One of the last things people may think about when securing a motorhome rental is the insurance. After all there are so many things to focus on, including the vehicle type and options, that you may lose sight of the fact that insurance is lawfully required in most countries. But insurance isn’t just a technicality or a hassle. There are a number of incredibly important situations where insurance comes in handy and can save you from financial hits. No matter how safe a driver you may be, there are a variety of situations where, through no fault of your own, insurance will come in handy and save you a lot of hassle and money. So keep these factors firmly in mind when considering insurance options before hitting the road in your chosen rental.
No matter where you may be traveling, even in the most remote areas, you never know when you’re going to be hit with a theft. You can take all the precautions such as keeping your doors locked when not in the vehicle and not hauling around expensive equipment, but theft can happen to even the most careful of drivers. Insurance really comes in handy with a situation such as this. In a case of theft all you have to do is report it to your insurance company. They will request a list of the items stolen and a breakdown of their value, then provide you the money to replace them after a quick assessment. You may not think about items such as this when you first visit the caravan sales office, but you will be very thankful should you fall victim to theft.
Even for those that are the very best of drivers, accidents do happen when out on the road. Sometimes it can be another driver’s fault due to faulty driving or negligence. Sometimes it can be a mistake you make when driving that causes the accident. Other times it can be a force of nature that you have no control over at all, such as a fallen tree branch or an animal running into the road. Whatever the case, should you fall into an accident situation this is where insurance really kicks into gear and helps you out. With any accident there are going to be damages to your caravan, and there may be medical costs for yourself and other drivers, not to mention damage to other’s vehicles. If you are without insurance, chances are you may end up having to cover all these charges out of your own pocket. This will not be the case when you have insurance, as the insurance will cover all the overhead should you be judged at fault for the accident.
In the event that the worst should happen and your caravan itself is stolen, this is where insurance will really come in handy. All insurance providers have coverage for this and the full amount of your caravan will be covered in the case of theft. This will give you the peace of mind in knowing that if someone makes off with your caravan you will not be facing a major loss on your finances, nor will you be required to pay off the dealer or the loan. You will be reimbursed for the full amount, or close to it, of the worth of the caravan.
In most countries, it is the law to possess insurance for any vehicle that will be on the road. If you should get stopped or get into an accident without insurance you will be facing fines and tickets from the police for driving without insurance. This means that having insurance helps you in more ways than just in accidents and thefts. It saves you money on fines and charges as well and keeps you in step with the laws of your country or territory, and those of any country or territory you may be traveling in. It also helps to look up the specific insurance laws of any area you are traveling in so that you can make sure you are in compliance and won’t be facing any fines or tickets. This is easily the main reason insurance is important when it comes to RV rentals travel.
In reading over this list you can no doubt see why insurance is so important for RV rentals. There are a number of things that can go wrong out on the road, with many of them being completely beyond your control, and these can end up costing you a significant amount of money. Insurance is in place to take care of this and is a reason you can rest easy when out on the road and enjoy your trip knowing that you are covered should the worst happen.