A quick guide to RV Insurance
4 June 2019
Your RV is more than just a vehicle, it’s part of your dream lifestyle and has probably been customised for your own tastes and requirements. That’s part of the thrill of owning an RV.
Why a specialist policy is better
At Star Camper Care, we know that everyone’s RV is unique and special to them. This is why your policy includes cover for all your RV’s fixtures and fittings as well as the vehicle itself, and your personal touches can be included, especially if you’ve got something out of the ordinary. We include additional benefits specially designed for RV’s including: park cancellation fees, cleaning costs after break-in, emergency accommodation & cover for up to $3,000 of personal contents (which can be increased if required).
Agreed Value / Market Value?
The first question on most people’s minds when it comes to insurance is how much will I be paid in a total loss? The good news is that Camper Care will offer Agreed Value for 5 years to anyone who purchases a brand new motorhome from a licensed dealer, and Agreed Value for 3 years for second-hand vehicles purchased from a licensed dealer. Once that initial 5 or 3 year period is up, simply get an updated valuation and we can agree the insurance value again. RVs purchased privately are covered on a Market Value basis, however if you get a valuation from a licensed motorhome/caravan dealer then Agreed Value cover can be provided.
Who signs the cheques?
Star CamperCare is NZ-owned and operated with a 100% New Zealand-based team who handle everything from quoting & writing the policy to assessing damage and paying the claims. This means you’re only dealing with one company for the whole process. You can talk to us anytime by calling 0800 965 965 or you can discuss our policies with an IBANZ approved Broker.
What does RV insurance cost?
We take into account the value, age and use of your vehicle to provide a competitive premium. Previous driving and claims history will also be a factor. Quotes can be provided with a number of excess options and insurance is also available if you plan to live in your RV full time or if it is permanently sited (the wheels must remain on). Government GST and Fire Service Levies are added to the cost of insurance, and the Fire levy is higher for vehicles over 3.5ton.
Part of the Community
Star CamperCare is a big part of the RV community. We visit a lot of events and support complementary organisations and have partnerships with others. We also support the Attainable Trust charity (www.attainabletrust.org.nz) with financial assistance and a vehicle for their use.
Change to Pay monthly Insurance and pay by direct debit or credit card
Sometimes paying an annual your insurance policy in one hit is too much of a drain on your finances. Which is why we also offer monthly insurance where payments made monthly via credit card or direct debit - breaking your insurance costs into a regular monthly amount.
You won’t save on your premiums paying this way, but spreading out your payments is one way to manage your finances, and we’re more than happy for you to choose this insurance product option.
We want you to enjoy the Star treatment whichever way possible. If you’d like to change to monthly insurance prefer to pay this way, call us on 0800 250 600 and we’ll make the changes for you.