Updated on 08/28/2022 at 06:00
- The number of registered motorhomes and motorhomes in Germany has increased continuously since 2020; no end in sight.
- The desire for free and independent vacations is inspired by mobile.
- Without proper insurance, motorhome holidays can end in failure.
Holidays with a mobile home: what’s the appeal?
In the course of the corona crisis, the number of campers has grown significantly, in 2020 more than 670,000 mobile homes were registered in Germany and the trend is increasing. The option of a contactless and free vacation with a set of wheels, which is also the vacation home, becomes tempting. Experienced campers enjoy time in their own four walls on wheels because they can use their own kingdom there. Unlike a hotel room or resort, minor interior damage doesn’t matter, and the self-catering mentality saves you from having to fight at the all-inclusive buffet.
If you want to enjoy your own vehicle, you have to reach into your pocket to get a model. Inflation of up to eight percent is expected by 2022 alone. The reason for this: inflation in all areas of procurement of raw materials. Even used models are experiencing an unexpected price increase as a result.
After the successful purchase, since renting is not a long-term option, mobile home owners now need to choose the right insurance. Because there are a few things to consider when it comes to the wheelset.
Motor vehicle civil liability: the basis of every driver
Since the camper, like a car, participates in traffic, it is subject to Section 4 of the Compulsory Insurance Law. It establishes that all vehicles involved in road traffic must have motor vehicle liability insurance. Covers damage in case of accidents to the opposing vehicle or to public facilities. The amount of coverage depends on the respective insurer and the selected rate.
AXA liability insurance, for example, can make this basic requirement possible. If necessary, interested parties can select additional protection for their own vehicle, which is not included in regular liability insurance. A wide range of damages is covered by the decision of partial or total insurance. In addition, the degree allows you to opt for additional extras, such as:
- animal harm: in case of damage caused by hunting or bites
- content protection: in case of theft or damage to the interior
- smart repair: partial coverage of the annual costs of repairing minor damage
- letter of protection: with direct breakdown service from the main door
- passenger insurance
As with all insurance policies, hiring a motorhome is usually a special case, so when applying online it may happen that the insurance company wants a personal interview.
All risk or partial all risk: how can I insure the mobile home correctly?
Recreational vehicles are a rare purchase. Many decide to finance the mobile home, which usually still has to be paid for. It’s even more important to eliminate potential cost traps with proper insurance.
As a supplement to liability, partial coverage is an essential part of protecting your own vehicle. Partial hull insurance coverage includes benefits for:
- Damages caused by gross negligence (such as inattentive driving)
- Damage caused by forces of nature to the window and the body.
- Windshield glass damage
- electrical defects
Insurers, like Gothaer, offer these extensive partially comprehensive insurance options. In order to reduce the monthly amount by the insured, he can decide for himself what deductible to apply in the event of a claim. As a general rule, the higher the deductible, the lower the insurance premium. With a new car, policyholders also benefit from the New Car Compensation, which applies if there has been a total loss. Damage to the battery in hybrid and electric vehicles is excluded within the partial all-risk insurance. These would have to be covered by comprehensive insurance.
The most expensive and at the same time the most complete insurance for a vehicle is the comprehensive insurance. It includes the services of an all-risk insurance that includes coverage for all damage caused to the vehicle by your own fault. Even in the event of a hit and run, comprehensive insurance steps in and can provide compensation.
Comprehensive insurance is the best solution for mobile homes. Most insurers offer the possibility of regulating the monthly contribution through the purchase price. This means that the sum insured is lower with a low purchase price, but so are the monthly contributions. Regarding the value of a mobile home, the best decision to avoid additional costs as much as possible.
CLARK is one of the portals that allow you to compare various insurance companies. By comparing the offers, the portal supports those who are undecided in choosing the right insurance for their vehicle. If you need more advice, you can rely on CLARK’s individual customer advisors to find the right motorhome insurance for you.
Are there insurance policies for motorhomes?
When searching for the right insurance, users may encounter the problem that they cannot complete their contract online. Mobile homes are a special form of conventional vehicles, like a car, so insurance companies have special requirements.
The HUK, for example, offers specific mobile home insurance. Clients first select the basis of the contract, either liability or in combination with comprehensive insurance. With the maximum equipment, the insured can expect the following advantages:
- Comprehensive Insurance Standard Benefits
- additional insurance: in case of damage to the awning or tires
- Letter of protection abroad: when traveling outside the EU
- inventory protection
- Special protection for electric vehicles: in case of damage to the loading tools
- Replacement value assumption
- Protection against damage in transit
Customers also benefit from a contribution option which, after 20 years without an accident, reduces the comprehensive insurance rate to 25 per cent. A big savings for prudent drivers.
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