Safe travels: Your campervan insurance
Comprehensive protection for your mobile home. Discover nextsure's tailored campervan insurance and travel across Europe and beyond worry-free. Custom rates, digital conclusion.
Tailored Protection
Digital Processing
Europe-wide Validity
Why a specialist campervan insurance is essential
Covers more than car liability insurance
Protection for Fixed Assets
Protection against Theft & Burglary
Specific camper risks considered
The building blocks of your nextsure campervan insurance: liability, comprehensive cover and more
A campervan insurance is more than just a formality; it's your financial shield against unforeseen events. At nextsure, we understand that every camper and every journey is unique. That's why we offer modular insurance solutions tailored precisely to your needs. The foundation is the legally required motor vehicle liability insurance. This covers personal, property, and financial damages you cause to third parties with your campervan. Given the size and weight of motorhomes, sufficiently high coverage sums are essential here. In addition to liability, the partial coverage insurance protects your campervan against damages from external influences such as theft, fire, natural hazards, glass breakage, and accidents involving wild animals. For comprehensive protection, the fully comprehensive insurance also covers damage to your own campervan caused by self-inflicted accidents or vandalism. In addition to these core components, nextsure offers sensible additional services such as breakdown cover, driver protection, or GAP coverage.
YOUR MOBILE HOME
Optimally insured with nextsure
Liability Insurance
Mandatory basic coverage for personal injury, property damage, and financial losses.
Partial cover
Protection against theft, fire, natural hazards, glass breakage, and wildlife accidents.
Comprehensive insurance
Comprehensive insurance offers the most extensive protection for your campervan. It not only covers the risks included in third-party, fire, and theft insurance, but also compensates for damage to your own vehicle caused by yourself, as well as vandalism. Highly recommended for new or high-value vehicles.
Inventory protection
Your campervan often houses valuable items, from kitchen equipment to personal electronics. This module protects your fixed and loose inventory against theft, damage, or destruction, so you won't be left with the costs in case of a loss.
International Protection
Discover Europe without insurance worries. Our foreign protection extends the validity of your campervan insurance for travel in European countries and often beyond (according to the Green Card). This way, you are well covered for accidents or breakdowns even beyond the German borders.
Coverage Letter
Quick assistance in case of breakdowns, accidents, or theft while travelling.
GAP coverage
This coverage is important for financed or leased campervans. In the event of a total loss or theft, it compensates for the difference between the time value reimbursed by the comprehensive insurance and the higher remaining book value from the leasing or credit contract, to avoid financial disadvantages.
Driver protection
Driver protection for self-inflicted accidents with personal injury.
Accessory Protection
Insurance for retrofitted accessories such as awnings or solar panels.
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Protection for your inventory and accessories: What is covered?
Your campervan is your mobile home – equipped with everything you need for comfortable travel. A specialised inventory insurance for campers or appropriate clauses in your comprehensive insurance is crucial here. Permanently installed inventory (kitchen, bed, cupboards) is usually covered up to a certain amount by comprehensive insurance – check this thoroughly. For loose inventory such as clothing or electronics, different regulations often apply; here, separate travel luggage insurance or an external insurance of your household contents policy may be sensible. Special accessories such as awnings, solar systems, or bike carriers should be explicitly considered in the insurance cover and declared separately if necessary. Keep a detailed inventory list with receipts to prove the value in case of damage. nextsure offers transparent solutions for the comprehensive protection of your vehicle and its valuable contents.
Foreign protection: Travel safely through Europe with the campervan
The freedom to discover Europe's diverse landscapes with your own campervan is priceless. To ensure that your travels abroad remain worry-free, comprehensive overseas protection for your camper is essential. Your German motor liability insurance is valid in most European countries; the exact scope is noted on your International Insurance Card (Green Card), which you should always carry with you. Check that your comprehensive insurance also fully applies abroad, typically within Europe's geographical boundaries. In the event of damage abroad: secure the accident scene, call the police if necessary, use the European accident report, and promptly report the damage to your insurance company. An optional overseas protection letter can provide valuable services (towing service, vehicle repatriation). With nextsure, you are well-prepared for boundless travel experiences.
