The following points apply to insurance for the motorhome as well as for normal motor vehicles. Some points are so far with the insurance for the mobile home yet Not offered. So ask your insurance company whether you can save here.
Increase deductible
If you set a deductible for partial or fully comprehensive insurance, you can save up to 20% premium. Here the insurance assumes that minor damage will be borne by you. A good starting point would be a deductible for partially comprehensive insurance in the amount of € 150 and in the case of fully comprehensive insurance in the amount of € 300. If you want the maximum savings from the contribution, you can increase the deductible individually.
Winter parking space
You usually pay less if your motorhome is in a locked garage or barn over the winter instead of in a public parking lot or street. If your motorhome winters in someone else’s barn or garage, please note the landlord’s exemption from liability. If you sign this, there may be problems with compensation if the barn burns down or your motorhome is otherwise damaged. It is best to clarify in advance that there is no exemption from liability.
Pay the contribution annually
If you pay the insurance amount annually instead of monthly, you can sometimes save up to 10%. If you choose the half-yearly payment, you can usually save up to 5% on the monthly payment.
Keep the group of drivers small
The more drivers are registered with the insurance company, the more expensive it usually becomes. The spouse or life partner is usually included without a surcharge, in some cases an extreme surcharge of 100% can be charged for novice drivers.
Therefore, think carefully about who you want to drive your motorhome and who you want to register.
Realistically indicate annual mileage
The annual mileage should always be given realistically. If you have no experience of how many kilometers you should state in the insurance for your motorhome, take a defensive approach. The insurance company can easily increase the annual mileage. But remember here in good time so that your insurance cover does not expire.
Use workshop loyalty
With a workshop commitment, you can save up to 10% on the insurance for your motorhome. Here you undertake to have repairs carried out in a partner workshop of the insurance company in the event of a comprehensive damage claim.
Check in advance where the nearest partner workshop is and what reputation it has. If the nearest partner workshop is many kilometers away, it is often not worth the effort in relation to the savings.
Here you should absolutely note that the manufacturer’s guarantee can expire on new vehicles if original parts are not used for repairs. Therefore, check whether the partner workshop uses original parts and whether the manufacturer’s guarantee is retained.
If your motorhome is financed or leased, the insurance contract may not be bound by a workshop. The motorhome may only be taken to a workshop authorized by the manufacturer for repair or service.
Have the no-claims discount transferred
If someone in the family no longer needs their no-claims bonus, you can have it carried over to you. For example, this would be a part of your parents or grandparents who no longer need two insurance policies and vehicles due to retirement or you have previously driven your parents’ second car. Usually this can only be transferred within the family.
Unfortunately, there is often a limit to the SF years here. You can only transfer as many SF years as you are in possession of the driver’s license. For example, if you want to take over your parents’ 25 SF years and have only had your driver’s license for 5 years, 20 SF years will expire and you can only use SF5. Ideally, you should have your driver’s license here for several years so that the loss is minimal.
Use the telematics tariff
With the telematics option, your driving behavior is recorded and your driving behavior is assessed on the basis of this. A point system is usually used for this – the more points you have, the more savings you can make. This makes savings of up to 10% realistic. The calculation as well as the weighting of braking behavior, acceleration, cornering behavior and more is carried out individually depending on the provider.
You should be aware in advance that you are disclosing a lot of data here.
The telematics tariff is usually only worthwhile for young drivers, as this is where the savings are greatest.
Credit car sharing
If you have only used car sharing so far and did not have your own car, you can also count the usage times here. Have your car sharing provider confirm the usage times and submit them to your insurance company. Under certain circumstances, you can get in cheaper and save money.
Apply discounts from company cars
It is also possible to take over the discounts from your company vehicle. This is often worthwhile if you had a company car for many years and are now switching to a private car. Clarify in advance with the insurance company and your employer whether this is also possible for you.
Conversely, you can also overwrite the discounts from your private car to the company car and thus further increase your SF classes with use. The prerequisite here, however, is that you also remain accident-free with your company car ????
Mallorca Police
If you go on holiday abroad outside of your camping holiday and use a rental car, the insurance sum of the rental car increases to the German level with a Mallorca policy. This usually does not cost any more and is often already included. If you don’t need this, it can be left out with a clear conscience.
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