Camping stands for freedom, nature and adventure. To ensure that your holiday on four wheels is not marred by unforeseen incidents, comprehensive insurance cover is essential. Well-coordinated insurance can prevent high costs in the event of damage, be it an accident, theft or health emergencies abroad.
Motor vehicle liability insurance as a basis
Motor vehicle liability insurance is required by law for every registered mobile home. It covers the costs if the vehicle causes damage to third parties. According to the North Rhine-Westphalia consumer advice center, attention should not only be paid to the legal minimum coverage, but it should also be checked whether the protection applies in full abroad, especially when traveling outside the EU.
Coverage through comprehensive insurance
Partial comprehensive insurance offers protection against external influences such as storms, hail, accidents with wild animals or theft. If you want to be protected against self-inflicted damage, vandalism or the consequences of accidents, you should take out fully comprehensive insurance. AutoBild recommends choosing the more comprehensive protection of fully comprehensive insurance, especially for newer or high-quality motorhomes.
Insure valuables in the camper separately
Electronic devices, sports equipment and camping equipment are often part of the inventory. However, they are usually not protected by home contents insurance. In this case, there are special contents insurance policies for motorhomes that cover theft in the event of theft or damage to the items carried. The North Rhine-Westphalia Consumer Center points out that this insurance is particularly useful for longer trips or high-quality devices.
Private liability insurance protects you in the event of unintentional damage
Accidental damage can occur during camping stays – for example through overturned bicycles, accidentally damaged rental items or other mishaps. Private liability insurance covers the costs in such cases. The Association of Insured Persons considers this insurance to be one of the most basic protections for everyday life, which should not be missing even on vacation.
Excess insurance for rental campers
Anyone who rents a motorhome for vacation usually has to pay a high deductible in the event of damage. A so-called deductible insurance (Collision Damage Waiver, CDW for short) can reduce or completely exclude this personal contribution. Portals like Transparent-Beraten.de recommend checking this insurance coverage when booking so as not to experience any unpleasant surprises when returning the vehicle.
Editorial team finanzen.net