Motorhome insurance 24/25
We compared 18 November 2024 the biggest motorhome insurance providers. You can read the result in this blog. It all starts with the question below:
What do you think is an important cover/condition in a motorhome insurance policy?
This is very personal! Some choose to stay outside the Netherlands for longer periods (more than 180 days), while others find roadside assistance or e.g. costs very important. We approached the comparison as follows:
We choose All Risk insurance and enter the owner's details.
Owner details
- maximum no-claims (discount)
- Security Bearlock
- 1st owner
- Purchase value, incl. accessories
We then check the outcomes of basic insurance conditions on:
- Unlimited mileage
- Max. number of days travelling outside the Netherlands
- Max. number of days stored outside the Netherlands
- Cover for postal address (no residential address in NL)
- Permanent living in the motorhome
Then we focus on the additional coverages:
- Inventory
- Occupants
- Roadside assistance NL/EU
- New for New coverage
- Discount (members)
Good to know
It is wise to read through an insurer's motorhome conditions and general terms and conditions. Then read these two sections in particular:
- What is not insured?
- When may we cancel you insurance?
Do you have plans to spend 180 days outside the Netherlands? Do you want to live permanently in the motorhome? Do you only have a letter address? All these options are reflected in those sections. For each insurer, we share some notable other sections.
ANWB
- You can choose -new for new- cover of 3 years, 5 years or no cover. The price shown is without -new for new- cover
- Motorhome insurance does not include roadside assistance. You take out this separately
- The cost of the breakdown assistance shown is Wegenwacht standard EU, there is also a Wegenwacht complete EU
- Please note! The breakdown cover only provides coverage up to 120 days of stay and storage outside NL
Aveco
- You can choose a -new for new- cover of 4 years, 6 years or 8 years. The price shown is 4 years -new for new- cover
- Different arrangements can be made at Aveco (at extra cost)
- When living in the motorhome, the breakdown cover is cancelled
Motorhome Insured
- Standard including -new for new- coverage
- This motorhome insurance gives unlimited days abroad, but.....this is without breakdown assistance
- Motorhome insurance does not include roadside assistance. You can take out roadside assistance, but.....you must then also take out compulsory travel insurance
- Travel insurance only provides cover up to 180 days and therefore so does motorhome insurance if you take out it including breakdown cover
- Note! The breakdown cover only provides coverage up to 180 days of stay and storage outside NL
Centraal Beheer
- Standard including -new for new- cover (up to 3 years)
- Legal Assistance Traffic is not part of motorhome insurance, it must be purchased separately
Rabo/Interpolis
- Standard including -new for new- cover for max purchase value of ?75,000
NKC
- Standard including -new for new- coverage
- Legal Assistance Traffic is not part of motorhome insurance, it must be purchased separately
Safetrip/Spitz
- Standard including -new for new- coverage
- Insured up to the maximum technical weight of the motorhome
- Request a quote by e-mail only
Univé
- Standard including -new for new- cover for max purchase value of ?85,000
- No restrictions on max number of days outside the Netherlands, this was also confirmed by phone. Always have confirmation in writing!
In conclusion
With this blog, we wanted to give a good insight into the differences in terms and costs of the insurers mentioned. However, every situation is different, mainly do your own research.
No rights can be derived from these calculations. We are not paid to provide this information. We are always curious about the best combination of price/offer.