comment bien protect your vehicle and your passengers


Indoor equipment for television or computer screens that can be integrated with warranty. Quick photo.

La pratique du camping-car extends to new categories of amateurs who are not necessarily familiar with the subtilités de l’assurance specific to that mode of leisure. On the other hand, insurance is commercialized through a multitude of channels: companies, mutual funds, courtiers, associations…

Pas facile de s’y finder d’autant que le monde de l’assurance n’est pas des plus simples à aborder, with ses garanties multiples and variables, ses contracts à options… Et les contrats ont tendance à se assemblea. Parmi les oferte, find l’assurance au tiers, le tiers étendu and la couverture tous risques, avec des variations en termes de garanties.

A specific insurance

The different contrasts between those proposed for traditional vehicles, car les remboursements acordés s’avèreront plus important and the protection of personal effects and vehicle equipment is plus important. The specificity for the camper also imposes certain restrictions.

According to les assureurs, la vitesse sur autoroute can be limited and a minimum age required (25 years and 3 years of license). This security excludes young drivers from office and allows to reduce the risk statistics of accidents linked to inexperience.

Camping-cars exceptionals must be subject to a thorough study of the insurance part and the warranty adapter.  Photo B. Jouvin

Camping-cars exceptionnelle must be subject to a thorough study of the insurance part and warranty adapter. Photo B. Jouvin

Which interlocuteur do you choose?

You can interroger l’assureure of your véhicule de tourisme et verify that the company offers what type of guarantees; you can also you tourner vers les mutualelles comme la Matmut, qui couvre également les gros camping-cars sous réserve d’une étude pousée sau la MFA, dont la couverture intervient dans la zone de pays inscrit sur la carte verte européenne.

Some courtiers are recognized in the world of camping cars such as AMV, FGP assurances, Quattro… Among the associations, the FFCC (Fédération française des campeurs, caravaniers et camping-caristes) has a partnership offer with the insurer Allianz: the equipment guarantee is unlimited and includes in the declared value of the camping-car, assistance élargie à la prize en charge de taxes dounières exigibles par certains pays and up to 50% of the value à neuf du véhicule, SOS crevaison, bris de glace sans franchise, assurance au personalized kilometer etc. .

In the houses of a haut de gamme motorhome, such as the Sprinter porteur on the Oberaigner 6x6 chassis, it is important to check that the insured amount corresponds to the value of the materials.  Photo 3C Cartier.

In the houses of a haut de gamme motorhome, such as the Sprinter porteur on the Oberaigner 6×6 chassis, it is important to check that the insured amount corresponds to the value of the materials. Photo 3C Cartier.

Les points à controller dans son devis

Quelques points méritent votre attention when l’assureure vous a établi le devis; à faire avant de vous engage, obviously. Check the precise list of what is covered (véhicule, bris de glace étendu ou non, équipements divers, content du camping-car, zones géographiques concerned ou exclues, etc.), but also:

  • to guarantee damages,
  • le level de la garantie assistance dépannage (0 km, reimbursement ceiling…)
  • les extensions possibles à selecta according to real needs
  • modulations of guarantees depending on the use of the vehicle (selon le nombre de kilometros etualité parcouru, son stationement étattuido hors déplacements, etc.)
  • l’assistance et ses composantes (vehicles, repatriation, aide juridique, etc.)
  • less franchises
  • the repayment period at the value of the vehicle when new…

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