aa travel insurance and breakdown cover

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Annual Travel Insurance from AA Ireland

Aa travel insurance features and benefits, annual multi trip.

Get cover before, during and after your holiday the whole year.

Cancellation Cover

Cover up to €6,000 for any lost travel and accommodation costs if cancelling your trip is unavoidable

Medical Cover

Emergency medical and repatriation cover up to €10,000,000

Baggage Cover

If your baggage is delayed for more than 12 hours we cover you for up to €300 (€50 per day)

Winter Sports Cover

Covers a wide array of winter sports activities including skiing and snowboarding

Choosing Your Travel Insurance

We hope your holiday goes to plan but take out a travel insurance policy with us so we can be there if something does go wrong.

Our holiday insurance covers everything from lost luggage to treatment for accident or injury. No matter how often or how long you plan to be away, we have the cover for you.

Multi-trip Travel Insurance

If you’re one of those lucky people planning more than one trip in the next year, we’re very jealous, but we should also let you know that AA Annual Travel Insurance is the best option. It covers you before, during and after your holiday.

Single Trip Travel Insurance

If you’re only planning one trip this year, our Single Trip Travel Insurance is specifically tailored for any one trip, up to 60 days in length.

Backpacker Travel Insurance

Whether you’re planning a gap year or just some time to get away from it all, our Backpacker Travel Insurance is specifically tailored to cover trips up to 365 days in length.

Compare Holiday Insurance Cover

AA offers three levels of cover; Value, Essential and Extra. If you’re looking for cheap holiday insurance covering just the basics then our Value Travel Insurance is for you. Our Essential Travel Insurance has all the basics but with a higher level of cover, while the Extra Travel Insurance provides our most comprehensive cover.

We’ve got you covered. We’ve done up a comparison of each of our policies here .

AA Members get more

We take particular pride in looking after our AA Members. That’s why AA Members get extra benefits when they buy an AA Extra Travel Insurance Policy. If you’re an AA Member at the time you take out Annual Travel Insurance, as well as the usual benefits, you can enjoy unlimited medical cover and no excess on any claim.

Whether you’re hitting the Blue Run or braving the Black Run, it’s important to make sure you have AA Winter Sports Cover on your Essential or Extra Travel Insurance policy. As well as the great benefits of AA Travel Insurance, adding Winter Sports covers you for things like your ski pass, lessons and equipment.

Make sure to add it to your Travel Insurance policy when you get a quote.

European Breakdown Cover

Imagine the panic when you’re driving through the French countryside, with the kids in the back and a boot full of luggage and the car dies. You can always rely on the AA to help you out, just make sure you’re covered.

With AA European Breakdown Cover, local garages across our European road network will be on standby should you experience any bumps on the road.

Car Hire Excess Cover

When you rent a car, it usually includes insurance but it’s worth noting that if the car is damaged or stolen an excess would still need to be paid. Reducing this excess will add a considerable cost to your car rental and can often come as a surprise when you get to the rental desk. For a small price, AA Car Hire Excess can be included in your AA Travel Insurance policy and will cover your excess costs in the event of a claim.

Making a Claim

Hopefully your holiday will go by without a hitch but if you need us we’re always here. To make a claim simply call claims assistance on 01 431 1204 from Ireland or +353 143 11204 if you are outside of Ireland, and quote AA Travel Insurance. Our claims team is available 24 hours a day, 365 days a year. To find out more about claims and what you should do in the event of an accident click on the link below.

Policy Booklets

Who doesn’t love reading about insurance? If you’re looking for more information, this is where you’ll find a list of all AA Travel Insurance policy booklets.

Travel Insurance Cover Summary

Not interested in reading all the policy booklets? This is where you will find a chart summarising what our policies cover and the benefits of AA Travel Insurance.

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Cover for your overseas adventures

Even when you’re in the early planning stages of your trip, it’s important to consider taking out travel insurance. That’s because AA Travel Insurance policies can cover for cancellation and loss of deposits before you even go. So if something happens in the lead-up to your trip, we can be there to help you. With International Travel Insurance, you’ll be supported 24/7 no matter where you are in the world, with help just a phone call away.

Our three plans -  Essentials, Comprehensive, and  Frequent Traveller, have been designed with flexibility in mind, and provide different benefits and limits. Click here for an instant online quote. 

Get a quote

Cover for some COVID-related situations^

All plans include some cover for epidemic and pandemic diseases, like COVID-19, in some situations:

• If you're diagnosed with the disease after you purchase your policy and can't go on your trip or have to go home early
• If you’re quarantined or put into self-isolation by the NZ Government because you’re suspected of having been exposed to the disease and can’t go or continue on your trip
• If you’re denied boarding on any scheduled public transport service based on the suspicion that you have the disease.

^The policy still has a general exclusion for epidemics and pandemics and does not cover disinclination to travel due to fear or change of mind. Cover is only provided if you have not commenced your journey against the New Zealand Government’s advice not to travel. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population.

Terms, conditions, limits, sub-limits and exclusions apply and these are set out in the Policy Wording. Please refer to the  Policy Wording  for full details.

Cover Options

The Essentials plan has been designed for those who only need limited travel insurance cover.

