Camper van insurance is more than just coverage for your motorcaravan; it is peace of mind while you travel. What happens if you have damage to the automobile you're towing behind? Or if you have a fire and lose possessions? A catastrophic accident involving your camper van can be much more than an inconvenience.
For this reason, you need to be sure you get just the right camper van insurance. The way you use your motorcaravan is a critical consideration when purchasing the proper insurance, as is the people who are authorized to drive the vehicle. You also must consider which additional insurance is wise for you and your driving and living style – low hanging branch insurance? Or vehicle in tow insurance? These are very personal decisions.
Purchase the standard insurance policy covering all the legal necessities, and get an add-on policy that covers your auto while it's in tow as well as the possessions you carry with you in the motorcaravan. Because many people who drive camper vans spend a lot of time in motorcaravan lots, it's a good idea to make sure your liability is set high enough to cover any other camper vans you may damage in backing-up mishaps or other incidents.
Besides your regular camper van insurance, you need to check into add-ons for your policy. For instance, a roadside emergency can be really serious on a long trip, so the minimal expense of add-on roadside assistance coverage can save you money and stress in the long run. Some policies offer you the option of emergency expense coverage, paying for a stay in a hotel and emergency transportation if your motorcaravan must go to the shop. Read through all these policy add-ons and select the ones that you think will give you the most peace of mind.
For those who live in their camper vans full time, consider purchasing full-timer camper van insurance. This gives you not only insurance while you're driving, but also covers your time in the motorcaravan as if it were your home.
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