Insurance Explained

As soon as you become the owner of a motorhome or campervan in Europe, you must insure it so that any damage, loss or liability is fully covered.

You are free to use any insurer you wish but we have a great working relationship with AXA, Europe’s largest insurer via a local agent. The agent fully understands our business and in fact, they handle the insurance of every vehicle we have registered through our overseas buyer scheme.

In order to take out insurance, the agent must provide a quote and for this, they require full details of the vehicle (make, model, age, value etc.) a copy of the driving licences and passports of the owner(s) as well as any evidence of any insurance you hold on any other vehicle elsewhere.

If you can provide evidence of existing insurance and your claims history, you may be entitled to an introductory discount of up to 50%.

As a guideline a ‘fully comprehensive’ policy for a driver in their 50’s with a clean driving record, based on a vehicle value of €40000, the annual cost is likely to be around €700.

Insurance can be arranged on several levels

Fully Comprehensive (called “Toutes Risques” in France):

  • This covers the vehicle against all eventualities including damage, fire or theft, regardless of who is responsible. It covers all third party legal liability too.

Third Party, Fire and Theft (called “Tiers, Vol et Incendie” in France):

  • This level covers only any damage you do to other people’s property plus cover for the vehicle in case of fire or theft only. It covers all third party liability but there is no cover if you damage your own vehicle.

In each case, there are limits to the amount the insurance will pay and standard excesses (or deductibles) which you would pay in case of a claim.

The highest likely excess (deductible) is usually around €450 in the event of damage to the vehicle but there is no deductible for third party claims. Where the driver is particularly young, the excess may be increased.

We always advise clients to take the Fully Comprehensive cover because the cost is only a little higher but the cover is much greater. It may seem like an attractive saving when you pay the annual premium but third party only cover could cost you a great deal more in the case of a major claim.

The vehicle must be insured year round and it is not possible to reduce the cover when the vehicle is off the road i.e. in storage – no insurer offers this option in France.

Under French insurance law, a vehicle is covered for ANY licenced drivers, regardless of age. Therefore, if you want to lend the motorhome to a friend or family, provided they are entitled to drive if France and comply with the terms of your insurance (e.g. age restrictions), they are insured too.

However, normal insurance policies specifically forbid “renting” the vehicle to anyone else so it is not possible to charge other users for the use of your vehicle.

Geographical limits

The insurance allows you to use the vehicle with the same level of cover in all of the following countries:

Boznia Hurzogovinia
Czech Republic
Great Britain

For further information about insurance in foreign countries and to see a map of countries which are covered, please visit

For cover in any non-listed country, you may need to apply for additional cover and pay an additional premium. Some non-EU countries offer insurance which can be bought at the entry border for a fixed amount but beware – this may only be a very basic legal cover and may not cover damage to your own vehicle.

Roadside Assistance

All French insurance policies are legally required to include a basic level of Roadside Assistance cover.

This is intended to safeguard against the possibilities of your vehicle being stranded on the roadside in a dangerous position and you not being able to afford the towing charges.

The roadside assistance cover pays for towing charges to take you and your vehicle to a recognised repairer or, if possible, to repair the fault at the roadside. The insurance also provides cover to deal with punctures at the roadside or at an appropriate garage close by.

In the case of AXA (the company we recommend most commonly) there is an International helpline which can be called from any country to summon the roadside assistance service.

Mechanical breakdown insurance

All motorhomes or campervans up to two years old are covered by the manufacturer’s warranty which applies in all EU countries. The warranty can be extended for a further two years at additional cost (depending on the age/mileage of the vehicle).

It is also possible to insure a used vehicle against mechanical breakdown (in the event of engine failure for example) through an “after-market” insurance scheme. The cost varies depending on the age of the vehicle but as an example, to insure a three year old vehicle for a major mechanical failure (say up to €6000 per claim) costs approximately €300 per year.

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

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””


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

I’d buy from them again in a heartbeat

“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

“Euro Camping Cars is an excellent organization to be associated with”

Eurocampingcars is an excellent organization to be associated with

“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 ““Euro Camping Cars is an excellent organization to be associated with””

Arthur and Janis

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