If you are thinking of renting a motorhome, you are probably wondering what motorhome rental insurance is included in the price. This aspect is key to travel with peace of mind, since not all insurances offer the same coverage.
In this article we explain the most common types of insurance, what the basic insurance covers, what extended options are available and what you should consider before making your choice.
Types of motorhome rental insurance
As with rental cars, there are different types of motorhome rental insurance:
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Third party insurance: Only covers damages caused to third parties, but not to the vehicle itself. It is the most basic option.
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Comprehensive insurance with excess: The most common. It includes own and third party damages, but you must assume a part of the cost (franchise), which is usually between 600 € and 1,200 €.
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Fully comprehensive insurance without excess: The most complete. Practically all damages are covered and you will not have to pay excess, although the rental is more expensive.
At Autocaravanas Omaia, we offer a comprehensive insurance with an excess of 900€.
Basic motorhome rental insurance coverages
Basic motorhome rental insurance usually includes:
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Compulsory civil liability (damages to third parties).
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Roadside assistance in case of accident or breakdown.
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Occupant’s insurance (depending on the policy).
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Own damage coverage with excess.
⚠️ Normally, this insurance does not cover damage to windows, tires or mirrors, or damage to the interior of the passenger compartment. It is therefore important to check the contract before leaving on a trip.
Extended insurance options
If you want to travel with more peace of mind, you can take out an extended motorhome rental insurance policy. Among the most frequent coverages are:
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Reduction of deductible (e.g. from 900 € to 300 €).
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Coverage of glass, windows and rear-view mirrors.
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Tire and wheel protection.
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Theft and fire coverage.
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International assistance, in case of traveling outside Spain.
Although it increases the cost of the rental slightly, it will give you greater security in case of unforeseen events.
Tips on how to choose the best motorhome rental insurance
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Compare between companies. Not all offer the same basic insurance coverage.
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Think about your route. If you are traveling to mountainous areas or outside Spain, you may be interested in extra coverage.
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Ask about the franchise. Knowing the exact amount avoids surprises.
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Take pictures before leaving. This way you will have proof if there is any misunderstanding.
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Value your peace of mind. Many times paying a little more to reduce the franchise pays off.
Useful insurance resources
🚐 Travel with peace of mind with Autocaravanas Omaia
In Autocaravanas Omaia we always include a fully comprehensive motorhome rental insurance with an excess of 900€. The insurance offers 24h roadside assistance and liability coverage.
👉 Check out all the options and book your next getaway here: www.autocaravanasomaia.com