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Choosing the best among all motorhome insurance is not an impossible mission ... but almost ...
Many people ask us how to choose the right motorhome insurance when faced with all the available options. Just like we used to do, thousands of motorhome owners spend hours comparing the different contracts offered online by insurance companies…
And above all… to make sure we didn't miss a single opportunity, we searched Google in every way possible: motorhome insurance, motorhome insurance, campervan insurance, campervan insurance, campervan insurance, campervan insurance, campervan insurance, campervan insurance price, best campervan insurance, campervan insurance… until we found the best and cheapest one…
And what do you say to me when we read a lot of looping opinions ... and yet in the end we end up more lost? What a maremagnum ...
Look no further, I will try to help you with our recent experience to select our insurance this year!
At least, if you're looking for comprehensive insurance with a €300 excess, because that's what we're looking for. For us, it's the best in terms of what a motorhome needs and the risk we take.
So in our case, and after requesting dozens of online budget, we have found the 'jewel in the crown' or so we think we go hehehe at least for us it has been.
Finally, we signed the contract with Ucoga , better price and greater coverage after analyzing them one by one, as you will see.
We tell you why we made the choice and with numbers
Oh… and if you keep reading until the end, there's a gift for you if you're going to request quotes! Scroll down to the bottom and there it is :)
But before we start… what insurances are mandatory in a motorhome?
As you probably already know, the law requires basic or third-party insurance for any motorhome or campervan. Therefore, this minimum or mandatory coverage is necessary when traveling in a motorhome or even just driving around town.
And what does a motorhome insurance or camper van insurance cover?
The guarantees and coverage of motorhome and campervan insurance depend on the type of policy you choose . That's the most important thing.
For this reason, we tell you that these are some of the different coverages: mandatory civil liability, voluntary civil liability, roadside assistance, windows, fire, theft, own damages, own damages with excess, legal defense ... That is, this is the list minimum that you should have in your head, but as you will see below, there is more that you must take into account.
Regarding coverage and what you should ask yourself when taking out motorhome insurance, we have an article we wrote some time ago that's also been updated. It's quite comprehensive and might be helpful. Here it is: Motorhome Insurance Post : What to Consider When Choosing the Best Policy.
Result of our comparison of insurance for motorhomes and camper vans for 2023
Below, we present the comparison we at Kucavana have made for our comprehensive insurance policy with a €300 deductible. As you will see, we have analyzed the four best-known brokers specializing in motorhome and campervan insurance.
We present you the list of these insurance brokers, in alphabetical order:
- Carvan
- MV Insurance
- ucoga
- Zalba Caldu
We have studied, one by one, the most interesting coverages in motorhome insurance or in camper van insurance.
Well, we go one by one to compare coverage that they give in their budgets:
Mandatory Civil Liability
They all have it, and thank goodness because it is mandatory lol
Voluntary Civil Liability € 50.000.000
You will also find it in all.
Includes all fixed extras up to € 10.000 euros for free
It is available only in MV Seguros and Ucoga, in the rest you must declare it before hiring it and you have to pay the extra.
Civil liability derived from fire (covers third parties)
It is only offered by Ucoga with an amount of 600.000 euros.
Defense and Claim
You should know that they all have it, but Carvan puts the limit at € 600
Defense in fines
It is part of the offer of Carvan, Mv Seguros and Ucoga, the rest are not.
Cargo Liability
It is only offered by Ucoga. And the most important thing is that the amount is € 100.000.
Driver Insurance
In Carvan they offer € 30.000 per death while Ucoga double it to € 60.000. In Zalba Caldú we have not found the amount of this coverage or in MV, they do not say anything in their budgets.
Windscreens
There are good guarantees in all of them, but the most complete is offered by Ucoga by including all types of glass, methacrylate or other plastic windows. In addition, the sunroof also considers it as the moon. Skylights as accessories are covered.
Travel assistance
We see that Carvan includes, from km. 0, repatriation of the vehicle and occupants without further ado.
For its part, MV Seguros offers you travel assistance, towing of your choice of vehicle from km 0 of the home without further ado.
In the case of Ucoga, it has better benefits apart from repatriation than also. If after 4 days, the vehicle is still paralyzed, it will be towed to the workshop designated by the insured and also the accommodation and breakfast expenses in hotel up to a maximum of 4 nights without cost limit and in 4 or 5-star hotels it is included while it is repair. This I assure you is very very important so that the holidays do not stop.
