The Ultimate Guide to Motorhome Hire Insurance in 2023

PUBLISHED ON Jan, 20 2023


More and more people choose to remain independent during trips. And traveling in your own mobile home is a great chance to get to those places where there are no excursion routes and where public transport does not run. The coolest thing about hiring a motorhome is the feeling of freedom and no schedules for transport and hotels. You can entirely forget about time.

According to recent research, the motorhome market is anticipated to keep growing during the upcoming five years and reach an enormous amount of USD 12 billion by 2026. It becomes evident that gradually, more and more people enjoy the freedom and independence a campervan offers during our vacation.

By renting a motorhome for your vacation, you don’t need to worry about schedules or hotel bookings. The route can be rebuilt along the way, and you can spontaneously visit new places, following your mood and weather. There is simply nowhere to be late as the house is always with you. However, you shouldn’t forget that safety is always a priority when traveling. For this reason, we have created a detailed guide concerning Motorhome hire insurance for 2021.

This article will explore how Motorhome Excess Insurance is the smartest solution for campervan vacation. We will also explain everything you need to know to ensure that your upcoming vacation will be fun, cost-saving, and safe.

What Is Motorhome Insurance?

If you are renting a motorhome or campervan, you are legally required to have motorhome hire insurance. It is a type of motor insurance.  This policy will cover you, your transportation means, your passengers, and third parties against damage, accidents, injuries, and theft.  Roughly, you can choose one of the following motorhome insurance types:

  • Full coverage. With this option, you are fully covered against accidental damage, fire, theft. This motorhome insurance also covers third-party expenses.
  • Third-party only. This variant will only cover the damages you cause to the third party, and it is the minimum level you need to obtain for driving a motorhome.
  • Third-party and theft. As the name stands, it compensates damages caused by you to the third party and protects you from theft.

There are dozens of insurance variants to choose from, and you can always add the necessary details.

motorhome excess insurance

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What is Motorhome Hire Excess Insurance?

As with car excess insurance, motorhome excess insurance is a specially-created type of motorhome rental insurance that will help you save costs when renting a motorhome and have a stress-free journey. Unfortunately, most rental firms have extremely-high, sometimes hidden fees when it comes to extended insurances.

On the other hand, motorhome excess insurance is a policy that will cover you and your passengers from almost any unpleasant experience. Protection against damage, accidents, injuries, and theft are only a few of the motorhome excess insurance’s advantages.

There are numerous insurance variants to choose from, and research is always necessary to find the correct insurance provider.

Am I required to have Motorhome Rental Insurance?

No matter if you are a temporary owner (rent) or a permanent owner of a campervan or motorhome, you must have motorhome or campervan rental insurance.

As with cars, in most countries worldwide, you are obligated to have at least the basic insurance with liability coverage when renting a motorhome.

motorhome hire excess insurance

What Does Motorhome Hire Excess Insurance Cover?

Renting a motorhome is more complicated than renting a car. Don’t forget that the standard car insurance doesn’t consider that your campervan or motorhome is also your accommodation. For this reason, many people trust the much more protective policy of the Excess Insurance. The most critical coverages of motorhome hire excess insurance are:

Collision Damage Coverage

When you rent a motorhome, you are responsible for it. For this reason, Collision Damage Waiver is one of the most critical coverages. In case of an accident with another vehicle or object, this coverage will help you repair costs and replace your rental motorhome (when needed). It will provide the rental company with the costs for repairing or even replacing your transportation means. Please note that even you are covered by a collision damage waiver policy, you are still liable to pay a certain amount known as ‘excess’ or ‘deductible’, meaning that you could have to pay towards repair or theft costs, regardless of who is at fault. With our motorhome excess insurance, you can reduce your liability to zero.

Personal Property & Belongings Coverage

As mentioned above, the motorhome you rent is also your (temporary) house. Accordingly, insurance for motorhomes protects your motorhome possessions, such as many of the belongings you have. This is excellent coverage, especially for those of you who travel for long periods.

Personal Attachments Coverage

In many cases your policy will not cover equipment that you attach or install. With our Motorhome Hire Excess Insurance, you can also remove this type of excess limit and release your stress in case of unfortunate situations.

