Best protection for your motorhome
Find the tailored motorhome insurance for your travels. Nextsure offers comprehensive coverage, digital processes, and transparent rates. Find out more now!
Comprehensive Protection
Digital Processing
Fair Tariffs
Motorhome Insurance: What is Really Important?
Liability Obligation
Comprehensive Cover Options
Additional Components
Claims Service
Choosing the Right Motorhome Insurance: A Detailed Guide
Choosing the right motorhome insurance requires a thorough analysis of your individual needs and the usage profile of your vehicle. The fundamental aspect is the motor vehicle liability insurance. Based on this, you decide between third-party, fire and theft (covering theft, elemental damage, glass breakage, among others) and fully comprehensive insurance (additionally covering own damage, vandalism), depending on vehicle value and risk tolerance. Consider important additional services such as foreign damage protection for travel, comprehensive breakdown cover, and optional content protection for your mobile inventory. Understand tariff features like excess, no-claims discount class, and their impact on the premium. nextsure supports you transparently with service comparisons and fully digital completion, so you are always optimally and worry-free on the road.
Tailored Protection
Your motorhome optimally insured
Liability Insurance
Legally required, protects against third-party claims.
Partial cover
Protection against theft, fire, glass breakage, natural hazards.
Comprehensive insurance
Comprehensive cover, even in the event of accidents caused by oneself.
Coverage Letter
Breakdown assistance and support services across Europe.
International Protection
Safe abroad: Regulation under German law.
Content protection
Insures your personal belongings in the camper.
Saisonpolice
Save on premiums with seasonal use of your camper.
Driver protection
Driver protection in case of an accident caused by their own fault.
GAP coverage
Important when leasing or financing your camper.
Safely on the road with nextsure on every journey.
Ready for worry-free adventures?
Calculate your motorhome insurance now!
Cost Factors in Motorhome Insurance: Smartly Optimise Premiums
The premium of your motorhome insurance is determined by a variety of factors, understanding which can help you optimise costs. Vehicle-specific aspects such as type class, new value, engine performance, and construction type play a role, as do usage-related factors including annual mileage, parking location (garage is cheaper than street), and the use of a seasonal licence plate. Driver-related characteristics, particularly your no-claims bonus class (SF-class), the age of the drivers, and their number, are significant. Contractual agreements such as the chosen coverage (liability, partial/full comprehensive), the amount of the deductible, and the payment method also influence the costs. By making a conscious comparison, providing honest information, and choosing suitable options, you can actively shape your premium.
Protection for Your Inventory: Contents Insurance in the Motorhome
Your motorhome often houses valuable contents, from camping equipment to electronics, which require special protection beyond the standard vehicle insurance. Contents insurance for motorhomes, often available as an additional module or separate camping insurance, protects your personal belongings against risks such as theft (burglary), fire, storm, or vehicle accidents. Carefully determine the insurance sum based on an inventory list (new value) to avoid underinsurance. Pay attention to details in the contract regarding valuables, security requirements, and the scope of coverage, especially abroad. This protection is an important addition for financial security in case of loss or damage to your mobile household contents.
On the road in Europe: Foreign protection for your motorhome
For carefree motorhome journeys beyond German borders, adequate foreign coverage is essential. The Green Card serves as proof of your motor insurance liability, but a special foreign damage protection module is crucial: It covers damages incurred abroad through no fault of your own according to German law and standards, which avoids coverage gaps and lengthy disputes. Your comprehensive insurance generally applies within geographical Europe; however, check the details. A powerful roadside assistance policy offers Europe-wide breakdown and accident assistance, including vehicle recovery and medical repatriation. Also, don't forget separate overseas health insurance. Nextsure ensures that your insurance coverage is comprehensive, even on international routes.
Teilkasko vs. Vollkasko: Which coverage is suitable for your camper?
In addition to the mandatory motor vehicle liability insurance, comprehensive insurance is essential for the protection of your motorhome. Third-party, fire, and theft insurance covers damage from external factors such as theft, fire, elemental damage (storm, hail), glass breakage, and wildlife accidents. Fully comprehensive insurance includes all the benefits of third-party, fire, and theft insurance and extends protection to include damage to your own vehicle caused by accidents you are responsible for, as well as vandalism. The choice depends on the vehicle's value (new/high-value campers may require fully comprehensive insurance), your financial situation (can you afford to cover a total loss yourself?), any leasing/financing conditions, and your personal need for security. For most motorhomes, especially in the first few years, fully comprehensive insurance offers more comprehensive and secure protection.
Travel protection for the vehicle
Insured against breakdowns, accidents & damage
Financially secure
Protection against theft and vandalism
Completely worry-free
Insured against storms, hail, and weather damage
Seasonal license plate: Smart use of motorhome insurance to save money
If you don't use your motorhome year-round, a seasonal license plate offers significant savings potential on insurance and vehicle tax, as contributions only accrue for the registered period (2-11 months). Outside of the season, the vehicle may not be driven or parked on public roads but often benefits from a contribution-free suspended insurance (often partial coverage for theft/fire at the private parking space). This saves the annual registration and deregistration. Your no-claims discount class usually continues to develop, provided the contract is active for at least six months a year. Ideal for those who only use their motorhome during the warm season and have a private parking space.
Motorhome Claim: How to Act Correctly
In the event of a claim, acting calmly is crucial. In an accident, first secure the accident site, provide first aid, and, if necessary, call the police/emergency services. Document the damage comprehensively with photos and the European Accident Report; note witness details and exchange information with those involved in the accident without admitting liability. Report the damage to your insurance company immediately (nextsure offers digital reporting methods) and submit all documents promptly. Always discuss the next steps concerning assessments and repairs with your insurance company. In the case of theft or natural hazards, also inform the police and your insurance company immediately. Good documentation accelerates the settlement process.
Additional modules for your motorhome insurance: Personalised protection
Optimise your basic cover (liability/comprehensive) with useful additional components for your motorhome insurance. A breakdown cover offers breakdown/accident assistance and other support services. The foreign claims protection regulates damages abroad according to German law. A driver protection insurance covers the driver in the event of self-inflicted accidents. The contents insurance covers your mobile inventory. New price or purchase price compensation protects against depreciation for new vehicles. GAP coverage is important for leasing/financing. Extensions for all types of animal collisions or damage caused by martens can also be sensible. nextsure helps you tailor your customised protection package.
Is motorhome insurance mandatory?
Effectively protect your motorhome from theft through a combination of preventive measures and appropriate insurance coverage. Mechanical safeguards such as steering wheel locks, wheel clamps, and additional locks increase the effort required for thieves. Electronic systems like alarm systems and GPS trackers provide additional security and tracking options. Behavioural rules are also important: choose secure parking places, do not leave valuables visible, and secure vehicle keys. In terms of insurance, partial coverage insures against vehicle theft, while contents insurance covers your inventory. Pay attention to policy conditions; some insurers require security devices or offer discounts for them.