Comprehensive

The Comprehensive plan provides the highest level of cover, offering all the benefits under the Essentials plan and more.

Frequent Flyer

Designed for those who travel regularly, the Frequent Flyer plan can cover all trips taken during a 12-month period (up to 60 days duration per trip)

Business Cover

Cover for you when the main intention of your trip is for business purposes.

Offers additional business benefits.

Compare plans

^Sub-limits apply.

This table is a summary only. For all of these benefits, p lease make sure you read the  Policy Wording  to understand the definitions, terms, conditions, limits and exclusions that apply.

AA International Travel Insurance Benefits

10% discount for aa members*.

AA Members can receive a discount on all policies. Simply provide your valid AA Membership number on application.

24/7 Emergency Assistance

With AA Travel Insurance, you’ll have access to the Allianz 24/7 Emergency Assistance Team. A single call will put you in touch with a specialist who will be able to help you.

Cover for pre-existing medical conditions

Under the Comprehensive plan, you can apply to get your pre-existing medical conditions covered. If accepted, this can give you that extra peace of mind during your holiday.

Cover for missed connections or travel delays

If you miss connections or have any travel delays because of unexpected situations, you will be able to claim up to the maximum benefit limit based on your policy type. This includes additional hotel and travel costs.

All plans include selected cover for epidemic and pandemic diseases, like COVID-19 in some situations:

• If you're diagnosed with the disease and you can't go on your trip or have to go home early
• If you’re quarantined or put into self-isolation by the NZ Government if you’re suspected of having been exposed to the disease

Cover before you depart

Your trip is protected from unforeseen cancellation and loss of deposits the moment your cover is confirmed.

For all of these benefits, please make sure you read the Policy Wording to understand the benefit limits, terms or exclusions that apply.

^The policy still has a general exclusion for epidemics and pandemics, and does not cover disinclination to travel due to fear or change of mind. Cover is only provided if you have not commenced your journey against the New Zealand Government’s advice not to travel. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. Please refer to the Policy Wording for full details.

^Terms, conditions, limits, sub-limits and exclusions apply and these are stated in the Policy Wording . Customers considering the purchase of a travel insurance policy should read the Policy Wording to check what is and isn’t covered.

Have a question?

Our friendly New Zealand-based team are here to help. Give us a call anytime from 8:30am to 5pm Monday to Friday, or pop into one of our AA Centres to speak to a consultant.

Call: 0800 630 115

Frequently asked questions

What countries does my selected cover^ for epidemic and pandemic diseases (including Covid-19) cover?

All countries that do not appear on the Level 4 warning “Do not travel” advisory listed on SafeTravel.

SafeTravel houses all warnings inclusive of non-Covid-19 advisories which are issued by the Ministry of Foreign Affairs and Trade (MFAT).

If I contract Covid-19 prior to travelling do I have selected cover^ for epidemic and pandemic diseases?

Cover is in place, providing that the country you are travelling to does not have a MFAT, SafeTravel or New Zealand Government Level 4 warning “Do not travel” in place.

If I contract Covid-19 in transit to my destination country do I have selected cover^ for epidemic and pandemic diseases?

Cover is in place, providing that the countries you are travelling to do not have a MFAT, SafeTravel or New Zealand Government Level 4 warning “Do not travel” in place.

Does selected cover^ for epidemic and pandemic diseases still apply if I am unvaccinated?

Cover is in place as there is no requirement to be vaccinated/boosted under our policy. However, if the destination country requires an inbound traveller to be vaccinated, then the traveller must be able to meet these entry requirements. This also applies to the condition of carriage for example of the airline they are travelling. There is no cover if denied boarding or entry to a country due to not meeting the carrier or country vaccination requirements.

Are there any mandatory epidemic and pandemic insurance requirements to enter certain countries?

Many countries, even before the pandemic, had compulsory health and travel insurance requirements, but many more have since added rules – typically around Covid-19 medical expenses and the associated costs. The coverage type and amount varies by vaccination status and country.  Prior to travelling, check with the nearest embassy, consulate or immigration department of the destination.

If I had Covid-19, should I declare this as a Pre-existing Medical Condition?

At the time of purchasing your policy if you have previously had Covid-19 and are now testing negative, are feeling well with no symptoms at all, then you do not need to declare this as a Pre-existing Medical Condition. A Covid-19 positive test result at a later date would be considered a new infection.

However, if you are:

• still testing positive; or
• still displaying Covid-19 signs and symptoms; or
• have been diagnosed with 'long Covid';

and you wish to have cover, you need to disclose the condition as a Pre-existing Medical Condition and an additional premium may be payable.

Our insurance partner

AA Travel Insurance policies are brought to you by the New Zealand Automobile Association Incorporated (AA), are issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) ("Hollard"). You should consider the  Policy Wording  before making any decisions about this insurance policy. Terms, conditions, limits, sub-limits and exclusions apply.

Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the  Financial Strength Rating .

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

More information

Contact us Policy Wording Make a claim Terms and conditions AA Traveller Member Benefits

*AA Members can receive a 10% discount on AA Travel Insurance. Simply provide each traveller’s valid AA Membership number on application. Discount applies to AA Member cover premium, including any additional pre-existing cover, but does not apply to additional cover for high value items.

