Motorhome Insurance Guarantees

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Motorhome Insurance Guarantees

Motorhome Insurance

In this section, we explain some of the most important guarantees that you can take out in a motorhome insurance policy.

Do all insurers offer the same?

Not all insurers offer the same coverage or the same limits. For this reason, it is essential that you consult your insurer or broker before taking out a policy. If you already have an active policy, check the Particular Conditions and the General Conditions to find out exactly what you are covered for.

Attention to exclusions

It is advisable to read the exclusions of each guarantee carefully to avoid surprises in the event of a claim.

Compulsory Insurance (R.C.S.O.):

Compulsory insurance by law covers the Civil Liability with the following limits:

Personal injury: up to €70,000,000 per claim.
Material damage: up to €15,000,000 per claim.

This cover is the same for all insurers and is updated according to the European price index.

It does not cover damage to the responsible driver or to the property of the policyholder, insured or close relatives transported in the vehicle.

Voluntary Insurance (R.C.S.V.):

The sum insured under this cover is specified in the policy. It generally covers up to 50.000.000 € Some insurers include the following additional coverage in addition to the compulsory coverage Trailer Liability under 750 kg automatically; others do so as an option, which must be reflected in the Special Conditions.

Always check the General Conditions of your insurance policy to find out the actual scope of this cover.

Legal Defence (Defence and claims for damages):

This guarantee covers the insured's legal expenses in proceedings arising from an accident, including:

Legal assistance in judicial, administrative or extrajudicial proceedings.
Bonds, legal costs, and claims against third parties.

The insurer can appoint the professionals or allow the insured to choose freely, within economic limits.

Defence against traffic offences, preparation of appeals and legal advice can also be included.

Driver and/or Occupant Accidents:

The driver is not covered by the compulsory insurance in the event of death or injury. This additional guarantee covers:

Death capital.
Capital for total or partial disability.
Medical-pharmaceutical expenses.

Currently, only the driver is excluded by default, although some insurers allow all seats to be covered as an option.

Travel assistance:

This cover provides assistance in the event of breakdown, accident or theft, both for the vehicle and its occupants, even if they are not travelling in the vehicle (depending on the policy).

Key issues to review:

Territorial scope: Generally covers Spain, Europe and neighbouring countries for the vehicle. For individuals, it usually covers the whole world.
Who is insured? Policyholder, spouse and children living at the same address.

Vehicle performance:

Assistance in the event of breakdown, accident, puncture or theft.
Towing to the workshop and repair on site.
Shipment of parts, chauffeur or repatriation of the vehicle.

Occupant benefits:

Hotel or transfer costs if the vehicle cannot be repaired.
Medical repatriation and assistance abroad.
Sending forgotten objects or urgent messages.
Assistance in the event of lost luggage.

It is essential to always contact the insurer before taking on expenses on your own, as they are not normally reimbursed if they have not been previously authorised.