The Best Campervan Insurance

Campervan travel opens up a world of adventure, but it also exposes you to unique risks. Ensuring you have the right travel insurance coverage is crucial before you hit the road. This guide will help you navigate through the options to find the best campervan insurance suited for your travels.

Why You Need Specialised Campervan Insurance

Travelling in a campervan is about embracing the spirit of adventure and the comfort of having your personal space while exploring the great outdoors. But this unique way of travelling also exposes you to specific risks not typically associated with standard vehicles. Standard overseas car rental insurance falls short for campervans, lacking coverage for their unique needs, full value protection, and adequate risk management for extended use in exposed conditions.

Campervans, given their nature and the locales they frequent, are often targets for break-ins and can suffer from interior damages. This vulnerability is especially pronounced due to the isolated parking spots they are often left in and the valuable items they house. 

Insurance claims data shows a higher incidence of such issues in popular campervan locales, underlining the need for tailored insurance that covers more than just road accidents. Countries popular for campervan travels, such as Australia and New Zealand, also report higher incidences of vehicle break-ins and vandalism. 

According to data by Statista, New Zealand experienced the highest car theft rate worldwide with 1,172 occurrences per 100,000 inhabitants in 2020. Australia also featured prominently on this list, ranking 7th with 214 car thefts per 100,000 inhabitants. Given these figures, comprehensive specialised insurance becomes essential to protect against potential losses in these high-risk areas.

Table of Content

• Campervan Insurance Comparison
• The Best Campervan Insurance Plans
• Comparing Campervan Travel Insurance Coverage
• What Is The Difference Between Campervans And Motorhomes
• Types of Campervan Insurance Covered
• Understanding Insurance Tiers for Your Campervan
• Steps to Secure Cheaper Campervan Insurance
• How To Choose The Most Suitable Campervan Travel Insurance Plans?
• Common Exclusions and Limitations For Campervan Travel Insurance Plan
• Exclusions and Limitations
• Safety and Travel Tips
• Popular Campervan Destinations
• FAQs For Campervan Travel Insurance

Campervan Insurance Comparison

Choosing the right campervan insurance can be as critical as the vehicle itself, especially given the unique challenges and risks associated with campervan travel. Premiums for campervan insurance vary, with higher costs typically associated with plans that offer more extensive coverage, such as those covering high-value campervans or providing comprehensive protection against theft, accidents, and roadside emergencies. 

Below, you'll find a summary of different campervan insurance plans, highlighting which are best for specific types of coverage. This guide is designed to make it easier for you to select a suitable plan tailored to your needs, ensuring peace of mind as you embark on your road adventures.

The Best Campervan Insurance Plans

Selecting the right travel insurance plan for your campervan involves more than just comparing premiums. It requires a comprehensive evaluation of several critical factors to ensure that you get the most appropriate coverage for your needs. Below are key considerations to keep in mind:

1. Coverage Scope

The extent of coverage is perhaps the most crucial factor. Some plans might offer basic protection that covers only collision and theft, while others might provide extensive coverage including personal accident, roadside assistance, and protection against natural disasters. Consider the nature of your travels – will you be driving through areas prone to severe weather? Do you need coverage for international trips? Answering these questions will help you determine the scope of coverage that best suits your travel needs.

2. Customer Service Ratings

The quality of customer service can significantly affect your experience, especially when you need to file a claim. An insurer with high customer service ratings is likely to provide a smoother claim process, clearer communication, and more supportive interaction. Look for reviews and testimonials from other campervan owners to gauge how insurers handle claims and customer inquiries.

3. Premium Costs

While it’s important to find an insurance plan that fits within your budget, the cheapest option may not always be the best. Low premiums might come with high deductibles, limited coverage, or significant exclusions. Evaluate the cost-effectiveness of each plan by considering the premium in relation to the coverage provided. Are there any travel insurance discounts available for safe drivers, or for those who install security devices in their campervans?

4. Additional Benefits

Many insurers offer additional benefits that can enhance the value of your insurance plan. These might include free towing services, coverage for personal belongings inside the campervan, or even temporary accommodation costs if your campervan is unusable due to a covered event. Such benefits can provide considerable convenience and savings in the event of unexpected situations.