Full Replacement Cost Coverage

This policy is recommended to those who live in mobile homes constantly. It covers the depreciation of the motorhome. Assuming that you are hiring a motorhome or a campervan, you don’t need this policy, but you need to make sure that the ‘total loss’ is covered under the collision damage waiver policy.

Loss or damage to the glass elements, roof, tires, and underbody

This is one of the most common problems people have to deal with when renting a motorhome or campervan. However, if you choose to buy campervan excess insurance for your rented campervan (or rental motorhome), your vehicle’s tires, wheels, roof, undercarriage, and windscreens will be covered.

Comprehensive Coverage

Apart from collisions, there are other situations (like natural disasters, vandalism, etc.) where your motorhome might be damaged. Likewise, with this type of policy, you ensure you are also covered from those events.

Towing and Roadside Assistance

This type of insurance also covers towing and roadside assistance. Likewise, motorhome excess insurance will provide you with specialized service providers during your vacation. Our campervan and motorhome hire excess insurance will reimburse your towing and roadside assistance.


Putting the wrong type of fuel in your motorhome is surprisingly common. For this reason, this type of policy covers you against it.

Loss of Keys

Since keys are small items, there is a chance for you to lose them. Fortunately, loss of keys coverage is included when purchasing a motorhome hire excess insurance.

Damage and Theft excess

Standard car insurance will not cover all the damage in this type of situation and you will be required to pay the excess. Likewise, with this type of excess insurance, you won’t have to worry about damage and theft of excess amounts.

Reversing and parking accidents

Reversing and parking accidents are the most common motorhome accidents due to the size of this type of vehicle, but standard insurances do not cover them. However, motorhome hire excess insurance will cover those types single vehicle damages.

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How Much RV Insurance Do I Need?

Choosing how many of those coverages you might need is always up to you. However, when creating a motorhome hire excess insurance, it is essential to research all your options. Protecting yourself from unforeseen situations is a brilliant thing to do. Don’t forget that you should always feel comfortable and safe when traveling with your motorhome.

How much does Motorhome Insurance cost?

The cost of motorhome hire excess insurance is not fixed, as different factors will influence it:

  1. Your driving history: speeding tickets, traffic violations, etc.
  2. Storage location: if you need to store your motorhome outside, that increases the risk and, thus, the insurance value.
  3. Your motorhome’s class: 14 different RV classes will affect the insurance cost.
  4. Type of usage: For example, if you always live in your motorhome and travel frequently, the insurance value will be higher.
  5. Additional Coverage: You can always add other coverages, but have in mind that they come at additional costs.

What Is the Cost of Motorhome Excess Insurance?

Our Campervan and motorhome excess insurance policy start at $44.75/day. The longer the rental period, the lower the daily price will be. For example, motorhome hire excess insurance for 15 days will cost $212.50, which is only $14.16 per day!

We encourage you to use the free “Get a Quote” service on our website to see the cost of your future excess insurance for campervan hire (and for motorhomes as well).


You can only purchase the motorhome hire excess insurance if:

How to Make a Claim?

Making a claim is a pretty straightforward process. However, you should submit specific documents to ensure your request is not delayed. It would help if you also read the company’s policy before making a claim. Thus, you should make sure your insurance certificate covers your situation and make sure you have all the needed forms and documents.

Final Thoughts – Who Needs a Motorhome Insurance?

Some people mistakenly believe they can use their regular car insurance to drive a motorhome. But motorhomes are used a bit differently than a car and must be specially insured due to it. These are actually mobile homes, and the motorhome hire insurance policy has additional coverage compared to what is normally used for a car.

When choosing a motorhome or campervan hire insurance, it is vital to carefully review all available options on the market. Besides standardized policies, you can always ensure everything you find important to protect yourself from unforeseen situations. This approach will make your traveling by a home on wheels both comfortable and safe.

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Frequently Asked Questions (FAQ)

Can I cancel my policy before my trip?

You can cancel your policy within 14 days of receiving your PDS and Certificate of Insurance. The premium you have paid will be refunded to you in full, as long as you have not started your trip and do not want to file a claim of any sort related to the policy. Once this 14-day period has passed, you can still cancel your policy but you will not receive any refund.