The offer of Zalba Caldú is from km. 0 for accident and international breakdown, includes repatriation of the vehicle and occupants. In addition, medical assistance maximum 3.600 euros and only abroad, not Spain and hotel only € 300 in total, with a maximum of € 150 per day (with a maximum of two days).
Subsidy Deprivation Permit
We have seen that it is included in Carvan, MV Seguros, Ucoga and Zalba Caldú, that is, they all have it. What the detailed subsidy does not tell you, only Ucoga spells out in his budget.
Theft
This coverage in Carvan and Zalda Caldú is total and partial (market value).
With regard to Ucoga, it is total and partial. And it also has the extra luggage and personal effects with a maximum of € 500, little but something is something.
In the case of MV Seguros, it is total and partial and also includes luggage and personal effects with a maximum of € 500, also little but something is something.
Fire Protection
Those of Carvan and Zalba Caldú offer you total and partial for the market value.
In the Ucoga brokerage it is total and partial and also includes personal effects with a maximum of € 500.
MV Seguros' offer includes baggage and personal effects up to a maximum of €500.
Civil Liability at the Camping
Only MV Seguros offers this coverage. Here are the details: up to € 60.000 per claim and year, including damages that may be caused to third parties by events for which the policyholder or spouse acting as head of the family as user of camping sites and areas may be civilly liable. rest for the duration of the stay in the establishment. This coverage is valid in all countries of the European Union.
What is not clear to us if the rest of insurance as they have civil liability we understand that this would also be included, right? The truth is that sometimes it is difficult to understand what insurance conditions tell us ...
Nature phenomena (hail, wind, snow, rain, landslides and other catastrophic or extraordinary ones)
We can tell you that in Ucoga and Zalba Caldú they are included and with good conditions, the others don't say anything.
Collision due to running over of hunting animals always with police report and without insured guilt
You should know that in Ucoga and MV Seguros they are included and in good condition, the others do not say anything.
In case of loss, the total compensation with 3 years of the vehicle would be….
Only Ucoga considers this point in its budget, which gives us transparency in a general way and helps us to trust a little more. They tell us that it will be 70% of the new value.
What would the other companies give us? No idea, they do not put anything in their estimates or conditions that they have sent us ...
An easy color chart to help you get it right!
This table, which we have prepared, reflects the number of coverages that each of the analyzed insurances includes: Ucoga, MV Seguros, Carvan and Zalba-Caldú. It is a graphic example that helps you to know at a glance, the conclusions we have reached.
Motorhome insurance price:
How much do you pay with a € 300 excess for each of these insurance companies?
Another Ucoga feature that we did not expect ... to take into account ... and that add points ...
Next service for policyholders: farms for the overnight stay in a motorhome
Mariña, our insurance advisor from Ucoga, who by the way, has a great human quality, there I leave it for her bosses: P, she attends us and tells us by phone that they are also working on an upcoming free service for 2022 for Ucoga insured: farms and agricultural extensions for the penocta in motorhome!
What you hear ... this has just made us fall in love! I don't know how this extra service from the company will be in the end, but the mere fact that they are moving to help the motorhome collective and above all that it has to do with helping rural areas already attracts me! We add extra extra point to Ucoga in the comparison!
What is our conclusion?
Without a doubt, the final decision is personal. Depending on the guarantees you are looking for when hiring the best insurance for motorhomes or the best insurance for campervan or the impressions you have of each company.
The most important thing is that you analyze well what you need to avoid hiring unnecessary coverage and above all not to forget to ensure important aspects of your trip and that you should have covered.
For example: if you go to North Cape where there are many accidents with reindeer without a doubt see that your insurance covers accidents with hunting animals!
Our recommendation, right now, and after years of experience and thousands of kilometers traveled both inside and outside of Spain, is to opt for the Comprehensive Motorhome Insurance with a 320 Excess in this case from Ucoga , which has seemed to us the most transparent, with the best coverage compared to the others analyzed, and on top of that, it has the best price!
We chose Ucoga as our insurance, after seeing that it is the best comprehensive insurance with excess once we compared the really important coverages in a motorhome or camper van insurance.
And as we said at the beginning… here is your gift!
Besides the best insurance after comparing they are great people! Thanks Ucoga!
Here is your gift:
10% DISCOUNT CODE: KUCAVANA10 with the company we choose!
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