Camper van insurance is something you have to consider if you do a lot of van camping. Accidents happen even in your camper van, usually when least expected...
Insurance policies will usually depend on the insurance company and the country you travel to. Either way, take your time to check the small print, just to understand what and where ar you covered for.
If you wish to use your camper van only for the season, check if part-time insurance is possible. You can also think about insuring some camper accessories, such as camper awnings, solar panels, heaters and everything else you consider valuable.
Mandatory camper van insurance usually covers the following;
Optional insurance covers as much as you like and intend to pay for and again, depends on the insurance company. And just to get the general idea of what you can be covered for..
Camper van insurance depends on the type of camper van you have.
I'm far from being all thrilled about this paperwork stuff and usually I don't even understand my insurance agent. I was at the helm of motorcycles, camper vans. Heavy trucks and even sailing boats for decades and all I had was a few minor bump and dent accidents.
But funny as it may sound, even a simple flat tire needs the 24-hour road assistance on special occasions. Don't get me wrong here, I know how to change a flat tire, but when things go wrong, they go wrong...
My wife and I were cruising steadily in our camper van, on a highway somewhere between Madrid and Barcelona in Spain a few years ago. The road was descending and a light left curve was coming up. I started passing a truck and just as I was in front of it, the steering wheel begun pulling slightly to the left side.
Now, I'm talking about seconds here. It was obvious, that the front left tire was about to be flat on the road. I pulled in the emergency lane just in front of the truck to change the tire. The driver was p..... off of course (hey, sorry about that!),but it was an emergency situation. Quite dangerous though...
The narrow emergency lane was barely large enough for the van to fit in. Changing the left tire with all the trucks passing close by was out of the question here or else I wouldn't be here writing this web-page. And the tire wasn't just flat, but in shreds.
My wife and I hopped over the guard rail under a tree as it was even way to dangerous to stay in the van. So there we were, somewhere in the middle of Spain and as far as our eyes could see, there was absolutely nothing around us. Mountains and plains, nothing else.
In this pretty much dead end situation I took out my camper van insurance policy, called the 24/hour emergency number and...
To make a long story short, first of all you have to know where you are in these situations. I use the GPS unit, but I rely on maps, which in this case helped me out a lot.
The tow truck showed up a hole hour and a half later and the drivers first face expression was...ufff, another couple of dumb travelers that don't now how to change a flat tyre. Despite the fact that I speak four foreign languages, my Spanish is null. So I tried to communicate and explain the situation looking at the sarcastic expression on his face, until I was fed up with the situation and just told him in my own language that he is more then welcomed to change the tyre by himself.
He unloaded the jack from his tow truck and started the tyre changing procedure which only lasted for about a couple of minutes. The first truck that came by at a 90km/h or even more going downhill, greeted him with blowing the horn and flashing lights and passed just to close to him. I guess that this was the point, where he became aware of the fact that he might not see the end of the day...well at least alive to say so.
So, the jack went back on the tow truck and he started loading our van. We had not spoken a word for the next half an hour that it took us to get to the closest garage, where we changed the tyre in no time. So much for human ego.
Despite the fact, that we run into a person that obviously had a bad day
and the fact that we had to wait for him an hour and a half I still
have my 24/hour assistance card from my camper van insurance policy.
This was a dumb'n'simple scenario all the way, but remember that other and much worse kinds of accidents can happen.
This is what we get in the so called "civilized world" as we know it. If your travels take you elsewhere in what we where thought to call "the third world countries" it will be the local folks helping you out most of the time. Out there we all speak different languages but everything usually all boils down to a very simple and common human factor...helping each other...