Learn More About The RV Insurance Before The Departure!
RV and campervan insurance is not fundamentally different from the characteristic policies for standard-sized vehicles, but there are still some aspects that travelers should understand. These vehicles provide an extremely high level of versatility and allow travelers to pack more than the essential items or to avoid the costly hotel stays. However, keep in mind that there are still potential risks and the proper RV insurance policy constitutes the perfect way to guarantee that your trip will not be cut short and that you will not have to pay for the repairs yourself. This guide will help readers understand what the RV insurance policies entail and exactly how they are different from the standard automobiles.
Now, there are two possible ways to acquire and RV for your trip across the country: purchasing the RV from a dealership (new or used) and renting it. Let’s first focus on the insurance policies for people who choose to buy their RVs or campervans, starting with the comprehensive coverage. It is necessary to point out that the comprehensive coverage is just one of the alternatives of the RV insurance policies and it entails that the damage caused to the vehicle when it is not utilized is also paid by the insurer (E.G. vandalism, weather hazards, theft, fire-caused damage, etc.). Considering that the RV will almost always be taken to secluded areas or unfamiliar settings, the comprehensive coverage should always be included.
There is, of course the possibility to opt for the standard coverage, which is largely similar to a conventional van or minivan. Even though you have another van in your garage, you will still need to acquire an extra policy for the RV or campervan. Keep in mind that the manufacturer or dealership will not include the cost of the policy in the total price, but exclusively the warranty they provide (either the dealer or the manufacturer). The downside of the standard coverage comes from the fact that, although including some clauses from the comprehensive version, it does not account for damage that is proprietary to RVs (E.G. the satellite dish, various incorporated appliances, awning, etc.).
With regards to the options available to people who rent an RV for their trip, there are also two possibilities. Ideally, the renter will provide the insurance policy and its cost will be included in the rental fee, which is convenient if you do not really enjoy shopping around for insurance. Alternatively, the renter could allow you to select your insurance provider (or take the chances of driving the RV uninsured, which is inadvisable considering the costs of these vehicles). In either of these cases, you will need to read the contract thoroughly and make sure potential risks are covered.
The price of the campervan insurance could also vary in accordance to the driver, the estimated mileage of the trip, the destination and route, the model and size, the coverage, etc. Nevertheless, the most important aspect to check is whether the policy guarantees you total security from the potential risks of the journey, so saving cash by eliminating the essential clauses is not recommendable.
Getting insurance for your RV rental or your campervan hire is of utmost importance so do not neglect this seemingly small issue!
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