As some of us prepare to finally hit the road and start to enjoy some freedom again, many of us just want to know that our RV is insured for damage or total loss should the worst occur whilst we’re travelling. That’s the core premise of RV insurance; the financial support to have damage repaired, or to make sure the payout you receive if it’s not repairable is enough to get you back into a similar position.

But not all RV insurance policies are the same and it pays to take the time to understand exactly what you’re getting for the premium you pay.

More than ever now with what many will feel to be “newfound” freedom, it’s easy to get caught up in the moment and feel excited about the next journey or adventure. Many of us will think “it will never happen to me”, and why shouldn’t they? The last thing you want to think about is having the right insurance coverage. The idea pales in comparison to planning the route for your next adventure!

Unfortunately, “things” happen when we least expect it or we want them to. I’m not referring to a traffic collision or collecting an errant branch and damaging your roof mounted air conditioner or solar panels, or even theft. This stuff is in the realm of a basic comprehensive policy and of course, our policy offers coverage for each of those items and more.

We often hear stories about people suffering a serious illness or medical event whilst on their travels. A totally unexpected situation, where a treating physician has advised them that are unable to continue their journey. Most often, they are also far from home, in a foreign place, with no family support in the area and no idea what to do next. What would you do if you found yourself in that situation? Its worth pondering that for a moment.

One of the benefits I am most proud of in our offering is our Medical Emergency Assistance, an automatic inclusion in every Recreation Vehicle policy we offer. This benefit responds where a treating physician advises you that following a totally unexpected serious sickness or disease that you or a family member travelling with you is unable to continue the journey.

Our Medical Emergency Assistance benefit has a generous $10,000 limit that can go towards the following costs:

(a) Transport you and your family to your permanent residence along with your RV, where ongoing medical care can be obtained;(b) Allow a nominated person to be transported and accompany you if you are travelling alone and the treating physician advises that the relevant sickness or disease prevents you from being transported alone;(c) Allow a nominated person to be transported to the RV site and the transportation costs thereafter in returning your RV back to the usual place of residence;(d) Transportation in economy class on a regularly scheduled commercial airline, or if airline transportation is not available or suitable, in economy class in any other appropriate means of transport

How you would cover these costs if you didn’t have access to this benefit?

Over the coming issues of The Big Lap I will be talking more about what makes our policy different, like I said not all policies are equal!

Keen to hear your comments below.

Safe Travels ....

Con