Every car owner should take into account a number of accidents that can happen. Third party liability insurance is mandatory, and AC can be a great solution to protect us from high costs. How to calculate the amount of premiums for OC and AC to pay as little as possible and have the best policy? The OC and AC insurance calculator is helpful. AC insurance, unlike third party liability insurance, is not obligatory. However, many drivers decide to take out an AC policy. Since such insurance increases the monthly premium for civil liability insurance, interested persons carefully compare the offers of insurance companies. The OC and AC insurance calculator is helpful in choosing the best offer .

How to independently calculate the amount of civil liability and motor insurance?

The European motorhome market has been invariably dominated by German and Italian companies for several decades, offering a wide selection of mobile homes - practically for every budget. The company Rimor, which has been operating for 30 years and specializes in building relatively light structures, stands out among Italian manufacturers. Up to 20% lighter than comparable competitor models. Not every caravanning enthusiast expects from his camper a living space for four people, with a well-equipped interior with a separate dining room and numerous cabinets and lockers. The basic model of the producer from sunny Italy is the Horus 30, which meets the basic requirements of every tourist.

Rimor Horus 30 - the perfect motorhome for the beginning

There are constant changes on the European caravanning market, especially in the catalogs of leading manufacturers (from Italy and Germany) fighting for a wealthy customer. Polish enthusiasts of camping relaxation know the German company Hobby - the manufacturer of many trailers available on the secondary market. The constructions, mostly from the 1980s, are suitable only for a museum of technology, at least in terms of design and equipment. We believe that the flagship model of the manufacturer across the Oder - Landhaus - has a completely different purpose. Already at the first contact with a trailer mounted on a two-axle chassis , many questions arise regarding dimensions, equipment, construction and price. Like an unlimited body, it seems to be in isolation from generally accepted aerodynamic principles . Almost vertical walls, together with the roof protruding on each side, generate huge air resistance while driving - which only increases the effort of the towing car (the Landhaus weighs nearly 2 tons ). On the other hand, regular shapes herald a huge space inside.

Hobby Landhaus

The caravanning equipment market is growing every year. Especially in countries such as Poland, from year to year more and more people decide to buy a motorhome or caravan. Producers from Western Europe, in pursuit of the demand, constantly make their catalogs more attractive. As a result, customers have a huge choice. One of the most interesting propositions for a reasonable (in Germany) price of 18,000 euros is the Knaus Sudwind Exclusive model. Similar constructions are created for families actively spending their free time, traveling around Europe and beyond at their own discretion. To facilitate maneuvering on the camping site, the trailer is mounted on a single- axle chassis - you must remember not to go inside after detaching the drawbar from the tow hook.

Knaus Sudwind Exclusive - a reasonable proposition

The vast majority of us, caravanning enthusiasts, are used to the classic approach of manufacturers to designing usable spaces of trailers. The Knaus company, presenting its single-axle model, breaks from known patterns and goes towards modern design - like architects responsible for the design of lofts. The single-axle chassis facilitates maneuvering on the camping field, which is over 7.5 meters long - with a drawbar ( 554 cm of the body's length) and a trailer. From the outside, the front stowage compartment for gas cylinders and touring accessories is striking. At the customer's request, in the Lifestyle model, the drawbar can be covered with a stylish plastic cover - while also hiding the elements of the overrun brake system. The rear part of the trailer was designed following the current trends of the automotive market - strongly marked LED lights are integrated into a prominent bumper.

Knaus Lifestyle - a caravan for families with children

The market for manufacturers of caravans and campers has been doing quite well for many years, despite the high prices of this type of equipment. Budget models of caravans provide only the necessary minimum for two or three people, in their case there is no large usable space or comfortable accessories - at a reasonably configured price we get an orbutical minimum. However, not every driver is satisfied with the Spartan conditions known from small and cheap models, some expect more than a place to sleep and a gas stove. Especially for them, trailer manufacturers offer single-axle structures that offer a surprisingly large amount of space, as well as a whole list of useful optional equipment.