5. Exclusions and Limitations

Understanding what is not covered by your policy is as important as understanding what is covered. Common exclusions might include wear and tear, mechanical or electrical breakdowns, or damage caused while the vehicle is being used for commercial purposes. Ensure you read the fine print and ask questions about any aspects of the policy that are unclear to avoid surprises in the event of a claim.

6. Policy Flexibility

Flexibility can be a key feature for campervan owners who may change their travel plans or face unexpected circumstances. Some insurance policies offer the ability to adjust coverage or deductibles based on changing needs. Others may provide options for temporary extensions of coverage, which can be beneficial for extended trips.

Comparing Campervan Travel Insurance Coverage

Here’s another comparative look at different insurance offerings, focusing on coverage specifics such as liability, personal accident insurance, and coverage for personal belongings. Review our detailed table here.

What Is The Difference Between Campervans And Motorhomes?

Campervans and motorhomes both serve the purpose of providing mobile accommodation for travellers, but they differ significantly in size, facilities, and intended use.

Campervans are generally more compact and agile, built on the chassis of a van. This makes them easier to drive, especially on narrow roads or in urban areas. Campervans typically include basic living facilities such as a small kitchen, a sleeping area, and sometimes a fold-out awning. They are ideal for shorter trips or for individuals and couples looking for a more minimalist way to travel.

Motorhomes, built on bus or truck chassis, provide a comprehensive living experience with amenities like full kitchens, bathrooms, and distinct living areas. They often feature luxury additions such as air conditioning, heated floors, and slide-outs to expand living space. Ideal for extended travels or families requiring more comfort, motorhomes cater to those looking for a robust mobile home solution.

Types of Campervans Covered

Insurance for campervans is as varied as the types of vehicles available, ensuring that all kinds of campervan owners can find coverage that fits their specific needs. Here are some of the common types of campervans that insurance policies typically cover:

• RV Trailers: These are towable campervans that come in various sizes and styles. They are detached from the cab, allowing the towing vehicle to be used separately when the trailer is parked. This type can range from compact teardrop trailers to large fifth-wheels with multiple slide-outs.
• VW Campervans: Iconic for their classic design, Volkswagen campervans are popular among enthusiasts and weekend travellers. These vehicles often have a cult following and can include vintage models from the 1960s as well as modern interpretations like the VW California.
• Self-Converted Campervans: For those who prefer a DIY approach or customised features, self-converted campervans are uniquely outfitted vehicles that have been manually transformed from cargo or passenger vans into functional campervans. They can vary significantly in terms of layout and amenities based on the owner’s requirements.

When insuring different types of campervans, it’s important to consider the vehicle’s value, the cost of potential repairs, or replacements, and the specific risks associated with how and where you will be using your campervan. Some insurers might also offer specialised coverage for vintage models or custom builds, which could require additional details during the policy setup.

Understanding Insurance Tiers for Your Campervan

Choosing the right tier of insurance for your campervan involves understanding the different levels of coverage available. Basic insurance typically covers liability and collision, which is essential for minimal compliance with legal requirements. Mid-tier options may include additional protection against theft, fire, and natural disasters. 

For those who travel frequently or live in their campervans, a comprehensive policy that includes personal belongings, emergency accommodation, and road assistance would be most suitable. Evaluate your specific needs based on how often you use your campervan, where you travel, and what you carry onboard to select the appropriate coverage.

Steps to Secure Cheaper Campervan Insurance

• Install Security Systems: Enhance your campervan's security with alarms, immobilisers, or tracking devices. Insurers often offer discounts for vehicles that are better protected against theft and vandalism.
• Choose Higher Deductibles: Opt for a higher deductible, which is the amount you pay out of pocket before your insurance kicks in. A higher deductible typically lowers your premium, but make sure it's an amount you can comfortably afford if you need to make a claim.
• Maintain a Clean Driving Record: Keep your driving record clean by avoiding traffic violations and accidents. Insurers favour drivers with clean records by offering lower premiums, as they present a lower risk.
• Regularly Review Your Policy: Examine your insurance policy annually or after any significant changes to your situation or vehicle. Remove coverage that may no longer be necessary, like collision coverage on an older model that isn’t worth much.
• Compare Quotes: Shop around and compare insurance quotes from different providers to ensure you're getting the best deal. Consider using an insurance comparison website like SingSaver to streamline this process.

