Imagine you’ve just booked your dream motorhome trip. The route is planned, the stops are set, and the excitement is building… but do you know what happens if you have an accident? Or if someone steals your camper? The answer lies in the insurance policy.
What type of insurance is included when renting a motorhome? It’s a crucial question many travelers ask before signing the rental agreement. Here’s everything you need to know to travel with peace of mind.
1. Basic Insurance Coverage in Motorhome Rentals
Each rental company has its own terms, but these are the most common coverages included:
a) Mandatory Civil Liability Insurance
- Covers damages you cause to third parties (other vehicles, people, or property).
- Required by law in Spain.
b) Comprehensive Insurance (with Excess)
- Covers damages to both your vehicle and others, but you’ll pay a set amount (the excess) in case of a claim.
- For example, if the excess is €1,000 and the damage costs €3,000, you pay €1,000, and the insurance covers the rest.
c) Theft and Fire Protection
- Covers total or partial loss of the motorhome in these situations.
2. Optional Coverage You Can Add
Many companies offer additional insurance for extra protection:
a) Excess Reduction
- Pay a small daily fee to lower (or eliminate) the excess amount in case of an accident.
b) Roadside Assistance
- Includes towing, repairs, alternative accommodation, or even a replacement vehicle.
c) Occupant Insurance
- Covers injuries for you and your passengers.
3. What’s Usually NOT Covered by Basic Insurance?
- Negligence-related damages: If you drive under the influence or without a valid license.
- Interior fittings: Fridge, TV, or furniture may require extra coverage.
- Tires or windows: Sometimes excluded.
4. Renting Campers in Madrid: What Should You Ask?
If you’re looking for camper rentals in Madrid, make sure to:
- Read the fine print in the contract.
- Ask if the insurance includes unlimited mileage.
- Check for geographical restrictions (some companies don’t allow travel outside Spain).
5. Tips to Avoid Insurance Issues
- Take photos and videos of the motorhome before departure.
- Check the fuel level when returning it (some companies charge penalties).
- Ask about secure parking: Some policies don’t cover theft if the vehicle is left on the street.
6. Is It Worth Getting Extra Insurance?
It depends on your trip:
- If traveling to remote areas, roadside assistance is useful.
- If you want zero stress, reduce the excess.
- If carrying expensive gear, consider extended coverage.
7. Compare Before Renting
Not all rental companies offer the same terms. Get quotes and compare:
- Daily price vs. included coverage.
- Customer reviews about claims handling.
8. What If You Have an Accident? Steps to Follow
- Call emergency services if there are injuries.
- Contact the rental company (they’ll guide you).
- Fill out an accident report or file a police report if needed.
- Keep all documents for insurance purposes.
9. Autocaravanas Camperdadi: Your Journey, Our Priority
At Autocaravanas Camperdadi, we want you to travel worry-free. That’s why our motorhomes come with comprehensive insurance (with reducible excess) and 24/7 assistance.
Got questions? Get in touch:
📞 Call us at +34 91 082 06 32
💬 Message us on WhatsApp
✉️ Or email info@autocaravanascamperdadi.com
Book now and hit the road with complete confidence. 🚛💨