Motorhome & Campervan Excess Hire Insurance

Excess Cover for motorhomes and campervan Hire UK ,Europe and Worldwide

Campervan and Motorhome Hire Excess Insurance 2022

There’s nothing more fun than hiring a motorhome or campervan for outdoor adventures and holiday excursions. But you don’t want to be left footing the bill from your own pocket if you get into an accident, even though you have liability insurance and Collision Damage Waiver (CDW) in the rental agreement. If this is a concern to you, getting Motorhome Hire Excess Insurance might help you sleep better at night.

Motorhome Hire Excess policies can reimburse you for any financial losses from being liable for damaging the motorhome or if it’s stolen. Let’s find out more about this insurance type and why you might need it next time you rent a campervan.

ProviderExcess Cover LimitPurchaseExcess on ExcessDrivers AgeFrom per Day
Questor£2,500Buy Online Now £350Between 23-84 £8.44
InsuremyvanhireNot AvailableFull Cover21-85 inclusive£10.99
ReducemyExcessNot AvailableFull Cover£12
icarhireinsuranceNot Available£100 - £200£13.99

What is Motorhome Hire Excess Insurance?

Motorhome Hire Excess Insurance is not required by law when you rent this type of vehicle, but it does come in handy. It’s an optional insurance policy that was designed to cover any excess costs you are liable for when you sign a motorhome rental agreement. Essentially, it’s an additional policy that covers costs for potential damages caused to you or the vehicle.

What Does Motorhome Hire Excess Insurance Cover?

You will be covered for the excess liability of any damages, with costs up to the agreed amount in the policy. These maximum costs vary in the policy details. This will cover losses and damages to tires, damage to the vehicle underbody, and windscreens. Cover for lost keys, misfuelling, and even towing charges if you break down in the middle of nowhere are also included in most policies. But the actual amount you are covered for depends on the type of policy you purchase.

Most Motorhome Insurance Policies in the UK only cover certain specifications. It covers motorhomes that weigh up to 7.5 tons, vehicles up to 20 years old, and comes with a maximum value cap of £100,000. But these details can also differ in varying policy types.

Who Does Motorhome Excess Insurance Cover?

If you automatically think you are eligible for this insurance type, you better check the small print. To get Motorhome Excess Cover, you need to be aged between 21 and 84 years old. If you’ve recently passed your test, and you are south of 21 and want to rent a Motorhome, good luck with that because it’s not possible. You also need to be a resident of most European and EEA countries or the UK.

Motorhome Hire Excess Insurance Common Exclusions

Now we’ve touched on some things this insurance type covers, what about its common exclusions? Here is a list of things that are not usually included in motorhome rental excess insurance policies.

  • The policy is not viable if the rental date has already commenced. 
  • The first £350 of your excess claim (although there are some £0 policies.)
  • Any interior damages you’ve caused.
  • Third-party death, property damage, or injury.
  • Any off-road or safari driving.
  • Any breach of rental contract details.

How Do Motorhome Excess Policies Work?

When you rent a motorhome, it comes with some standardized insurance policies that you legally require. This is known as Collision Damage Waiver insurance, or more commonly as its acronym, CDW. In most scenarios where a rented motorhome is stolen or damaged, you are expected to pay the excess amount in the contract, while the remaining costs are covered by the rental firm. And if you don’t have some kind of excess insurance policy, it could result in you paying hundreds, if not thousands of pounds to cover the issues.

For example, if your Motorhome Hire Excess Insurance policy has a maximum limit of £2,500, you are covered for any damages and the rental company can charge you up to that amount. You will have to pay the rental company and then be reimbursed by your insurance provider for that exact amount.

What Do I Need to Consider Before Buying My Insurance Policy?

There are several things that you need to think about before buying Motorhome Hire Excess Insurance. Here is a checklist that can help you to get the best insurance policy for renting a motorhome.

  • Always check the level of cover your policy offers and make sure it covers windows, tires, wing mirrors, the roof, and the undercarriage.
  • Ensure it has a rental key and misfuelling cover just in case you put in the wrong petrol type or if you lose the keys.
  • Always check the duration of the policy because some might have a minimum or maximum limit on the amounts of days you are covered for. Make sure your policy lasts long enough.
  • Check to see how many drivers your policy covers. Some will only cover you driving the vehicle, while others may allow for multiple drivers.
  • Check the driver’s age requirements to ensure you are old or young enough. Insurance firms sometimes place a maximum and minimum age limit in their policies.
  • If you pick up the rental in the UK and are planning to take the motorhome outside the UK, ensure your policy covers the countries you are visiting.
  • Always check the excess reduction limits of the minimum excess you will be expected to pay in the event of a claim.
  • There might be weight and age restrictions in your policy. Check to see if it has a maximum or minimum vehicle weight stipulation or a limit on the age of the vehicle. This is a feature that sometimes tricks insurance buyers, so beware.

Should I Buy Motorhome Hire Excess Insurance?

If you are 21 years old or over and want to rent a motorhome for a holiday or trip, we recommend that you buy Motorhome Hire Excess Insurance. Although your rental agreement will include CDW and some kind of road insurance, if you don’t have an excess policy, you could be stuck paying hundreds or even thousands of pounds if you damage the vehicle, or it gets stolen.

Holidays can turn into nightmares in a split second if you are not fully prepared for any unforeseen issues. It’s your responsibility to look after your best interests. And this alone is why you need excess insurance when you rent a motorhome.

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