How To Choose The Most Suitable Campervan Travel Insurance Plans?

Choosing the right campervan travel insurance plan involves considering several crucial factors that can significantly impact the suitability and effectiveness of your coverage. Here’s how to tailor your insurance selection based on specific travel details:

1. Assess Your Destination

• City: If you're planning to travel mainly in urban areas, consider plans that offer extensive liability coverage due to the higher risk of accidents and thefts in densely populated settings.
• Mountain: Travelling in mountainous regions may require additional coverage for roadside assistance and recovery, as these areas can pose mechanical challenges and are often remote.
• Forest: Ensure your policy includes coverage for natural events, as forest areas might expose you to risks such as falling trees or wildlife encounters which could cause damage to your vehicle.

2. Consider the Duration of Your Trip

When choosing campervan insurance, the length of your trip can significantly influence the type of policy that best suits your needs:

• Short Trips: For shorter journeys, you might prioritise plans with lower deductibles and higher convenience features, such as easy claim processing or temporary coverage extensions if plans change unexpectedly.
• Long-Term Travel: For extended trips, look for long-term travel insurance policies offering comprehensive medical coverage, substantial personal belongings protection, and long-term customer support. It’s also wise to consider plans that provide international coverage if crossing borders.

3. Consider the Frequency of Travel

When comparing campervan insurance options, also consider annual travel insurance vs single trip plans. Annual insurance is typically more cost-effective for those who travel several times a year, covering all trips within a 12-month period under one policy. This is ideal for frequent travellers who need a consistent level of coverage without the hassle of purchasing a new policy for each trip.

Conversely, single trip insurance is tailored for one specific journey and can be customised extensively to fit the exact duration and needs of that trip. This option is usually more practical for travellers who take infrequent trips or require specific coverage that varies from one trip to another.

Evaluate your travel frequency and the nature of your trips to decide which – annual or single – offers the best premiums and meets your coverage needs effectively.

4. Evaluate Additional Policy Features

• Customisation Options: Some insurers offer customizable plans where you can select add-ons or exclude certain coverages to tailor the policy to your exact needs.
• Claims Process: Investigate the insurer's claims process to ensure it is straightforward and responsive. Accessibility to support when you're on the road is crucial.
• Customer Reviews: Read reviews from other campervan travellers to gauge their experiences with different insurers, focusing on customer service, ease of claims, and satisfaction with coverage.
• Check for Exclusions and Limitations: Review what the insurance does not cover and understand the limitations that might affect you, especially in relation to the activities you plan to engage in or the places you intend to visit.
• Compare Costs vs. Benefits: Weigh the cost of the insurance against the benefits provided. It’s essential to find a balance where you are not overpaying for unnecessary features but are adequately covered for the risks associated with your specific travel plans.

Common Exclusions and Limitations For Campervan Travel Insurance Plans

Understanding the common exclusions and limitations of campervan travel insurance plans is essential for ensuring you're not caught off guard when it's time to make a claim. Here are some typical exclusions to be aware of:

• Pre-existing Conditions: Many insurance policies do not cover claims that stem from pre-existing medical conditions unless specified otherwise. This exclusion also applies to pre-existing mechanical issues with the campervan that were present before the policy was purchased. Explore other insurance policies for coverage of pre-existing conditions.
• Mechanical Failures: Insurance typically covers sudden and unforeseen damage but not mechanical failures due to wear and tear or lack of maintenance. Regular servicing is crucial to avoid this type of situation.
• Driving Under the Influence: Any incidents resulting from driving while intoxicated by alcohol or drugs will almost certainly be excluded from coverage. This is not only a standard insurance exclusion but also a severe legal offence.
• Unauthorised Drivers: If someone who is not listed on the insurance policy was driving at the time of an accident, the insurance might not cover the damage. Always ensure that all potential drivers are authorised on the policy.

