Insurance for renters
Summary of the key points
- You can find out what insurance cover the camper has in the vehicle profile on MyCamper. The insurance cover comes into effect automatically as soon as your journey begins.
- The camper will have liability and comprehensive insurance cover in any case, either through Baloise insurance or through the lessor’s own vehicle insurance policy.
- Baloise insurance covers the premium increase and the deductible for the lender in the damaging event if the lender chose this option in the camper profile. You can reduce your contributions to costs (deductible) from CHF 1000 to CHF 200 per damaging event directly in the booking process.
- The lender may stipulate that vehicle interior insurance be taken out, either that or the lender will leave it to you to add this to your booking. This covers any damage to the furnishings, the interior or the roof tent.
- Breakdown assistance, in the event that the vehicle will not start or if it has been damaged, may be covered by the lessor. In this case the lessor will inform you of what to do in the event of an emergency upon handover of the vehicle. If not, you can add breakdown assistance during the booking process; this means you will then be covered by Baloise insurance.
- You may also take out additional optional insurance coverage such as cancellation insurance in case you cannot go on your trip, and luggage insurance in case you would like to insure bicycles and other valuable items.
Liability and comprehensive insurance
The Baloise insurance solution includes the following cover for rented vehicles: liability and part or comprehensive cover. In the case of a caravan, the liability insurance is to be covered by the policy for the towing vehicle. Interior insurance is compulsory for some vehicles (the lessor can decide this) and breakdown assistance is already included in the lessor’s insurance for the vehicle. As a renter, you can add to the insurance cover for the rented vehicle as needed, e.g. cancellation insurance and baggage insurance.
Deductible and liability per claim: CHF 1000
You can reduce your contributions to costs (deductible) from CHF 1000 to CHF 200 per claim directly in the booking process.
- Third party liability: Covers damage caused by you as a renter to another vehicle or property. The insurance applies as a supplement to the existing obligatory motor vehicle liability insurance.
- Comprehensive insurance: Covers damage caused by collision, fire damage, natural forces, snow slide, theft, animals, glass, vandalism (e.g. hail, falling snow, theft, collision with animals, broken glass) without interior space and without damage due to operating errors.
You can find the General Insurance Conditions (GIC) with the cover and exclusions (e.g. operating errors, operational damage, damage to tyres) here.
Report the damage to Baloise either by telephone (0800 24 80 11 and +41 58 285 28 28 in case of connection problems abroad) or via online damage report (link according to the booking details) as soon as you are back from your camping holiday (except in case of liability damage and damage that prevents you from continuing your journey).
The following documents are required by Baloise in the event of a claim:
- Rental contract (including handover protocol and, if available, confirmation of the vehicle value)
- Copy of the vehicle registration document
- Driver’s license from the handlebar
- European accident protocol (a must for liability claims)
Inform the lessor of the Baloise’s claim number. Once the damage has been reported, the landlord will take care of repairing the damage. The landlord will retain your deposit and contact you after the damage has been repaired to refund the difference, if any.
Coverage if the camper is covered by the lessor’s insurance
When contacting the insurance company, it is best to have the rental contract and handover report to hand. Here, you can find the details of the lessor and camper. Should this concern an accident involving a third party, please also have the European accident report to hand.
Inform the lessor of the insurance claim number. The lessor will have the repairs carried out once the damage has been reported. The lessor will retain the deposit and get in touch with you once the damage has been corrected and reimburse you the difference, should any funds remain.
Breakdown assistance with Baloise insurance
Baloise breakdown assistance covers costs in the event of a traffic accident, breakdown, vandalism or theft within Europe.
The following services are insured (non-exhaustive list):
- On-site breakdown service and towing – actual costs
- Standing fees (parking costs) up to CHF 250
- Recovery of the camper up to CHF 5000
- Forwarding of spare parts, if these cannot be procured on site
- Return journey of all inmates to their place of residence in Switzerland or onward journey to the original destination if the vehicle is not repaired on the same day can be. The costs are covered up to a maximum of CHF 1000 per case for the journey home or onward by public transport or for a maximum of 5 days and 500 CHF per case for a rental vehicle of the same category as the insured vehicle.
