Campervan Insurance Options - A Guide for Quirky Owners
As the van owner, when renting out with Quirky Campers you are responsible for making sure your campervan and your customers are adequately insured. Quirky Campers do not provide insurance for owners and cannot set up insurance on behalf of owners. However, we can recommend several insurance companies to assist you in getting the right cover. We have created the below guide to support you in your decision-making and will do our best to help find the best option for you:
Insurance Costs for Customers
Quirky Camper’s bookings all come with insurance included in the cost of the rental. For customers, this means no hidden booking fees. For owners, this means the base rate for your campervan will be inclusive of the cost to cover the insurance. Owners cannot charge customers separately for insurance and customers cannot use their own insurance for hire.
Insurance Options for Hiring Out Your Campervan
Due to the nature of hiring out a campervan privately, you need specialist insurance cover. This can only be purchased from certain providers. Quirky Campers have been in contact with multiple insurance providers and have found the following options which best fit the booking conditions customers agree to when booking through the website.
Types of Insurance Required for Renting Out Your Campervan
1. Annual SDH cover (Inclusive of Breakdown Assistance)
OR
2. SDP + Daily SDH + Breakdown Assistance
1. Self Drive Hire (SDH) Annual Policy
Annual Self-Drive Hire insurance provides cover for you and all your future customers renting out your campervan. The annual policy must also include breakdown assistance, which is usually added as an optional add-on by the insurer.
If you do not want to commit to an annual policy, you can you can purchase daily SDH insurance (ie. pay per hire) with Alan Boswell. Please see below for more details:
2. Social Domestic & Pleasure (SD&P) + Daily Insurance + Breakdown Assistance
If you do not want to purchase an annual SDH policy, you can also purchase daily insurance to cover your customers, which can be taken out alongside your standard campervan insurance (SD&P policy).
Daily SDH is an excellent option in your first season. However, it does require extra admin. Daily SDH cover must be arranged and bought by the van owner before each hire.
If you decide to opt for this, you will need to make sure that your SD&P policy provider allows you to take out Daily SDH and rent out your campervan, we have included details of insurers we are aware of who allow this in the comparison table below.
Insurance Options Comparison:
|
|
Annual SDH |
Annual SDH |
SD&P + Daily Hire |
|---|---|---|---|
|
Insurance offered by |
Alan Boswell |
Sterling |
Alan Boswell, Adrian Flux (SDP) |
|
Insurance Provided |
Self Drive Hire - Annual |
Self Drive Hire - Annual |
Self-Drive Hire - Daily add-on |
|
Cost |
£1400.00 to £3000.00 (Annual) |
No set pricing |
Daily SDH charge (per booking not per day): £10 – starting 1st Nov
|
|
Cover for You? |
Yes - Plus four named drivers |
Yes |
No - SD&P also required |
|
Covers Vehicle when on Hire? |
Yes - Unlimited Hires |
Yes - With limit on the number of hires |
Yes - Pay Per Hire |
|
UK & EU Breakdown Add-on? |
Yes |
Yes |
Yes |
|
Public Liability Add-on? |
Yes |
No |
Yes |
|
Paperwork |
Minimal |
Minimal |
Extra admin required - must contact insurer to set up insurance for each booking |
|
Hirer age restrictions? |
Hirers must be between 23-75 |
Hirers must be between 25-75 |
Hirers must be between 23-75 |
|
Excess |
Dependent on vehicle age and value |
Dependent on vehicle age and value |
Dependent on vehicle age and value |
|
Extra Charges |
No |
No |
Yes - £30.00 late charge for booking requested within 24 hours |
* Rates vary depending on vehicle value, postcode, parking and named driver history
Policy Price Factors
For BOTH SD&P and SDH Premiums will be higher than the figures quoted above if any of the following apply:
- Campervan is located in ‘higher risk’ postcodes certain postcode EG. London, Manchester or Birmingham
- Value of the vehicle
- You have multiple penalty points
- You are younger than 25
- You have less than 2 years driving experience
Breakdown Cover Options
Van owners must have Breakdown cover to rent out via Quirky Campers, breakdown cover is also included in a customer's booking cost.
|
Breakdown Cover |
Alan Boswell SDH Breakdown Cover |
RAC Business Cover |
|---|---|---|
|
Breakdown Provider |
Call Assist |
RAC |
|
Cost |
£185.00 Annual |
£190 per year or £19 per month |
|
Annual or Monthly? |
Annual |
Annual or Monthly |
|
Covers You? |
Yes, and 4 named drivers |
Yes, and named drivers |
|
Covers Hirers? |
Yes |
Yes |
|
Restrictions |
Only available alongside Alan Boswell SDH annual policy |
Available alongside Alan Boswell Daily SDH and SD&P policies |
|
Exceptions |
N/A |
Requires extra paperwork for each hire. Does not cover vans over 3.5 tonnes or over 7.5m in length that require a C1 license. |
Contact details:
Alan Boswell Insurance Brokers Ltd
Call - 01603 915110Visit - https://www.alanboswell.com/
Sterling Campervan Insurance
Call - 01279 719429
Email - quirkycampers@sterlinginsurance.com
Adrian Flux - Campervan Insurance
Call - 0800 085 9459Visit - https://www.adrianflux.co.uk/
RAC Business Breakdown
Call - 0808 588 1903Visit - https://www.racbusinessclub.co.uk/register/breakdown/
If you have any queries about any of the above, please don't hesitate to get in touch.