Whether you are new to the world of motorhomes or already have experience, motorhome insurance is a key aspect that you should not overlook. Travelling with your home on wheels gives you freedom, but it also comes with responsibilities. This article explains the different types of insurance, how much they cost, and what you absolutely must have in your vehicle. Get ready to travel safely and worry-free!
Motorhome insurance by the day
Not everyone needs annual insurance. For occasional getaways or temporary rentals, there are some very interesting options, such as motorhome insurance by the day. This type of policy is ideal if:
- You are renting a motorhome for a few days
- You are only going to use it for occasional holidays
- You need to cover a short trip
Temporary insurance policies are usually taken out for a minimum of 1 day and a maximum of 28 days. They are very easy to manage online and offer different types of cover: from basic civil liability to roadside assistance, theft, own damage or broken windows.
Main advantages of insurance by the day:
- You only pay for what you use
- It gives you flexibility for spontaneous getaways
- Quick to sign up for, without lots of paperwork
However, it is important to read the small print carefully. Some short-term insurance policies do not cover trips outside Spain or limit the age of drivers (for example, over 25 years old with more than 2 years' driving experience). You should also check whether they cover additional accessories such as awnings, solar panels or bike racks.
How much does motorhome insurance cost?
One of the most frequently asked questions is: How much does motorhome insurance really cost? The answer depends on many factors:
- Make and model of the motorhome
- Year of registration and market value
- Age of the driver and length of time they have held their licence
- Type of policy (third party, comprehensive, with excess, etc.)
- Extra cover (theft, windows, assistance, etc.)
As a reference, these are the average prices in Spain:
- Third-party insurance: between €250 and €400 per year
- Extended third-party insurance: Here at Benimar, for years, €350
- Fully comprehensive insurance with excess: between €500 and €900
- Insurance by the day: Here at Benimar, for years, €12 to €20 per day,depending on coverage
Practical tip: use comparison websites and consult insurers that specialise in recreational vehicles. Some policies include useful extras such as assistance throughout Europe, cover for personal belongings or replacement vehicles in the event of a breakdown.
Also, if you travel abroad frequently, make sure that your insurance covers countries outside the European Union. Not all insurers include this by default.
What must you take with you in a motorhome?
In addition to valid motorhome insurance,there are a number of items that you are required by law to carry in your vehicle at all times. This is not only to avoid penalties, but also for your safety on the road.
Mandatory items:
- Vehicle documentation (registration certificate, technical specifications)
- Insurance policy or proof of valid insurance
- Appropriate driving licence (type B is sufficient for up to 3,500 kg)
- Reflective jacket
- Two emergency triangles (soon to be replaced by the V-16 sign)
- Spare wheel, jack and tools or puncture repair kit
- Fire extinguisher (mandatory in some European countries)
Recommended items (not mandatory, but very useful):
- First-aid medical kit
- Torch or emergency light
Set of spare bulbs - Insurance documentation in several languages if you are travelling outside Spain
Checking your equipment before each trip is the best way to avoid unforeseen events and penalties. And remember that your insurance may not cover damage or accidents if you do not have all the mandatory items.
Is it mandatory to have insurance for a motorhome?
Yes. As with any motor vehicle, it is mandatory to have motorhome insurance with at least basic civil liability coverage. This insurance covers any damage you may cause to third parties, both personal and material. If you do not have it, penalties can exceed €1,000 and even result in the vehicle being immobilised.
In addition, driving without insurance can cause you serious problems in the event of an accident, as you will be directly liable for all damages.
Having the motorhome insurance Adequate insurance allows you to travel with the peace of mind of being covered for any unforeseen events. Whether it's for a weekend getaway or a grand tour of Europe, there are options to suit all budgets and needs.
At Benimar, we have been manufacturing motorhomes designed for you to enjoy every kilometre for decades. We encourage you to check your insurance, prepare your equipment, and set off to discover the world with total freedom!