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• AA Breakdown Cover

Packaged Bank Account AA Breakdown Family Cover

Different levels of AA Breakdown cover for Packaged Bank Accounts customers.

About AA Breakdown Family Cover as part of Packaged Bank Accounts

AA Breakdown Family Cover is just one of the insurance benefits that come with a  Packaged Bank Account  with us. If you have a  Select ,  Silver ,  Gold ,  Platinum , or  Premier  Account with us, subject to eligibility you will have a certain level of Breakdown Cover available to you and eligible family members (different accounts have different levels; see below for details).

If you've broken down

Simply call the number of your account:

• Select Account:  0800 328 8700
• Silver Account:  0800 316 0096
• Gold Account:  0800 107 0011
• Platinum Account:  0800 783 0543
• Premier Account:  0800 032 0371

For account holders, you will be asked for your membership number. This is your sort code and account number. You will need to show your Visa debit card when your AA patrol arrives.

Family members will need to provide the account holder's full name, address and postcode. They will need to show a form of identification when the AA patrol arrives.

What levels of Breakdown Family Cover are available?

Breakdown Family Cover comes with certain services and levels. These may include:

• Roadside Assistance: At the roadside if a vehicle you or your eligible family members are travelling in has broken down. If the vehicle can’t be fixed at the roadside, you or your eligible family member will be taken to the AA’s choice of relevant local repairer or local destination of choice, provided it is no further.
• At Home: If you or your eligible family member’s vehicle does not start within a quarter of a mile of your home address.
• National Recovery: If the vehicle cannot be fixed at the roadside, the AA will provide recovery for the covered person and up to seven passengers to any single location of your choice in the UK.
• Onward Travel: If a repair on the vehicle isn’t possible, you or your eligible family members will get a replacement hire car for up to 72 hours, overnight accommodation, or reasonable onward travel expenses.

Breakdown Family Cover inclusions by account

Tip: use the scroll bar below to slide between the different accounts..

• Family Cover
• Roadside Assistance
• Available to new customers
• National Recovery

Select Account

• Unavailable to new customers

Gold Account

Premier account.

• Onward Travel

Emergencies and phone numbers you can call expandable section

If you’ve a hearing or speech impairment

You can contact the AA via:

• AA SMS service:  07900 444 999

If you want any other help or information

Feel free to call us if you have any questions about your account.

• Select Account: 0345 716 1116
• Silver Account: 0345 603 1839
• Gold Account: 0345 850 5056
• Platinum Account: 0345 850 5300
• Premier Account: 0345 604 0440

Lines are open 24/7.  Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

Policy documents expandable section

• Select Account Welcome Pack opens in a new tab (pdf, 412.1 KB)
• Silver Account Welcome Pack opens in a new tab (pdf, 2.1 MB)
• Gold Account Welcome Pack opens in a new tab (pdf, 1.3 MB)
• Platinum Account Welcome Pack opens in a new tab (pdf, 2.6 MB)
• Premier Account Welcome Pack opens in a new tab (pdf, 1.4 MB)

Packaged Bank Account benefits

Explore the other benefits of a Packaged Bank Account. Our Silver & Platinum Accounts include Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel insurance

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Help and guidance  Useful guides on how to use our secure Mobile Banking app and Internet Banking services

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We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

Breakdown cover

• AA breakdown cover

40% off breakdown cover with the UK’s number 1

Breakdown cover from £7.50 a month

We get to more motorists in 30 minutes than the other major breakdown cover providers*

† More dedicated mobile mechanics than any other UK breakdown service **

Electric and hybrid vehicles covered at no extra cost

AA breakdown cover from £7.50 a month

With our starting level of breakdown cover you’ll get Roadside Assistance , which is 24/7 support from a trained patrol if your car, van or motorbike breaks down more than 1/4 mile from your home.

• If we can’t fix the fault at the roadside, our vehicle recovery service will take you to a nearby garage – it’s that simple
• Get unlimited callouts, as long as it’s not for a recurring problem with your vehicle***
• You can also add optional extras such as At Home, which gives you cover right up to your doorstep

Get personal or vehicle AA breakdown cover

Cover for you

Personal breakdown cover for you as a driver or passenger in any vehicle – including cars, vans, motorbikes and electric vehicles (EVs).

Cover for two people

Joint breakdown cover for you and someone you live with, as drivers or passengers in any vehicle.

Family cover

Breakdown cover for you and up to 3 other people you live with, as drivers or passengers in any vehicle.

Vehicle cover

Breakdown cover for one vehicle, whoever’s behind the wheel.

Build your perfect AA breakdown cover policy

With us, you’ll get Roadside Assistance as standard. And you can easily add more features with our optional extras:

If your vehicle won’t start or breaks down within 1/4 mile of your home. This extends our Roadside Assistance cover straight to your door.

National Recovery

If you break down and we can’t fix your vehicle at the roadside. We’ll take you, your vehicle and up to 7 passengers to any single UK destination.

Onward travel

If you break down and need repairs that stop your journey. We’ll help with alternative transport or an overnight hotel stay.

