GAP insurance for a motorhome

GAP insurance is advanced protection against loss of value of the camper in the event of total loss or theft. A new camper loses up to 40% of its value during the first three years of operation. In the event of a total loss or theft of a camper, the basic insurance company pays compensation equal to the market value of the vehicle on the day of the damage, which is much less than the vehicle was worth at the time of purchase. KAMPER Gap protects this inheritance and ensures that its owner does not lose its value even for five consecutive years after purchasing the insurance, regardless of whether it is a new or used vehicle.

The likelihood of total loss or theft increases as the years go by. Additionally, the value of a car decreases with each year of use, and in the case of five years it can be reduced by more than half.

KAMPER Gap is an additional insurance that covers the difference between the market value of the car on the date of total loss or theft and its initial value. The compensation calculated by the primary insurer never covers the full value or purchase price of the vehicle. This means that KAMPER Gap pays additional funds in the amount up to the invoice price, enabling the purchase of a new camper of the same class as the lost one or easy repayment of leasing receivables.

Advantages of KAMPER Gap insurance

• Protection against the depreciation of the camper's value for up to 5 years!
• High compensation payment limit, up to PLN 150,000.
• Possibility to take out insurance up to the gross or net value of the vehicle.
• Possibility to purchase a vehicle of the same class/value as the lost vehicle.
• The compensation paid under the Gap policy may be used to repay the financing agreement due to its early termination.
• Maintaining the value of the vehicle also in the event of liquidation of the damage from the perpetrator's liability insurance.
• Possibility to conclude Gap insurance for a period longer than the leasing contract period and continue Gap protection after purchasing the leased vehicle.
• Fast and professional damage settlement!

The insurance may be concluded by a natural person, a person running a business or a legal person. It does not matter whether the camper was purchased for cash, leasing or credit.

Where to buy GAP insurance for a camper?

KAMPER Gap insurance can be purchased from the CampRest Ubezpieczenia insurance agent at ubezpieczkampera.pl . Just fill out the form available on the website, send a scan of the documents confirming the value of the camper when purchasing it and pay the insurance premium.

Decrease in value of a camper and GAP payment - example

• Invoice price of the camper: PLN 300,000
• Gap insurance for 36 months with an insurance sum of PLN 150,000
• Date of total loss: 27th month of the contract . Compensation Payment
• Value of the perpetrator's AC/OC compensation: PLN 190,000
• Gap compensation value: PLN 110,000

How much does Gap camper insurance cost?

The cost of GAP insurance for motorhomes depends on the value of the motorhome on the date of purchase. An additional factor that affects the cost of insurance is the maximum compensation limit of PLN 50,000, PLN 100,000 or PLN 150,000 selected by the client.

The insurance may be valid for three or five years, which also affects the final price of KAMPER Gap insurance.

The cost of such insurance in the example presented above was PLN 3,900 , payable as a one-off premium for a period of 3 years.

For more information about camper insurance, please visit our website ubezpieczkampera.pl , where you can purchase and evaluate various types of motor and travel insurance.