Are You Covered? Insurance and Excess Cover for Motorhome Rentals

on Jan 24, 2018

A simple explanation of motorhome insurance: Roam with peace of mind

A holiday is wonderful, a holiday with peace of mind is even better. Insurance is one of those details that we would rather forget about in favour of itineraries and activities, but it is an important part of travel planning and one that should be squared away before you depart. Renting a motorhome brings with it some unique things to consider, but fortunately Motorhome Republic can make this process a stress free one. This article is intended to simplify those details in a few short sentences so that you can enjoy an adventurous and nomadic journey with no worries.

Insurance included with every rental

Generally, a degree of insurance will come part and parcel of your motorhome rental. Suppliers are not often willing to rent out their vehicles completely uninsured, so they include cover in the rental price. The level of cover varies - most basic cover options have a hefty excess of several thousand dollars, and do not include insurance for things like tyre or windscreen damage. In most cases, the excess will be retained as a bond or as a hold on a credit card to ensure payment if necessary.


When booking a particular vehicle on Motorhome Republic, you will be given the choice of the supplier’s insurance options. These vary between companies, with some offering full cover at added cost and others offering a variety of plans with different excess amounts - this being the amount to be paid before the insurance kicks in.


If you have an accident or otherwise damage the motorhome during your travels, you will need to immediately contact your rental supplier and have them arrange for whatever repairs are required. The excess will be taken from your bond, and everything else covered by the insurance policy - unless it is a specific type of damage which is not included.


Inside a cosy campervan looking out at a beautiful mountain vista

Excess Cover

Where supplier insurance can't aid you, Motorhome Republic's affordable cover, called Protection Plus Excess Refund Insurance, can often help. This is a separate insurance product with policies tailored to the customer, and it will take care of your excess so that you're free to travel in tranquillity. It is a reimbursement cover, so after you have paid any excess required you will be reimbursed up to the amount stated in the policy.


Protection Plus, available to customers from Australia, New Zealand, the United Kingdom, Austria, Belgium, Cyprus, Denmark, Finland, France, Germany, Ireland, Italy, Malta, the Netherlands, Norway, Portugal, Spain, Sweden, Poland, Romania, and the Czech Republic, covers a range of mishaps that could befall the motorhome traveller. These include weather-related claims, fire damage, damage to tyres, windscreens and glass (often excluded from supplier policies), collisions with animals, theft or attempted theft, towing costs and more.


The Protection Plus policies also cover a few extras - including up to AUD$500/NZD$550/£300 towards the costs incurred as a result of misfuelling, up to AUD$500/NZD$550/£300 for replacement keys and locks, and up to AUD$1000/NZD$1100/£550 for any unrecoverable claims' administration charges.

Why take independent excess refund insurance?

A motorhome parked up and glowing beneath the starry night sky in New Zealand


While many rental companies offer their own version of excess cover, Protection Plus as an independent policy has several advantages.


  • Customers will have an advocate assigned to them who will help them with the claim process and also help them to work with the rental company to square away all the details.

  • Policies have well-established underwriters (certain underwriters at Lloyds of London for the UK, Europe, Australia and New Zealand) and coverholders which are local to their part of the world.

  • Protection Plus will cover damage to someone else’s vehicle when hit by a policyholder, which many excess covers do not.

  • The price! As a competing insurance provider, Protection Plus is always ensuring that costs are as low as possible.


Taking out excess insurance can seem like an unnecessary cost when you are planning your holiday, but when you are in a pinch it will be a huge relief to know that you are covered. When booking your next adventure, make sure you are protected against all eventualities and set off to explore your destination with no worries weighing on your mind.