As European car insurance is not valid in North America, American liability insurance must be taken out in any case. There are only a very few road insurances specially for motorhomes / campervans from Europe driving overseas.
With the booking confirmation of the shipment you will receive from us both contacts & application forms for an American liability insurance as well as for a worldwide comprehensive insurance. Exact prices can usually be requested from the insurance companies from 3 months before the start of the insurance.
For the duration of your trip, your home insurance will normally pause your payments. The costs of an oversea insurance are higher – but keep in mind: You pay for the insurance as if you were a completly new driver with no claims-free years. In addition, as a tourist who drives many thousands of kilometers within a few months, so you are in a higher risk group.
Americans/Candaians who want to insure their motorhome in Europe pay also more than Europeans. If you are a traveler from Overseas coming to Europe we also have insurance contacts which cover forneign vehciles in Europe.
Flexible monthly peridos are possible, e.g. 1 , 3 , 6 , 10 months. Insurance periods longer than 1 year are also available!
The insurance can start on any date (usually the date of collection from the port).
So e.g. start of insurance April 18, term 180 days, end of insurance October 15
The policy can also be extended during your journey – so if you plans change it can be extended.
No automatic policy renewal – the insurance ends without express notice.
The insurance is specially designed for motorhomes, campervans, expedition vehicles, four-wheel drive campers, caravans, etc.
If the vehicle is more of a passenger car and does not have a built-in cooking and sleeping area, it must be checked in each individual case on the basis of photos whether it can be insured as a camper.
There are currently no age restrictions – neither on the year of construction of the vehicle nor on the age of the driver.
Motorcycles and cars can also be insured in conjunction with a motorhome / caravan.
Third-party liability : The premium for third-party liability insurance depends on whether the vehicle is classified as a campervan or motorhome, which is why the insurance company requires photos of the vehicle when you apply.
Comprehensive insurance : The premium amount depends largely on the current value of the vehicle – the exact premium amount must be requested separately from the insurance company for each vehicle.
There is a kind of minimum premium, so longer insurance periods per month are cheaper than shorter insurance periods.
Liability insurance
Validity: insures European vehicles in the USA, Canada & Mexico.
Possible terms are 3, 6, 9 or 12 months – flexible monthly on request – can also be extended over 1 year.
Both normal motorhomes and small campers and expedition vehicles are insured. The premium amount differs depending on whether the vehicle is classified as a “motorhome” or “campervan”.
This is a liability only insurance with a relatively low level of cover (total usual in North America): from $60,000 or $500,000 for an additional charge. Higher levels of cover are not possible in North America.
Price example: 6 months liability for USA & Canada
Cover $100,000 Campervan approx. $1,030 Cover $500,000 Campervan approx. $1,540
Cover $60,000 Motorhome approx. $1,070 Cover $500,000 Motorhome approx. $2,060
Price example: 6 months liability for Mexico
$100,000 Camper / Motorhome $220 $500,000 Camper / Motorhome $300
Worldwide fully comprehensive insurance
Validity: worldwide comprehensive insurance also for USA, Canada & Mexico.
So if you are planning a Pan-American trip, for example, you would also be covered in Central & South America.
This is purely comprehensive insurance. You must therefore take out separate local liability insurance. (see above)
The comprehensive insurance insures e.g. against: Accidental damage, windshield/windows, vehicle theft, vandalism, fire, hail, flooding, stone chipping. In the event of damage, repair costs or total loss up to the value of the vehicle are reimbursed.
Possible periods are freely selectable – can also be extended beyond 1 year.
Both normal motorhomes and small campers and expedition vehicles are insured. The premium amount is determined by the term and the current value of the vehicle.
Price example: comprehensice insurance worldwide incl. USA & Canada
For low current values there is a kind of minimum premium
6 months €20,000 approx. €800 12 months €20,000 approx. €830
6 months €50,000 approx. €970 12 months €50,000 approx. €1,650
6 months €100,000 approx. €1,650 12 months €100,000 approx. €3,000
Motorcycles, scooters or quads can also be additionally insured.
Up to max. €7,500 : 6 months motorcycle approx. €250 12 months motorcycle approx. €500
