The PaulCamper insurance

The PaulCamper insurance

Every trip booked through PaulCamper is covered by fully comprehensive insurance.

Every campervan and motorhome rented through PaulCamper is insured – either through our insurance company, Allianz Insurance plc, or the insurance provided by the owner’s rental company. The insurance premium is already included in your rental price. The insurance coverage comes into effect automatically as soon as you start your trip and have paid the rental fee. If you cause any damage to or with the camper during the rental period, our fully comprehensive insurance package will protect you. You only pay the respective excess amount per damage claim.

Scope of insurance

The insurance coverage includes in any case:

Fully comprehensive insurance: Covers damage to the camper in case of accidents caused by the renter, accidental damage, fire, theft and malicious damage
Third party insurance: Covers damage caused to others by accidents, including property damage and personal injury.
Protection cover: 24-hour breakdown assistance throughout Europe in the event of a breakdown or accident, including breakdown assistance.
You can find the insurance details for each camper on the description page and also in the booking process.

You can rent a campervan if you

are a UK resident or an Non-UK Resident with an EU License,
at least 25 years old and not over 75 years,
have been in possession of a valid driving licence for at least 2 years (the date of issue of the class relevant to the campervan of your driving licence card is decisive here),
use a means of payment in your name (e.g. transfer from your own current account),
are OK with PaulCamper carrying out a driving licence check (full check including validation of convictions and disqualifications:
• Full UK/EEA/Australian/New Zealand licence – minimum 2 years
• No major convictions in past 5 years (ie – no convictions coded AC, BA, CD10-90, DD, DR, IN,
LC30-50, MS40-90, UT)
• No driving ban
• No more than 2 minor convictions in past 3 years
• No more than 6 penalty points in past 4 years
• Accident history: 25 to 75-year-olds – no more than two accidents in past three years,
have no history of bankruptcy & no County Court Judgements (CCJ’s) within the last 3 years with a stability of residential address for past 24 months,
• Acceptable trades/occupations only (excluding hire & reward i.e. taxi & courier use, sports persons, modelling, entertainment industry.

Some owners set stricter or looser limits for age and driving licence possession for their campers or limit the travel area to certain European countries. You can find the respective rental requirements for each camper on the profile.

Please note: For any planned trips outside of the UK for a period of 50 days or more, please reach out to [email protected]

In case of damage

If you sustain damage to or have an accident in the camper during the rental, then we are at your side:

Emergency assistance in case of a breakdown is provided by the 24-hour breakdown hotline of the insurance company; you will find the phone number on your handover report, or it will be provided to you by the owner.
Contact the owner; small damages are often easiest to settle directly;
The insurance company will help you with the settlement; you will find the telephone number on your handover report;
We help you with questions about insurance coverage.

Exact insurance conditions

The insurance details are displayed on the respective info page of the campervan under “Rental requirements” and additionally in the booking process.

In the case of campervans from owners with their own self-drive hire insurance, the insurance is provided by the owners themselves.

For private vehicles, the special conditions of our fleet contracts with Allianz Insurance plc apply. Learn more about the Allianz conditions here.

Any motorhome rented through PaulCamper must be insured and have breakdown cover – either through our insurance company partner, Allianz Insurance plc, and our breakdown cover partner The AA, or the rental insurance including breakdown cover provided by the owner.

Insurance coverage

We value a fully comprehensive protection for all our campervans. Insurance coverage must include for all vehicles in all cases:

Fully comprehensive insurance: Covers damage to the camper in case of accidents caused by the renter, accidental damage, fire, theft and malicious damage
Third party insurance: Covers damage caused to others by accidents, including property damage and personal injury.
Protection cover: 24-hour breakdown assistance throughout Europe in the event of a breakdown or accident, including breakdown assistance or towing costs, recovery, onward or return journey in the event of vehicle breakdown.

Renting out your privately owned vehicle with our flexible rental insurance

This is ideal for entry-level and occasional rentals. We have developed a special PaulCamper flexible rental insurance with Allianz Insurance plc and it works very simply: We automatically activate our rental insurance cover on a daily basis for the rental period. Your private car insurance does not have to be re-registered, it remains for the basic coverage.

Requirements

You can rent out your campervan with our flexible rental insurance by Allianz if you

are a UK resident,
are holding a private retail insurance policy on the vehicle being rented out,
at least 25 years old,
have no history of bankruptcy & no County Court Judgements (CCJ’s) within the last 3 years.

And your campervan/motorhome is
privately owned or just one vehicle on platform if company owned,
registered in UK, and registered in your name,
less than 20 years old,
no greater than 3.5T GVW,
Has a max value of £75,000,
Has confirmation of MOT (Ministry of Transport vehicle worthiness certificate) where required
Has UK vehicle registration document in your name,
Has no previous total loss or outstanding finance. If previous total loss history is discovered by Allianz claims team, no cover will be provided for any accidental damage, fire or theft losses.

Learn more about the exact Allianz terms and conditions.

Renting out your vehicle with your own self-drive hire insurance

For commercial rental you need a special self-drive hire insurance for your camper. This has a higher annual premium than a camper insurance for private use, because it covers the entire use also during the rental.

As a commercial renter, you can take out any self-drive hire insurance yourself. You provide the insurance to the renter – you pay the premium and calculate it into your rental price yourself. Your insurance coverage is stored in your camper profile and displayed for renters on the respective camper page and additionally in the booking process.

As a prerequisite for renting out with PaulCamper, your self-drive hire insurance must have at least the following coverage: Fully comprehensive coverage including third-party liability insurance, as well as a Europe-wide breakdown assistance with a 24-hour helpline including services for your renter to travel home in case of vehicle damage.

Our support team will be happy to help you with any questions regarding the conditions.