This insurance is suitable for owners of motorhomes or caravans. If you have only rented your campervan, you need a policy for rental vehicles.
Have you ever taken your motorhome to a motorway service area and brushed against the car next to you in the car park leaving a nasty scratch? This is exactly the type of incident owners of caravans or motorhomes need liability insurance for. Liability insurance is compulsory for campervans just as for any other type of motor vehicle. Liability insurance gives you financial protection if you damage another vehicle or property with your caravan or motorhome or if a third party is injured.
Just as with your motor insurance, you can take out partially or fully comprehensive insurance for your campervan to cover you against damage to your own vehicle.
Partially comprehensive insurance will cover your caravan for such risks as theft, floods, accidents involving wild animals and storm or hail damage. In short, partially comprehensive insurance includes cover for all damage not caused either by yourself or by another road user.
Fully comprehensive insurance protects your motorhome even in the event of damage you cause yourself. For example, if you’re reversing into a parking space and you don’t notice a wall until its too late, you will only be covered if you have fully comprehensive insurance. Needless to say, comprehensive insurance also includes all the benefits of partially comprehensive insurance.