 Parts and Garage Cover

If you need repairs or work done at a garage after calling us out for a breakdown. We’ll cover costs up to £535.

The AA travel tools

Ready to go on your travels? Use the AA travel tools to help you get where you want to go. Plan your route, get traffic news and calculate your mileage, including the fuel prices along the way using the tools below.

AA breakdown cover advice

• European breakdown cover

The AA European breakdown cover ensures driving in Europe is never a worry – if your vehicle breaks down we’ll help. We give you unique access to over 60,000 repairers and recovery operators in 44 countries across Europe.

24/7 English-speaking helpline

5-star rated by Defaqto

On average customers save around £650 in repair and recovery

What we offer

We offer up to £50,000 in legal costs, £1,500 for alternative travel and £500 for emergency hotel costs. Optional Parts and Labour Cover for up to £500 helps with garage and repair bills.

• AA Members get 10% off
• Recovery of your vehicle back to the UK
• Single-trip or annual multi-trip cover
• Country zones to help you choose the right level of cover

The AA breakdown cover

4.2/5 star reviews on Trustpilot

Accurate on 02/11/2023

AA European Breakdown Cover

Cover you can rely on.

We’ll cover you from the moment you leave home, to the moment you get back – whether you’re driving in France, Ireland or up to 44 countries across the continent.

Cover for all vehicles

We cover vehicles of any age including cars, vans, motorcycles, campervans and caravans. We even cover towing behind.

Cover alternative accommodation 

We offer alternative accommodation and travel arrangements, recovery of your vehicle back to the UK, and up to £50,000 in legal costs.

Don’t forget to purchase your cover before you travel abroad. Otherwise, it won’t be valid.

If you’re travelling in the next few days, note down your policy number and download your terms and conditions document when you buy your cover.

If you already have European cover , call 24/7 on 0044 (0) 121 336 6289

AA breakdown cover Europe

AA breakdown cover on social media

Get the latest updates from the AA about their breakdown cover in the UK and EU by following their social media feeds below.

Frequently asked questions

Yes, you can call AA for roadside assistance even if you are not a member.

AA will come to your rescue, and if you are already a member, you can report a breakdown and pinpoint your location through their app.

In case you buy a new vehicle, there is no need to take any immediate action. You can choose to add your new car to your existing AA membership or buy a new membership for that vehicle.

The AA provides 24/7 roadside assistance for breakdowns that are over a quarter-mile away from your home.

If they can’t fix your vehicle on the spot, they’ll tow it to a nearby garage. They offer unlimited call-outs and also provide Accident Assist to support you in case of an accident.

The AA stands for the Automobile Association , which was established in June 1905 by a group of driving enthusiasts in London who wanted fair treatment for motorists. The organisation’s purpose remains the same today.

To call AA for roadside assistance, you can dial 03330 046 046 , and they will come to rescue you on the same day.

Yes, you can call the AA for advice on various issues such as diagnosing car faults and symptoms, and getting information on service schedules, including when to change the cam belt to avoid future breakdowns.

Yes, you can call the AA for assistance if a warning light comes on while driving.

The recommended steps are to pull over when it’s safe to do so, turn off the engine, and contact AA to report the breakdown so that one of their patrols can help diagnose and resolve the issue.

You can call the AA out for various reasons if your car breaks down, such as a flat battery or tyre.

AA’s breakdown service will send a mechanic to the roadside or even your home to try to fix the problem. If they can’t fix the car on the spot, they’ll tow it to a garage for repairs.

Yes, the AA will come to your house if you add the At Home service to your policy.

They will provide assistance if your car breaks down at home, and aim to reach you in under an hour or at a time that is convenient for you.

Yes, you can join the AA and use its services immediately.

The cover will start from the date you choose, which can be up to 60 days from the date of purchase. If you choose the current date, the cover will start after 24 hours.

However, you can only claim for Parts and Garage Cover for breakdowns that happen after the first 14 days of your cover.

The average wait time for roadside recovery is 40-60 minutes . We fix 4 out of 5 cars at the roadside – with repairs taking less than 30 minutes on average.

With AA breakdown cover , you can make unlimited call-outs for a breakdown each year, as long as it’s not a recurring issue with your vehicle . This means you can call them out as many times as you need to without any extra charges.

The AA’s Basic Breakdown Cover is intended to provide assistance to a customer in case their vehicle breaks down once in a 12-month period, for one vehicle that is more than a quarter-mile away from their home address.

If AA cannot repair the vehicle, they will recover it to a local repairer.

If you frequently travel long distances, then AA breakdown cover is a worthwhile option as it provides peace of mind knowing that you and your vehicle can receive roadside assistance anywhere, even if you’re far away from home or your return location.

We cover 44 European countries and give you the option to choose from 3 geographical zones. So you only pay for the cover you need – whether you’re making a quick hop across the Channel or planning a pan-European adventure.

Zone 1: Includes France and Germany Andorra, Belgium, France, Germany, Luxembourg, Monaco, Netherlands, Republic of Ireland.