Safety Tips For Campervan Trips

To mitigate the risks associated with these exclusions and to ensure a safe journey, consider the following safety tips:

• Ensure Your Campervan is Well-Maintained: Regular maintenance checks are essential to keep your campervan in good working order. This can help prevent mechanical failures that are not covered by insurance.
• Know the Local Driving Laws and Conditions: Before you travel, familiarise yourself with the driving laws and conditions of your destinations. This includes speed limits, the legality of parking overnight in a campervan, and any specific local driving regulations.
• Secure Your Belongings and Campervan: Enhance the security of your campervan with alarms, immobilisers, and locks. Secure your personal belongings inside the vehicle, especially when parked in unfamiliar or isolated areas.

By being aware of these exclusions and adhering to safety practices, you can better navigate the complexities of campervan travel insurance and enjoy a safer, more secure trip.

Popular Campervan Destinations

Exploring new destinations in a campervan offers a unique way to experience the beauty and diversity of different landscapes. Here are some popular destinations for campervan travel, each providing its own unique set of sceneries and challenges:

Coastal Routes:

Coastal routes are perfect for those who enjoy the sea breeze and the sound of waves. Driving along coastlines like the Pacific Coast Highway in California, the Great Ocean Road in Australia, or the Amalfi Coast in Italy offers breathtaking ocean views and access to pristine beaches. However, coastal routes can sometimes be narrow and winding, requiring careful navigation. Additionally, salt air can cause corrosion, so it's essential to ensure your campervan is well-protected against the elements.

National Parks:

National parks are ideal for nature lovers looking to immerse themselves in the wilderness. Destinations like Yellowstone National Park in the USA, Banff National Park in Canada, or Kruger National Park in South Africa provide campervan travellers with opportunities to see wildlife, engage in outdoor activities such as hiking and fishing, and enjoy nights under star-filled skies. 

Mountainous Areas:

For those who crave elevation, mountainous areas offer dramatic landscapes and the thrill of conquering challenging terrains. Routes through the Alps in Europe, the Rocky Mountains in North America, or the Himalayas in Asia are popular among adventurous travellers. Travelling in mountainous areas requires a campervan that can handle steep inclines and potentially rough weather conditions, including snow and ice. It’s important to check road conditions in advance and be equipped with chains or tires suitable for the terrain.

Consider adding adventure travel insurance to your plan, which covers activities often excluded by standard policies, such as rock climbing or off-trail hiking, ensuring you're protected while exploring the great outdoors. Explore affordable getaways from Singapore now. 

Frequently Asked Questions For Campervan Travel Insurance

Can I drive a campervan on car insurance?

No, you cannot drive a campervan on standard car insurance. Campervans require specialised campervan insurance because they serve as both a vehicle and a living space, posing different risks and liabilities compared to ordinary cars. Campervan insurance typically covers additional aspects like contents, equipment, and sometimes roadside assistance specifically tailored to the needs of a mobile home.

Can I get temporary campervan insurance?

Yes, temporary or short-term campervan insurance is available for those who do not need year-round coverage. This can be ideal for renters or those who only use campervans seasonally. Temporary insurance can cover anywhere from a single day to several months, providing flexibility to suit various trip durations.

How do I estimate mileage for my trip?

To estimate the mileage for your campervan trip, use travel planning tools such as Google Maps or a GPS device. Input your planned route to see the total distance. It's advisable to add extra mileage for any potential detours or side trips you may decide to take. Estimating mileage accurately can help in planning for fuel costs and possible wear and tear on your campervan.

Will my insurance cover my motorhome if it’s written off?

Whether your insurance will cover your motorhome if it’s written off depends on the specific terms of your policy. Comprehensive insurance policies typically cover the cost of replacing your motorhome if it's deemed a total loss due to an accident, theft, or natural disaster. It's important to understand the valuation methods and the amount you're insured for, as this determines the payout you will receive.