Motorhome Holidays in the USA
 
Vehicle Insurance
 
• This is included in the rental rates
• It covers 'insured' damages to the rented motorhome
• The renter is responsible for any damage to the rented vehicle in the first instance until any third party responsibility is established
• The renter is always liable for an excess
• Some rental companies offer additional insurance options (VIP) that reduce the level of the excess
 
Public Liability Insurance
• Included in the rental rates
• Covers 'insured' damage caused to third parties and their property
• The total amount of insurance provided ('sum insured') differs for the rental vehicle and the driver
• The statutory limit (i.e. of the state in which you are driving at the time) dictates the sum insured for the driver, which is often very low
• Most rental companies offer an additional insurance option (SLI) in order to increase the sum insured per driver while others include the SLI in the base rental rates. In the case of Cruise America the SLI insurance supplement is already included in the rental rates, giving you up to US$ 1 million public liability cover at no extra charge.
• The health and wellbeing of passengers is not covered by the rental insurance
 
Click here for more indepth USA insurance information