Holidaying at home is back with a bang, and who wouldn’t want to do it in style? A cool campervan can give you the freedom you desire with all the comfort of home. The only question is, do you see yourself in a retro Volkswagen or a modern utility vehicle?
Campers and RVs are very different from a standard car and require different insurance. Below, we discuss the types of RV and camper insurance to help you get the best deals. Keep reading to find out everything you need to know.
What Are the Different Types of Vehicles?
Before looking for insurance, you must first work out what class of travel vehicle your camper or RV falls under. There are three main classes, each with slightly different sizes, specifications, and insurance brackets. The campervan insurance cost will vary depending on your class.
Class A vehicles are the biggest and usually comprise of large motorhomes and coaches. They can be up to 75ft in length, and can often sleep as many as 8 people. The weight goes from 20,000 to 40,000 lbs.
Class B vehicles are the smallest in size and will be the category for most campervans. They range from around 6000 to 8000 lbs in weight.
Finally, class C is the criteria that most RVs will fit into. It is the medium-sized RV category, encompassing anything from 20 to 31 feet in length. They typically sleep around 6 people.
Auto Insurance and RV Insurance
Auto and RV insurance have two fundamental differences. Auto insurance will cover the vehicle itself. It will be protected in the event of a fire, theft, damage, or accident just like a car would. However, the build or anything inside is not protected.
RV insurance covers everything inside the vehicle as well. If your vehicle only has bedding and a mattress in, then it may not be worth it. However, if you treat your RV as a second home with your belongings and valuables inside, then you need RV insurance.
Are RV and Camper Insurance Different?
RV insurance is the general term for all types of travel vehicle insurance. Camper insurance will generally be a cheaper version of RV insurance, as you are not insuring as large a vehicle. To learn more about campervan insurance click here.
What Do You Need for RV Insurance?
When getting RV insurance you will need to provide evidence of the contents of your vehicle. Keep all the receipts and invoices you have for contents, and if you have done a build, for all parts used. Take detailed photographs of the inside and outside of your van as proof.
Depending upon the state, you may need to supply various vehicle documentation parts. These could include details on weight, VIN numbers, and other details. Some vehicles will also have to pass certain onboard standards to be classed as an RV, such as the availability of water and electricity.
Find a Policy That Suits You
RV and camper insurance will need a specialist provider. Take a look online and get a number of quotes before deciding on the package that is right for you.
If you have enjoyed this article then read our other handy and helpful blogs. We have a number of pieces that can help you get the best deals and save money on everything from insurance to consumer products.