Zone 2: Includes Spain and Italy Andorra, Austria, Belgium, France, Germany, Gibraltar, Italy, Liechtenstein, Luxembourg, Monaco, Netherlands, Portugal, Republic of Ireland, San Marino, Spain (exc. Ceuta & Melilla), Switzerland, Vatican City.

Zone 3: Includes Switzerland and Romania Albania, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Mediterranean islands (European. exc. Canary Islands), Monaco, Montenegro, Netherlands, Norway, Poland, Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Turkey in Europe (plus Uskudar), Ukraine, Vatican City.

All Zones If you purchase “All Zones” you’ll be covered in all countries in Zones 1, 2 and 3.

European breakdown cover does not include the Channel Islands or Isle of Man unless you are passing through these locations on your way to Europe.

In such cases, they are only covered when travelling between your home and the seaport. For visiting the Channel Islands or Isle of Man, you will need UK breakdown cover .

• Defaqto 5-star rated cover
• Unlimited overall claim limit (per trip with annual cover)
• Full roadside assistance
• Up to £1,500 for alternative travel and up to £500 for emergency hotel costs
• We’ll help you reach your destination or get you and your car back home
• Hire car before, during and after your trip to keep you on the move
• Option to add Parts and Labour to your policy – get help with garage and repair bills, up to £500 (you can claim up to 3 times in your policy year with annual cover)
• European Breakdown Cover is available for Annual, Single Trip and Single Trip Group policies.

Before you travel, make sure to call 0800 107 6220 and tell us the new number plate.

We cover cars, light vans, campervans, motor caravans, minibuses, caravans, trailers and motorcycles (over 200cc) provided they meet the following restrictions:

• Maximum vehicle weight: 3.5 tonnes (3500 kgs) gross vehicle laden weight
• Maximum vehicle length: 7m (23 ft)
• Maximum vehicle width: 2.3m (7ft 6in)
• Maximum vehicle height: 3m (9ft 10in)

Vehicles must :

• Have a current MOT certificate (if required)
• Be taxed (not SORNed)
• Have valid insurance for driving overseas
• Be used for private purposes only

If you’re broken down now but don’t have cover with us, we may be able to help.

Call us on 0044 (0)121 336 6289 – we’ll provide a quote for one-off breakdown assistance . It’ll likely cost more than our regular cover.

Just so you know, this is for 1 single call-out only and you won’t be covered afterwards.

Silver or Gold UK AA Members can get a discount on European Breakdown Cover by calling the AA before they travel.

They can either receive 1 or 2 free days of European Breakdown Cover or up to 10% off an Annual European Breakdown Cover .

However, free days are limited to a maximum of 3 times per year, and the annual discount can only be used once per year within the UK membership policy.

UK AA Silver or Gold Members can add European Breakdown Cover to their membership either for 1 or 2 free days or by getting up to 10% off the Annual European Breakdown Cover .

They must call the AA on 0800 072 3279 before travelling to use this benefit.

AA car insurance policyholders can drive in the EU and some other European countries with the same level of cover as they have in the UK for up to 90 days during the 12 months of their policy.

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Drivers urged to 'carefully check the small print' when on the road or risk £10,000 insurance charge

WATCH: Stephen Dixon gives top tip for slashing car insurance

By Hemma Visavadia

Published: 19/04/2024

Updated: 19/04/2024

Motorhome insurance should also cover costs of vehicle being written off

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Experts are urging drivers to make sure they have the correct insurance before travelling abroad or they could face huge charges.

As the summer approaches, motorhome owners and campervan owners need to ensure their vehicle has significant insurance cover to allow them to drive in the EU, as without this, they can risk hefty fines.

While some owners may have a comprehensive policy, some insurers don’t cover as extensively for travel abroad with drivers urged to check their cover before hitting the road.

Insurance should not only include costs of a collision or damage to another vehicle, but also cover damage or even total write-off costs to the motorhome itself.

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Motorhomes must have at least third party insurance to travel across Europe

Owners must manually extend their policy to include comprehensive cover for damage sustained abroad with drivers warned to not assume it is included.

The average cost of a new motorhome in the UK is around £60,000, but the average cost of a motorhome damage claim is roughly £10,150.

Dan Dawson, underwriting manager at Ripe Motorhome Insurance, said: “For motorhome and campervan owners, confusion around this particular policy detail is all too common – and it can be financially devastating in the event of an accident.

“Many of us will be excited to take a well-earned break this year but discovering that your policy doesn’t adequately cover you for damage can be very upsetting.”

Dawson warned that comprehensive doesn’t always mean comprehensive, which can leave motorhome owners stranded and paying for damage themselves.

He added: “We would therefore urge all motorhome and campervan owners to carefully check the small print of their documents or reach out to their provider for clarity.”

Before travelling abroad with a motorhome, drivers must register commercial trailers over 750kg and all trailers over 3,500kg gross weight before towing them through some European countries.

Depending on which country is travelled to, drivers may be required to get a separate green for motorhomes and anything towed by a motorised vehicle, including caravans and trailers.

These cards are usually issued by the vehicle insurer for a small fee to cover administration costs but drivers should double-check the rules and whether the policy covers this before travelling.

From September 2021, motorhomes alongside other vehicles are required to display a UK sticker on vehicles.

