Excess Cover for Motorhomes | Choosing the Right Policy for your Campervan

Excess cover is a great choice for all vehicles, including motorhomes. Insurance excess can leave you out of pocket, especially if you have a high excess that you need to pay out. From just £23.86 a year, you can have the peace of mind that your motorhome excess is covered, using comprehensive cover from ALA.

In this guide, we will discuss the benefits of excess cover for motorhomes, as well as the factors to consider before choosing your policy, and any restrictions you need to be aware of.

Can I Get Excess Cover for my Motorhome?

Yes, and if you’ve recently bought a campervan or motorhome, excess cover is definitely something you should consider. Excess cover for motorhomes is a specific type of insurance that reimburses you the excess amount you will need to pay out on your main insurance policy if you need to make a claim.

In the UK, motorhome insurance policies often come with significant excess charges, especially for new drivers or high-value vehicles. If your policy has a compulsory or voluntary excess, you could be left out of pocket even with full comprehensive insurance.

At ALA, our excess insurance policies cover cars, vans, pickups and motorhomes, with cover ranging from £250 to £2000. There are no restrictions to how many times you can buy our policies, and there are also no mileage restrictions for the duration of your policy. You can find out more about our excess insurance policies here.

Why Do I Need a Campervan Excess Cover Policy?

Excess cover might not be the first thing you think about when insuring your campervan, but it’s a smart move that can save you hundreds of pounds if things go wrong.

A few reasons why campervan owners opt for excess protection include:

• It Protects Your Wallet: In the event of a claim, your insurer will deduct the excess from any payout. With excess cover, you can reclaim that amount, softening the financial blow.
• It Covers a Range of Scenarios: From minor scrapes and parking mishaps to larger collisions, campervan excess cover starts when you need it most.
• It Gives You Peace of Mind: Motorhome travel is about relaxing and enjoying your journey. With excess cover in place, you won’t have to worry about unexpected expenses disrupting your plans.
• It’s Cost-Effective: Excess cover is often surprisingly affordable, especially when you compare the annual premium to the potential excess you might be asked to pay (which can be £500 or more, depending on your policy). Our premiums at ALA start from just £23.86, depending on the claim limit you choose.

Start building your motorhome excess cover quote here.

What Factors Should I Consider When Choosing Motorhome Excess Cover?

Choosing the right excess cover for your campervan isn’t just about the price. It’s about ensuring that the policy fits your needs and offers the protection you expect. Here are some key considerations:

• Policy Limits: Each excess insurance policy will have an annual claim limit. Check whether this aligns with your motorhome’s insurance excess. For example, if your excess is £750, make sure the cover limit is equal to or greater than that amount. Our cover limits range from £250 to £2000.
• Types of Excess Covered: Not all policies cover every kind of excess. Our policies cover both compulsory excess and voluntary excess.
• Duration of Cover: Is the policy for a single trip or annual? If you use your campervan regularly or for extended travel, annual cover will be more cost-effective and convenient. Our policies last for one year, but can be renewed indefinitely.
• Who is Covered?: Some policies cover any authorised driver, while others may only cover the main policyholder. If you’re sharing driving duties with a partner or friend, make sure they’re included in the cover.
• Ease of Claims: A good excess insurer should make the claims process as simple and stress-free as possible. With ALA, you can expect a streamlined experience that gets your money back quickly, often within days.

Are There Any Exclusions in Motorhome Excess Insurance?

As with any insurance policy, it’s important to be aware of what isn’t covered. Exclusions in our campervan excess policies include:

• Claims that aren’t accepted by your main insurer: If your primary insurance doesn’t pay out, your excess cover won’t either.
• Claims made outside of your period of insurance: if you wish to claim for an issue that occurred before you took out excess insurance, you will not be successful in your claim.
• Unauthorised drivers: If someone who’s not listed on your insurance policy is driving the campervan, you will not be covered.
• Uncovered issues: ALA will not pay out for any issues arising from breakdown, misfuelling, and windscreen repair or replacement.
• Mechanical breakdowns: These are usually the domain of breakdown cover, not excess insurance.

With ALA, the policy documents are clearly written and easy to understand, so you can be confident about what’s included and what’s not.

Motorhome Excess Cover at ALA

At ALA, we understand the unique needs of campervan and motorhome drivers. Our excess policies are designed to complement your main insurance and offer real value, offering a wide range of cover levels, so whether your excess is £250 or £2000, there’s a policy to suit.

With a quick and straightforward claims process, we ensure you’re not left waiting to be reimbursed. With over 20,000 reviews, a 4.9 star rating and a reputation for excellent customer service, we have earned the trust of vehicle owners across the UK.

To find out more, get in touch with a member of our team today.