What Is Motorhome Excess Insurance?
When you hire a motorhome, the vehicle is insured, but there is typically an excess amount that you would be responsible for if damage occurs during your hire. Excess insurance is a separate policy that helps cover this cost if you need to make a claim.
Rather than paying the excess yourself, the excess insurance policy can reimburse you, providing extra peace of mind while you travel.
Why We Don’t Offer It Directly
Some hire companies offer excess insurance as an add-on, but we choose not to sell this as an additional product.
The main reason is that the market for excess insurance is very competitive, and customers can often find excellent policies much more cheaply through a simple online search. This allows you to compare options and select the policy that best suits your trip and budget.
The Most Common Damage: Wing Mirrors
One of the biggest causes of damage on motorhomes is wing mirrors. Motorhomes are larger than most everyday vehicles, and when travelling on narrower roads, passing traffic or manoeuvring in tight spaces, mirrors are unfortunately more vulnerable to being knocked.
What many people don’t realise is that mirror damage is often not covered by the motorhome’s insurance policy, even if the incident was not your fault. Because of this, the cost of replacing a mirror can fall under the insurance excess.
This is exactly the kind of situation where excess insurance can really pay off, as it can reimburse you for these types of costs