FENDT Opal 560 SRF - a trailer for the more demanding

If you fondly remember old campers, and at the same time value modern amenities - Winnebago Brave may be the perfect solution. The American manufacturer tries to recreate the unique style of the late 60s and 70s - the period of the greatest popularity of caravanning, combining it with modern technology and original ideas. Winnebago offers 3 versions of the Brave motorhome - 26A , 27 B and 31C for prices from $ 96,599 to $ 121,379. They differ mainly in the floor plan, which allows you to choose a model tailored to your specific needs. Users also have an influence on the exterior of the vehicle. There are several color versions to choose from: Woodstock (white-gray), Aquarius (white-green), Bell Bottom Blue (white-blue), Mello Yellow (white-yellow) and Crimson'n Clover (white-red). In any configuration, the motorhome looks really impressive and charming at the same time. However, it is not only aesthetics that makes Winnebago Brave attractive. The Super Structure system was used in the construction of the vehicle. To create a strong and durable cab structure, it was built from steel and then laser technology connected to the chassis. Solid basics are only an introduction to the next advantages of a motorhome.

A motorhome in the style of the 60s and 70s - Winnebago Brave

Many drivers starting their adventure with caravanning decide to use the offer of the secondary market. The reason why motorists choose motorhomes that are several years old is, of course, the price . An alternative to used equipment, and at the same time a proposal for less demanding users, are models based on popular delivery vans. Among the greatest advantages of such structures, as mentioned by all manufacturers, is primarily mobility , unattainable for larger models. The relatively small size makes it very easy not only to maneuver on the campsite , but also to drive around a crowded city. One of the newest offers among budget motorhomes is Caravans International Kyros - planned for 2015 . The smallest and cheapest at the same time ( PLN 125,000 net , including VAT and transport to Poland) model in the Italian manufacturer's offer, like most similar constructions, is based on Fiat Ducato .

A motorhome based on a tinplate - Caravans International Kyros

For decades, the car has been used by enthusiasts of active recreation to implement their vacation plans. Especially delivery cars - buses - that fell into the hands of the aforementioned people, quickly turned into mobile bedrooms. Most of the major manufacturers of motorhomes, apart from a wide range of "extended" motorhomes, also offer budget - models based on "tin" buses. Among them, in my opinion, Knaus Boxstar deserves the interest of those actively resting. This basic model of the German brand, like other similar constructions, is built with the use of Fiat Ducato . Its main advantage - apart from the relatively attractive price of EUR 40,700 - is its small size . Contrary to the higher Knaus models, the Boxstar does not cause difficulties during typical city driving. What's more - it provides much better handling and lower fuel consumption .

Knaus Boxstar - functionality in a small space

Buying a new motorhome requires a thorough consideration of your options, not only in financial terms. An interesting proposition for 2015 comes from the German concern Hymer, which has a new offer of the Hymer T-Class CL motorhome. It is a suitable solution for those who would like to have a light, fast and well-equipped caravanning vehicle. Hymer T-Class CL 678 is a motorhome classified as a semi-integral motorhome. In its class, it is certainly a proposition that sets new standards. Despite its low weight (less than 3.5 tons ), the motorhome delights with its wealth of equipment and even internal capacity. Van motorhomes, which include the latest Hymera model, have a partially integrated living area with a cab and an alcove (a bed above the driver's cabin), but low enough that you can easily get through the bridge or tunnel to the desired place. In addition, this type of motorhome burns much less fuel and at the same time develops faster speed. An additional advantage of the model's dimensions is that it does not require a category C driving license, as the vehicle, thanks to its low weight, belongs to the standard category of cars.

Hymer T-Class CL - comfort in a small package

It has been known for a long time that manufacturers from Germany are the leaders in the European motorhome market. Their offer practically meets the tastes, needs and financial possibilities of every (statistical) European caravanning enthusiast. The cheapest models of motorhomes are actually only slightly modified buses, while the slightly more expensive ones are based on ready-made chassis of vans. However, according to some users, only integrated campers provide favorable conditions for rest.

Niesmann + Bischoff motorhome - Flair 920 LE

The love of traveling manifests itself in a completely different way for many people. Some, regardless of the cost, use travel agencies to fly first class to famous resorts. For other people, the approach to the subject is quite different - after all, visiting and planning a holiday according to your own ideas is no less exciting - especially when driving. When traveling through Europe, most drivers use campers or tow a trailer with usually rich equipment. Unfortunately - the mobility and functionality of such a set, especially in cities, leaves much to be desired, which provokes reflection.

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How to independently calculate the amount of civil liability and motor insurance?