As for insurance cover, drivers are encouraged to check they are protected for breakdown roadside assistance, vehicle and passenger repatriation, continuation of holiday travel or accommodation.

Drivers should also have extensive medical cover and ski cover if they are going to mountainous areas for an adventure holiday.

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Motorhomes generally cost around £60,000

According to the Caravan Club, motorhome insurance can provide cover towards the cost of repairs or replacements if a motorhome is damaged in an accident, fire or is stolen.

It detailed: “It must always provide cover for your legal liability towards third parties, so you're covered if you have an accident causing damage or injury to any other person, vehicle, animal or property.

“Third-party insurance is a minimum legal requirement if you have a motorhome that is being stored or used on the road.”

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RV Rental Insurance: Why You Need it And What It Covers | Money

R enting a recreational vehicle remains popular, not least due to the trends to higher hotel costs and lower gas prices compared with the pandemic levels for both expenses. (Gas prices really count for RVs, since they can travel as little as 4 miles on a gallon of gas, according to rental site RVShare.)

But before you get the keys to one of these hotel-rooms-on-wheels, be aware that RV rental insurance can be more complicated – and a lot pricier – to get than coverage for a rental car. Insurance can add upwards of $20 per day to your RV rental costs if you find you aren’t covered by your car insurance at home. And some strategies to eliminate or reduce the cost of insurance for rental cars don’t work for rental RVs; for example, it’s very unlikely you can rely on free coverage through using a particular credit card.

Here’s what you need to know about insuring your mobile home-away-from-home, including tips on finding and buying from the best RV insurance companies.

Table of Contents

• How does RV rental insurance work?
• What does RV rental insurance cover?
• How to get RV rental insurance
• What to consider before choosing RV rental insurance
• What is the average cost of RV rental insurance?
• 5 tips for finding the right RV rental insurance
• What are the best RV rental insurance companies?
• Frequently asked questions
• How we chose the best RV rental insurance

How does RV Rental Insurance Work?

Like rental car insurance, RV rental insurance offers temporary insurance coverage while driving an RV, camper van or travel trailer. You can buy RV insurance through your RV rental company if your regular auto insurance doesn’t already cover it, at least in part.

Some rental companies let you choose your level of coverage. They then bundle the cost of your insurance policy with your daily rental cost, so you don’t have to worry about making multiple payments.

Because RVs are generally larger and come with more hazards than standard cars, comprehensive coverage is typically more expensive for these vehicles than for a rental car —$70 per day or more, in some cases. Still, renting a small RV is one of the cheapest ways to take a road trip , so that extra insurance cost may be well worth it in the long run.

What does RV Rental Insurance Cover?

RV rental insurance policies cover physical damage to the vehicle while you’re renting it. They also cover your liability if you get into an accident while driving — meaning you won’t have to pay out of pocket for damage caused to another driver’s vehicle. Here’s an overview of what to expect from your RV insurance coverage:

Basic liability coverage is required whenever you rent a car or RV. Each state has its own minimum liability coverage requirements, so you’ll need at least the amount of coverage required in the state where you rent your RV.

The most basic coverage could leave you vulnerable

The most basic RV insurance, whether added by the RV agency or bought by you, generally provides only the state minimum levels of liability. Those levels likely offer less protection than your auto insurance policy and less than experts such as Consumer Reports and the Insurance Information Institute recommend.

An RV has more components that you could damage than a typical car. If you pay for comprehensive coverage on top of collision and liability protection, confirm that it will cover you for, say, fire and smoke damage should you start a fire with the RV’s stove.

To avoid being underinsured, consider increasing the liability you carry on the RV, despite the additional cost. Moving up from the state minimums to a more-than-ample $1,000,000 in liability costs an extra $14.95 a day with MBA Insurance. RVshare’s basic coverage is included in its rentals but only to state liability minimums of up to $100,000, according to the insurer’s website. Stepping up to the Preferred package triples the liability coverage to $300,000 (an amount many experts recommend) but requires you to pay an additional $21 and up a day in premiums.

Your home insurance should cover your personal possessions

As when renting a car, the items you bring from home to the RV should be protected by your homeowners or renters insurance . So you should be made whole if items are stolen or damaged while in the vehicle.

Some caveats do apply to such protection under your home insurance. For starters, the same deductible — likely of $500 or more — applies just as it would as for any other claim under your policy. That means you’ll get little or nothing back unless the value of what’s stolen is substantial.

Also, keep in mind that as with a claim for a loss at home, making a claim for personal items lost during an RV rental could risk an increase in your home insurance premium when you renew. Also, you might face limits on the coverage of valuable items such as jewelry under your home policy, unless you’ve added extra-cost policy “floaters” or “endorsements” for those items.

You can also protect yourself by buying a stand-alone travel insurance policy, which will cover theft of your belongings together with other perils, such as trip cancellation due to accident or illness. A policy typically costs 5% to 12% of the trip’s cost, according to travel expert Rick Steves. He recommends considering if you really require coverage and, if so, making sure that the policy you buy covers your most valuable possessions.

How to get RV Rental Insurance

There are a few different ways to get RV rental insurance: through the rental company, through your auto insurance company or through a third-party insurer. Here’s what’s involved with each.