Does CarInsuRent cover Sand and Ash Protection and Gravel Protection?

Our Iceland policy include Sand and Ash Protection (SAAP) and Gravel Protection (GP).

What is Sand and Ash Protection (SAAP)?

Sand and Ash Protection (SAAP) is a type of insurance coverage that is designed to protect rental cars from the potential damage caused by volcanic ash and sand in Iceland. Certain areas of Iceland still have loose ash and fine sand from the Eyjafjallajökull eruption, which can blow around and damage vehicles. SAAP is a specific waiver that was created to cover this type of damage, as Icelandic insurance companies do not include it in their Collision Damage Waiver. This coverage is optional, but highly recommended if you plan to drive in Iceland. Camping Iceland, a local car rental company, claims that SAAP will serve you well and recommends it for all rentals.

When is it Common for the Wind to Toss Sand Onto the Roads?

Sand can be hurled onto roads in Iceland during the Sand & Ash period, which typically occurs in February, March, and April. During this time, the snow has only just thawed out and the grass hasn't grown sufficiently to keep the sand in its place. This can lead to damage to vehicles driving on the roads. It's important to note that sand and dust storms, which can also cause visibility issues for drivers, typically occur when strong winds lift large amounts of sand and dust from bare, dry soils into the atmosphere.

What does CarInsurent Sand and Ash Protection in Iceland cover?

Due to the recent volcanic eruptions in Iceland the risk of damage to the paint and windows of the cars has increased. Our Sand and Ash Protection (SAAP) insurance can cover damage to the paint, windows, lights, plastics, chromes, and wheels of the rental car caused by sand, gravel, ash, pumice, or other earth materials being blown onto the vehicle. The deductible for SAAP insurance is typically 50,000 IKR for all rental cars in the fleet. No other insurance covers these damages and insurance companies refuse to cover them. Even though all safety rules are followed damage can happen when, for example, wind starts blowing more than was forecasted thus moving the sand/ash and damaging the car.   [carInsurent_sc_get_quote_cta cta_text="See How Much You Can Save on Your Car Rental Insurence" cta_btn_text="Get Started"]  

Does the Insurance Cover Lost Keys and Remote Locking Devices?

Yes. CarInsuRent insurance covers lost keys and remote locking devices. Losing the keys to a rental car can be a stressful and frustrating experience. Many people wonder if their rental car insurance will provide coverage for lost keys. Rental car insurance policies may vary in their coverage for lost keys. Lost keys are not typically covered by car insurance for loss or theft, as keys are considered personal property.

Steps to Take If You Lose Rental Car Keys

Losing rental car keys can be a frustrating and stressful experience, but there are steps you can take to get back on the road quickly. Here are some tips based on the provided web search results:
  1. Contact roadside assistance: Most rental cars come with a roadside assistance phone number that you can call in the event of a lockout or lost keys. You should be able to call and have someone sent out to help with your situation. Note that our car hire excess waiver insurance may reimburse you for roadside assistance.
  2. Check for a spare key: Some rental cars come with a spare key that is located in a magnetic box under the car or in the trunk. If you have rented a car that has a spare key, this could be an option to get back on the road quickly.
  3. Contact the rental car company: Contact the rental car company as soon as possible to let them know what has happened. They may be able to provide you with a replacement key or arrange for a locksmith to come and assist you.
  4. Check your insurance policy: If you take out our car hire excess insurance you may have coverage for lost or stolen rental car keys.
  5. Take preventative measures: One of the best ways to avoid losing rental car keys is to make them harder to lose. Attach a big, noticeable lanyard or keychain to the keys, something that will make a noise when moved, to help you locate them quickly. Additionally, always double-check that you have the keys with you before leaving the car.
  We encourage you to read our full guide to learn everything you need to know about travel car hire excess insurance.   [carInsurent_sc_get_quote_cta cta_text="See How Much You Can Save on Your Car Rental Insurence" cta_btn_text="Get Started"]   Please see the Policy Wording for the complete terms and conditions.

Find the answers you’re looking for to the most frequently asked car hire insurance questions as well as other questions relating to our products and services.

Visit the FAQ page