Insurance Explained

What type of vehicle insurance do you need in Europe?

By law, all vehicles must be insured when in use in France or Europe.  There are three levels of insurance to choose from if you take out cover with a French insurer:

“TIER” (third party liability cover) – where only damage to others/their property as a result of an accident is covered.  This is the minimum legal level you can buy before driving your motorhome on public roads.

“TIER, VOL et INCENDIE” (third party liability, theft and fire cover) – covers damage to others/their property plus the theft of or fire damage to your vehicle.

“TOUT RISQUES” (fully comprehensive cover) – covers the same as “Tier, Vol et Incendie” and also accidental damage to your vehicle.

All insurance policies in France carry a “FRANCHISE” (a deductible or excess which you must pay in the event of a claim),  typically from €200 upwards.  Choosing a higher Franchise may help to reduce the annual premium and some companies will offer an introductory discount to drivers with a proven good claims record, even if the claims record has been earned in a foreign country.

Insurance policies issued in France cover the vehicle to be used in all European Union countries (and some outside of the EU) but it is essential to check which countries are covered before setting off. It may be possible to add additional countries to the list by negotiation with your chosen insurer.

It is also worth noting that all vehicle insurance policies include a basic level of breakdown insurance automatically but this is often restricted to cover whilst in France only. There are many enhanced options available which offer greater protection in the event of breakdown or emergency whilst on the road outside of France which can be purchased independently.

Unlike some countries, France still has “High Street” insurance agents (who typically represent just one insurer) as well as many internet based companies offering cover. If you have time and speak French, it is worth checking out the options on offer from several companies as premiums and inclusions do vary.  However, if you don’t speak French or simply want reliable cover at a reasonable price, we are happy to put you in touch with our local Axa agent who insurers our private vehicles and has helped many of our clients to take out campervan insurance for Europe wide trips.  Whilst he does not speak much English, our local agent is very sympathetic to English speakers and as we know the company well, we can help to ensure you provide all the paperwork needed to obtain the right cover.

To read about the cost of annual insurance cover for your RV trip and the other likely costs of campervan ownership, get in touch and tell us about your plans and we will give you access to the password protected area of our website where you can see this and a great deal of other useful information.

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“Eurocampingcars is an excellent organization to be associated with”

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“We bought a used campervan from Phill and Hannah in early 2013 and have gone back to Europe once or twice a year for two or three months each year since then and toured Europe in the van. We store our van with Phill and Hannah when we are not using it and we get… Read more ““Eurocampingcars is an excellent organization to be associated with””

Arthur and Janis

“Your support was more than we could have hoped for”

Free place to stay in your campervan in Scandanavia

“Throughout our journey, the support given by you and your team at Euro Camping Cars has been amazing. We feel we won the jackpot when we decided to buy our motorhome through your business. Your support when we needed to return to Australia for family emergencies was more than we could have hoped for. During… Read more ““Your support was more than we could have hoped for””

Beth and Graham

“I’d buy from them again in a heartbeat”

Well let me reassure you. Phill is the most helpful, reliable, honest and down to earth person you will ever deal with. We bought an ex hire van and when we arrived to collect it everything was 100% checked, clean and ready to travel. We were going to do the overseas owners scheme but as… Read more ““I’d buy from them again in a heartbeat””