Has your insurer told you that they cannot give you European breakdown cover for your campervan or motorhome?
Not all insurers offer this type of cover. But rest assured: It is possible to get European breakdown cover for campervans and motorhomes. You just need to find an insurer who’s willing to cover you for the unique risks associated with driving abroad.
At Anthony Jones, we specialise in bespoke insurance cover for campervans and motorhomes, which can include European breakdown cover. If you’re struggling to find the cover you need for your campervan or motorhome, call us on 0208 290 9099, or email Commercial.Motor@AnthonyJones.com.
Why Don’t All Insurers Offer European Breakdown Cover for Campervans and Motorhomes?
If you’re insurers told you that they cannot cover you for your European campervan trip, you might be wondering why. It’s simply because some insurers lack the capacity to offer this sort of cover. To offer breakdown cover for the continent means liaising with overseas garages and roadside recovery services.
It means coordinating operations that might be taking place on another continent, in another time zone, and in another language. And while doing this, they’ll have to maintain contact with you, whether through an app or over the phone.
The Impact of Brexit on European Insurance Cover
All of this is simply beyond the means of some insurers. And it gets even more complex: One effect of Brexit is that any business dealings between UK companies and EU companies are a lot more complicated than they used to be. Plus, campervans and motorhomes aren’t always straightforward to repair, particularly if you’re driving an older vehicle.
Insurance is all about risk. And with all this in mind, some insurers might conclude that it’s too risky to cover campervans and motorhomes for European breakdowns.
But don’t worry. As we said, it is possible to get European breakdown cover for campervans and motorhomes. And we can help you find it!
How Does Breakdown Cover for Campervans and Motorhomes Work?
European breakdown cover for campervans and motorhomes should work exactly like it does in the UK: If your campervan or motorhome encounters a fault, you just call your breakdown provider, and they’ll sort you out.
Usually, insurers will run dedicated UK-based support centres, who you’d contact either over the phone, or via an app. They’d then liaise on your behalf with agents in whichever European country you happen to be in. They’d brief them on your problem, and these agents would then dispatch roadside recovery to offer whatever support you need.
What is Included in European Breakdown Cover?
European breakdown cover for campervans and motorhomes can include cover for:
- Mechanical breakdowns
- Electrical failures
- Theft and vandalism
- Road traffic accident
- Misfuelling and running out of fuel
- Lost keys and lockouts
The insurance can also cover the costs of things like onward travel, courtesy cars, and accommodation while you wait for repairs.
How Much Does Breakdown Cover for Campervans and Motorhomes Cost?
The price you pay for your campervan and motorhome European breakdown cover will depend on a few things:
- The vehicle you drive. Older vehicles might be more prone to breakdown, for example, and so will cost more to insure.
- The level of cover you want. Some insurers will offer a standard European breakdown package, with the option to add extras depending on your needs.
- The type of travelling you do. Do you take multiple European trips each year in your campervan or motorhome? If so, you may need an annual policy. But if you only take one trip a year, you may be able to get cover that only lasts for as long as your trip.
Because of all these factors, it’s not really possible to give an estimate of how much you should expect to pay for your campervan or motorhome European breakdown cover. It all depends on your personal circumstances.
However, if you talk to us, we can discuss your situation, and help you to find cover that meets your needs at a price you can afford.
If you’re looking for total peace of mind about European breakdown cover for your campervan or motorhome, call us on 0208 290 9099, or email Commercial.Motor@AnthonyJones.com.