- Overnight stay, provided that the journey home or onward journey on the same day is no longer is possible or the repair is not possible within 5 days, up to 150 CHF per passenger and night, in total a maximum of 1200 CHF per case.
- Return transport of the unroadworthy vehicle to the lessor’s usual garage if it cannot be repaired within 24 hours (Switzerland) or within 5 days (abroad).
- Organisational service around the incident such as ordering a taxi, organising a rental car or return flight
The full-service package can be viewed in the terms and conditions of insurance.
Please contact the emergency helpline on +41 848 801 803 (24 h Service). Please have the following documents to hand:
- Copy of the rental contract
- Policy number (is the same as MyCamper’s booking number). You can find the booking number in the rental contract
- Original report of the incident (police report, accident report)
- Original bills and receipts
- Payment details
Breakdown assistance via the vehicle lessor
Please contact the emergency helpline of the respective insurance company. You will receive the telephone number and the roadside assistance insurance policy from the lessor. Please have the following documents to hand:
- Copy of the rental contract with information concerning the lessor and vehicle
- Policy number (you will receive this from the lessor)
- Original report of the incident (police report, accident report)
- Original bills and receipts
Vehicle interior insurance
Cancellation insurance
When booking via MyCamper, renters can add cancellation insurance. This applies to events before the start of the trip.
The following events are insured if you, as a tenant, are unable to commence your booked journey, provided that they occur after the booking has been completed (non-exhaustive list)
- Serious illness, serious accident, unemployment or death a person travelling with him, the pet of the tenant or a person travelling with him.
- Strike (subject to active participation) on the planned itinerary abroad, riots of any kind, quarantine, elementary events at the travel destination, if these specifically endanger the life and property of the insured person.
- Serious damage to the property of the insured person at his place of residence as a result of fire, natural disasters, theft or water damage, so that his presence at home is essential.
- Failure or delay – both as a result of a technical defect or personal accident – of the public transport to be used to the place where the rented vehicle is picked up.
All insured events and details can be found in the Conditions of the Baloise.
The lender must be informed immediately about the trip not taking place. The cancellation of the trip is done via the platform (go to the booking details and cancel the booking at the top right). Baloise Insurance can be informed online or via phone under +800 24 80 11 or +41 58 285 28 28 about the cancellation. The renter will need the contact information, the number of the insurance contract (the renter received it with your booking confirmation) and a detailed doctor’s certificate, a certificate of death or another official certificate.
After Baloise Insurance has checked the documents, the renter will be refunded the costs minus the price for the cancellation insurance.
In the event of cancellation, Baloise must be informed immediately. A cancellation is reported to Baloise either by telephone (0800 24 801 1 and +41 58 285 28 28 in case of connection difficulties abroad) or via online claim notification (link as per confirmation email of the camper rental). You have to report the cancellation case immediately to MyCamper and to the lender.
The following documents must be submitted to Baloise:
- Rental contract and invoices of the rental
- Medical certificate, death certificate or other official certificate
- Bank details
Baggage insurance
Baggage insurance offers cover for theft, damage and loss.
All personal items that you take with you on your trip can be insured. These may include e-bikes, surf boards, bicycles, clothes, toiletries, shoes, mobile phones, camera equipment, sports equipment and computers. The following are not covered: pets, wristwatches and pocket watches, valuables, vouchers, traveller’s cheques, transferable season tickets, jewellery and items carried for professional or commercial purposes.
Sum insured of up to CHF 10,000: deductible of CHF 50
Baggage insurance offers additional coverage to that provided by home contents insurance. At home, you are adequately insured against simple theft. Once you take your favourite items with you when you travel, such as an e-bike or bicycle, an expensive camera or golfing equipment, the level of insurance coverage provided by home contents insurance is often insufficient.
Still have questions?
Mirjam
Customer Happiness Officer
Mirjam
Customer Happiness Officer
Mirjam
Customer Happiness Officer
Mirjam
Customer Happiness Officer