No-claims discount and special classifications for campervans
The no-claims discount (SF class) is a key factor in determining your insurance premium. Each claim-free year rewards you with a better SF class. Often, an existing SF discount can be transferred from a car to a campervan; check the conditions. For new drivers or if the campervan is registered as a second vehicle, there are frequently special classifications available that might be more cost-effective than the standard initial classification. In the event of an at-fault claim, you will be downgraded in the SF class. A discount protection can prevent this, or you can cover minor damages yourself to preserve the discount. nextsure provides transparent advice on all aspects of the no-claims discount and helps you keep your motorhome insurance costs low in the long term.
Seasonal license plate or year-round use: What needs to be considered for insurance purposes?
The decision between a seasonal registration and a year-round registration for your campervan depends on your usage habits and affects your insurance. A seasonal registration allows use only within a specified period (2-11 months), resulting in pro-rata motor vehicle tax and insurance contributions. During the non-operational period, a contribution-free rest insurance is usually available (mostly partial cover elements) if the vehicle is parked on private property. The year-round registration offers maximum flexibility but is more expensive. Compare the cost savings of a seasonal registration with the flexibility of year-round use. nextsure assists you in calculating and selecting the optimal campervan insurance rate that suits your usage habits.
Luggage
Protection for your luggage
Car insurance
For your everyday vehicle
Trip cancellation
If plans change
Theft Protection and Prevention: How to Optimally Secure Your Campervan
Campervans are attractive targets for thieves due to their high value. Comprehensive theft protection is therefore as important as good insurance. Mechanical security devices (steering wheel locks, door locks) and electronic systems (alarms, GPS trackers) enhance protection. Insurers often reward certified security systems with premium discounts. Behavioural tips: Park in secure places, do not leave valuables visible, and lock everything carefully. In the event of a theft, report it immediately to the police and your insurance company. Prevention and the appropriate insurance cover for motorhomes from nextsure ideally complement each other for a relaxed travel experience.
Insure a Self-Build Camper: Special Challenges and Solutions
When insuring self-built campers, accurate valuation is crucial. This consists of the value of the base vehicle and the value of the conversion. Comprehensive documentation (invoices, photos of the construction phases) is essential. For high-quality conversions, an appraisal from a motor vehicle expert may be required. Not every insurance company accepts self-conversions or has specific requirements. Determine early on which documents are needed. The official registration as a motorhome after the conversion is also important. nextsure advises you on the necessary steps and helps you find a suitable insurance solution for your DIY camper that takes into account the individual value of your vehicle.
Claim: How to Report Damage to Your Campervan Correctly
In the event of damage, correct action is crucial. At the accident site: Keep calm, secure the accident scene, provide first aid, and call the police if necessary. Do not admit fault. For claims processing: Take photos, note witness details, and complete the European Accident Statement. Report the damage to your insurer as soon as possible (online or by phone) with your policy number. Required documents: vehicle registration certificate, driving licence, accident report, photos, and, if applicable, police report or confirmation of report (in case of theft). Discuss your choice of workshop with your insurer in advance. nextsure relies on transparent and customer-focused claims handling.
What differentiates campervan insurance from regular car insurance?
Renting out your campervan requires special insurance coverage, as a standard private policy is not enough for this. You need insurance for self-drive hire vehicles. This takes into account the increased risk due to changing drivers and higher usage intensity, and is usually more expensive, but it offers the necessary coverage. Alternatively, rental platforms often provide their own insurance solutions – carefully check their terms and conditions. Regardless, clear contractual arrangements with your tenants (handover protocol, deposit, excess) are essential. nextsure advises you on suitable insurance solutions for campervan rentals to protect your investment.