1. Through the rental company

If you aren’t covered by your own car insurance, you can buy a policy for the RV as an add-on during the rental process. Chances are you will rent your RV from either a commercial rental business or through sharing sites such as RVshare or Outdoorsy. Either way, if you lack your own insurance, you will likely be offered it as part of the transaction. Rental platforms like RVshare can bundle your insurance cost with the daily cost of your rental.

2. Through your auto insurance provider

Before you buy an RV insurance policy from your rental company, check that you aren’t already covered by your auto insurance. Car renters benefit from their auto insurer extending much of the same coverage to the cars they rent as to the vehicles they own. While not all companies allow such coverage for an RV, it’s worth a call to your insurance company to find out.

Even companies that allow it may not do so in all states or for especially long rentals — say, of more than a month. Companies that generally extend coverage include USAA, according to a spokesperson, and State Farm, which allows coverage of an RV in most states under your auto insurance for up to 30 days with no advance notice required, according to public affairs senior specialist Anna Bryant.

However, you should confirm that your collision coverage will extend to the full value of the RV, which will very likely be more than the value of your own car. State Farm is among the insurers that offer this extension, says Bryant. “We understand there may be times we could end up settling a claim on a rented vehicle for more than we would for an owned vehicle.”

3. Through a third-party insurance provider

Some agencies and sharing sites simply arrange to send their renters over to an RV insurance company with whom they contract, such as MBA Insurance. There, the renter selects and pays for the level of coverage they want.

If you’re renting your RV from an individual RV owner on Outdoorsy or another site, they might offer temporary coverage and roadside assistance through a platform like Roamly, which covers the renter and owner together.

What to consider before choosing RV Rental Insurance

Before you start shopping for RV insurance, here are a few important considerations to keep in mind.

1. Insurance requirements

Ensure you’re clear on the insurance requirements in the state in which you’re renting the RV. These requirements might be different from those in your home state. The basic insurance plan offered by your RV rental company should meet local bodily injury liability and property damage liability requirements.

2. The value of the RV

If you get into an accident and your insurance coverage is lower than the cost of damages to your RV, you might be liable to pay the difference. That’s why it’s essential to know your vehicle’s value and insure yourself accordingly.

If you’re renting a pop-up trailer or fifth wheel, the value of your rental is probably lower than a Class C RV or camper van. Talk to your rental company about the value of your RV before committing to a plan.

3. Deductibles

Along with choosing your level of coverage, you must select your deductible. A higher deductible can sometimes mean a lower premium. However, you will have to pay that higher amount in case of an accident, so you shouldn’t consider a low deductible as an easy way to cut costs without giving through to how much you could actually afford to pay if the worst were to happen.

4. Additional coverage options

Your RV rental company or third-party insurer might offer additional coverage options, such as towing and labor, roadside assistance, glass replacement and more. Additional coverage isn’t required to rent your RV, but it might provide more peace of mind as you set out on your road trip.

What is the average cost of RV Rental Insurance?

On average, RV rental insurance costs between $15 and $30 per day, but it could be many times higher than that, depending on the extent of coverage and the value of your RV.

Factors that affect RV insurance cost

Determining the cost of your RV insurance policy are a number of considerations, including:

• The type of RV (Class A, B or C, or a travel trailer). Class A motorhomes generally have the highest insurance premiums, while a policy on a tent trailer or fifth wheel is generally more affordable.
• The age of the RV
• State minimum liability requirements
• Your driving record
• Any add-on coverage you choose
• The deductible you select

5 tips for finding the right RV Rental Insurance

You can’t skip the need for insurance if you’re renting an RV. But you can take some time to compare your options and ensure you’re getting the best coverage for your trip, experience and budget.

1. Check with your auto insurer first

Before you buy an insurance policy from your RV rental company, check with your auto insurer. Chances are high that you’re covered under your normal auto insurance, although the odds drop significantly if you’re renting a larger RV (that weighs more than 12,000 lbs) or for a period of 30 days or more. Your insurance company might also offer additional temporary coverage for the length of your trip.

2. Know the value of your RV

Even if you haven’t picked out the exact RV you want to rent, you should know your vehicle’s class and estimated value before you start comparing policies.

3. Consider your priorities

If you need to pay for coverage, are you prepared to pay a higher deductible for a lower premium? What add-on coverage, if any, do you want for your trip? Review your options and ensure you know the type of coverage you’re looking for before requesting a quote.

4. Get quotes from multiple providers

Whether you’re buying insurance from a rental company or a third-party provider, ask for an insurance quote before you buy your policy. Comparing quotes can help you get the best deal for the coverage you’re looking for.

5. Make sure your personal possessions are covered by your home insurance

Adequate coverage is about more than the RV itself. Check whether your homeowners or renters insurance provider will cover loss or damage to your personal items while you’re on the road.

What are the Best RV Rental Insurance Companies?

Plenty of companies that offer auto, home and travel insurance also offer RV rental insurance. Here’s a quick breakdown of three popular RV insurance providers.

Keep in mind that these are third-party providers. You should compare quotes from these companies with your rental company’s policy to make sure you’re getting the best deal.

