Liability is not an optional insurance when you use the public roads in a vehicle, and all states require you to carry at least this basic coverage in the event of an accident.
Liability insurance can be divided into two main groups, bodily injury or property damage.
These basic insurance packages cover most eventualities, any injury arising to a third party following an accident or incident, and any damage which may befall a third parties physical property.
Say for instance you’ve hit a parked car, dinged a fence or caused damage to another person's van. This is when your liability insurance kicks in and takes over the cost associated with indemnification. Using our nation's public roads without liability cover is not only unadvisable, it is dangerous and has the potential to cost a lot more money than coverage ever would.
Imagine your van has been damaged on the road. Whether the fault lies with you, another driver or an unforeseen event, liability insurance will not cover the cost of repair.
An insurance policy which covers comprehensive and collision damage is required in this instance.
Parked under a tree and a branch damages your roof or windows? Windscreen damage from roadworks, body work bumps and dents from errant parking and any number of other incidents that can and do occur are covered by a comprehensive policy. Van lifers should definitely invest in fully comprehensive and collision coverage in addition to the liability insurance detailed above.
Full Time Van Life Insurance
Van life insurance policies are like a cross between vehicle insurance and homeowners and contents insurance. As your belongings are stored in your van, they are uniquely at risk of collision in a way that belongings stored in a house are not.
Hitting the road without adequate insurance cover for your equipment is taking a risk that may end up disproportionately expensive, and who needs those kinds of worries when you’re on an epic road trip!
You should be ordinarily resident in your vehicle for at least 6 months of the year to qualify for a fulltime personal van life insurance policy. It is imperative that you check your coverage quotes to ensure the insurance on offer is adequate for your circumstances. Different RV class types and whether the vehicle is towed or driven can make a huge difference in your quote and in your premium.
DID YOU KNOW?
Roamly is designed with full time van lifers in mind, to cover the eventualities of life on the road. They provide tailored insurance coverage to ensure your considerations are met. Getting a quote is quick and easy as the company understands your nomadic requirements most. In addition to free quotes, excellent service and thorough comprehensive policies, you can save up to 25% off the competition's premiums!