Motorhome Excess Insurance
Find out what is covered when your buy motorhome excess insurance from Questor Insurance. We cover campervan's as well.
Introduction
When renting a motorhome or campervan the hirer, that's you, is responsible for damage to the hired vehicle up to a limit known as the Excess. The amount of damage that you are responsible for will depend on the motorhome or campervan, from whom you have hired, your age, driving experience etc. The damage you are responsible for will include but not limited to accidental damage, malicious damage, theft, damage caused by another vehicle, chipped windscreens, tyres, loss of keys etc.
When you buy Questor's Motorhome or Camperavan Hire Insurance you will save money compared to purchasing the Excess Waiver offered by the Hire Company and we are confident that our product offers wider cover for the price paid.
How does Motorhome or Campervan Hire Excess Insurance Work?
You have a number of options when purchasing a policy from Questor Insurance. We only offer Motorhome or Campervan Hire Insurance to cover a single hire agreement upto 45 days in length. We cover hire agreements for either UK, Ireland and Europe, or Worldwide.
What's Included
| Description | Cover | Excess |
|---|---|---|
| Excess Reimbursement | Up to £2,500 | £350 |
| Tyres, Windscreen, Roof and Underbody | Up to £2,500 | £0 |
| Administration Charges | Up to £500 | £0 |
| Towing | Up to £500 | £0 |
| Key Cover | Up to £500 | £0 |
| Misfuelling | Up to £500 | £0 |
How do we Handle Claims?
Our sister company Orchard Administration has been handling claims for our customers since July 2014 that is a total of days. Orchard has invested heavily in technology to enable you to quickly and painlessly lodge a claim and you will receive the very best customer service. Don't take our word for see below for genuine reviews from real customers who have submitted a claim.
None of our competitors provide such a public review of their claims service.
TrustPilot Reviews - Claim Handling
Who is Covered by this Policy?
Any person:
- Permanently resident in the United Kingdom (England, Scotland, Wales and Northern Island), Isle of Man, Jersey or Guernsey.
- Aged at least 23 at the time of purchase
- Named on the motorhome hire agreement
The policyholder must be the person hiring the vehicle.
What is not Covered?
This policy does not cover:
- First £350 of any excess reimbursement claim
- Cars, vans, minibuses and motorcycles
- Any motorhome/campervan valued more than £100,000 or more than 7.5Tonnes.
- Any hire not in the name of the policyholder.
- Any Motorhome or Campervan hire agreement which commenced before the policy start date or concludes after the policy expiry date.
- Any damage to another person's property or bodily injury also known as third party liability.
Jargon Buster
Policy Wording
Motorhome Hire Excess Insurance Policy.
Excess
The maximum amount that you are liable for in the event of damage to, or theft of, the rented vehicle, under the terms and conditions of your car rental agreement.
Collision Damge Waiver (CDW)
The basic cover for damage to or the theft of the rented vehicle, usually provided by the rental company. Where you have collision damage waiver with the rental company, you would normally be liable for an excess.
Tyres, Wheels, Windscreen, Underbody and Roof
Car rental companies usually exclude these from the Excess, meaning that you would be liable for the full cost of damage. This benefit will cover you for this damage, up to the limit shown on your certificate of insurance.
What is a Motorhome or Campervan?
A vehicle up to 7.5T which includes fixed sleeping or cooking facilities.
Who is covered
The policyholder noted on the certificate of insurance must be the lead driver on the rental agreement. Any additional drivers authorised by the rental company are automatically covered and do not need to be named on this policy.
Misfueling
When the wrong fuel is accidently put into the vehicle.
Administration Charges
Any fees charged by the car hire company when the vehicle is damaged during a hire agreement.
Your Right to Cancel
This policy can be cancelled anytime up to the start date of the policy. If you cancel the policy we will provide you with a full refund.
Online Portal
We utilise an online portal which allows you to self-serve and manage your policy at a time that is convenient to you. You can upgrade, renew and cancel your policy within your portal. To access your portal, select ‘Login’ on the top right of this page.
Regulatory Information
Riverside Underwriting Limited is registered in England and Wales (06201617). Registered address: Bryant House, Bryant Road, Strood, Rochester, Kent, ME2 3EW. Authorised and regulated by the Financial Conduct Authority (FRN 466942). This insurance is provided by Riverside Underwriting Limited t/as Questor Insurance which is registered in the UK, and is underwritten by Fortegra Europe Insurance Company SE (Malta Company Registration Number C84703).