• Nationwide: Multiple discount options available, optional towing coverage, and the option to bundle with your auto or renters insurance
• Progressive: Flexible deductibles, offers accident forgiveness, optional roof malfunction and pet injury coverage
• Good Sam: RV-specific insurance agency that’s ideal for full-time RVers

RV Rental Insurance FAQs

Is rv rental insurance necessary, what are the requirements for rv rental insurance, are there any restrictions on the type of rv that can be insured, does rv insurance typically provide coverage in other countries, how we chose the best rv rental insurance.

To narrow down the best companies for RV rental insurance, we looked for a few crucial features and then compared quotes.

We first looked at each provider’s available coverage options. Great RV rental insurance providers offer a wide range of policy options. Choosing your coverage level and deductible allows you to customize your policy to fit your budget and vacation.

We also considered the customer service track record of each insurance provider. Nationwide, Progressive and Good Sam are all insurance companies that, according to customer reviews, have an easy claims filing process. All offer a free quote before you buy your policy.

When choosing a provider for RV rental insurance, make sure to do your homework so as to get coverage that meets your needs.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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The 2024 Irish House Insurance Landscape: A Comprehensive Guide to Home Protection Rates

Published 18th April 2024 Read Time 6 min

In addition to offering financial protection against unanticipated circumstances home insurance also offers peace of mind. It is the silent protector of domestic tranquillity. Every year the price of this insurance varies leaving many homeowners unsure of what is fair and what is too expensive in their area. In Ireland as 2024 progresses the average cost of home insurance reflects a combination of factors related to property personal risk profiles and economic conditions. With the help of this comprehensive analysis you as the homeowner should be able to protect your house without going over budget.

Understanding the Significance of Home Insurance Ireland

It’s vital to emphasize the importance of home insurance before getting into the numbers. The weather in Ireland, a busy island nation, is notoriously erratic and unpredictable. Natural disasters pose a constant challenge to residential buildings ranging from strong coastal storms to moist conditions that lead to mildew growth. The typical home is extremely vulnerable to dangers such as fire burglary and many others.

As a safeguard against severe financial hardship that may arise from such incidents home insurance kicks in. Homeowners can rest easy knowing that their houses are safe from disasters when they have a comprehensive policy in place. However, how much does this assurance cost and what conditions must be met?.

Key Influences on Home Insurance Premiums

Home insurance Ireland rates are not set in stone, rather they are carefully determined by taking into account a number of essential factors related to both the homeowners circumstances and the property. To calculate the premium insurers, evaluate the degree of risk involved in covering a property. Important influences consist of:

Type of Home

Your home’s age and architecture are important. Because of the potential risks associated with outdated systems older structures may be more expensive. The quote you receive may also vary depending on the materials used in the construction.

Property Location

More than anything else location determines the degree of risk. Is the location of your house near a known burglary hotspot or prone to flooding? Each of these factors is given a vulnerability score and your premium is changed appropriately.

Personal Circumstances

Important factors are your credit score and claims history. Your rates may increase if you have a recent history of large-scale claims or if your credit score isn’t the best. However lowering your risk profile can be achieved by adopting preventative measures like installing a home security system.

Strategies to Manage and Reduce Your Home Insurance Costs

The good news is that insurance companies don’t have complete control over you. You can use the following techniques to control or even lower the cost of your home insurance :

Shop Around

Never accept the first estimate you are given. Comparing at least three quotes can be enlightening as different insurance companies offer different deals.

Bundle Your Policies

Think about using the same insurance company to insure your vehicles and other assets. Insurance discounts known as the multi-line discount are frequently obtained by bundling policies.

Increase Your Excess

Lower premiums may result from choosing a larger excess but you must be ready to cover the increased out-of-pocket expenses in the event that you need to file a claim.

Maintain Good Security

Putting money into security features for your home like CCTV alarms and locks can lower your premium by a lot and lower the risk.

Professional Advice on Procuring the Right Coverage

Expert financial advisors can offer customized advice on how to get the best house insurance policy . They’ll evaluate your complete financial portfolio to find coverage that fits both your needs and your budget. The correct balance between being over- and under-insured is ensured by wise advice from these experts.

Assessing Your Home Insurance Needs

The last phase is introspection. It’s important to assess where you are now and where you want your coverage to be whether you live in a high-crime or flood-prone area, renovated your kitchen or made investments in risk mitigation. The Irish home insurance market for 2024 sheds light on all these factors which should help you make an informed decision when buying a policy. 

Understanding the cost dynamics in your area is essential to managing the financial security of your property. Home insurance is a fundamental aspect of responsible homeownership. You can reasonably protect your home at a reasonable cost by taking charge of the variables that are within your control and getting knowledgeable advice for those that aren’t. Recall that insurance protects not only against loss but also the invaluable feeling of home in the unpredictably changing world.

Homeowners can potentially lower premiums by taking proactive steps like improving home security and reducing risks in addition to investigating coverage options and customizing policies to meet their needs. Eventually thorough study, honest dialogue with insurers and a proactive strategy for protecting one’s most precious asset the home itself are the keys to finding peace of mind.

Published 18th April 2024

By The AA Social Team

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