Travelling through Europe is just about one of the most exciting experiences you can have – and it’s particularly liberating if you’re doing it at your own pace in your campervan or motorhome.
Travelling through Europe is just about one of the most exciting experiences you can have – and it’s particularly liberating if you’re doing it at your own pace in your campervan or motorhome. The open road, the stunning scenery, the flexibility to explore exotic places… It’s the dream trip for many UK motorhome and campervan owners, particularly if they’ve bought a top quality vehicle from us here at Maple Leisure.
However, accidents can happen. Even in the most idyllic settings you could find yourself involved in a road traffic accident, so knowing in advance how to handle the situation effectively can make a huge difference in reducing stress and ensuring you’re protected, both legally and financially. This edition of our blog walks you through the essential steps to take if you do happen to be unfortunate enough to have an accident in your motorhome or campervan while in Europe...
The first and most important step after an accident is to remain calm. Accidents can be frightening, but staying composed will help you think clearly and take the necessary steps. Start by making sure everyone involved is safe.
A police report can be very helpful when filing an insurance claim, especially if there’s a disagreement about who was at fault. The information you provide to the police and the emergency services can be invaluable.
Once everyone is safe and any immediate concerns have been addressed, exchange information with the other driver(s) involved.
Many European countries use a standardised accident form, which is known as the European Accident Statement (Constat Amiable). This allows both parties involved to record details of the accident and agree on the circumstances.You should fill in the form carefully and accurately. If you disagree with any details provided by the other party (or parties), then do not sign the form. Keep a copy for yourself and give one to the other party. This European Accident Statement form is not an admission of guilt but simply a record of what happened. It helps insurers to process claims more efficiently.
Contact your insurance company as soon as you possibly can after the accident. Most insurance policies require you to report any incident within a specified timeframe (often within 24 to 48 hours). Provide the details from the accident statement form, along with your photographs of the scene and damage (if you were able to take any). Also provide the police report (if applicable), and the contact details of any witnesses. If your vehicle needs to be recovered or repaired, your insurer should be able to advise you on the nearest approved garage or service centre.
If the other driver is uninsured: In the awful scenario where the other driver in the accident doesn’t have an insurance policy covering them for the vehicle involved, you may still be able to claim compensation. The Motor Insurers’ Bureau (MIB) handles claims for accidents involving uninsured or untraced drivers within the European Economic Area (EEA). To make a claim through the MIB you should report the accident to the local police. Collect as much information as possible about the other driver and vehicle, then contact your insurance company and follow their guidance on making a claim through the MIB.
Local rules and insurance cover: Insurance and traffic regulations can vary between European countries. Before you set off on your trip, check your motorhome insurance covers driving in Europe and includes roadside assistance and accident recovery. If it doesn’t, ensure you get these sorted and have them in place before you set off.
If your policy includes a Green Card, carry it with you. This document proves that you’ve got valid insurance coverage in Europe (though some insurers no longer require a Green Card for travel within the EU). It's best to check the latest regulations before you go.
Language barriers and legal differences: Language problems can complicate the aftermath of an accident, through lack of understanding or misunderstanding. If you don't speak the local language, consider carrying a multilingual accident statement form, or using a translation app.
In some countries admitting fault at the scene of a vehicle accident could affect your claim - even if you’re not at fault. If you’re in any doubt, make sure you avoid making any statements regarding liability. Let your insurance company handle it.
Repairs and repatriation: If your motorhome is so badly damaged that it can’t be driven, your insurance policy may cover repatriation (in other words, they may cover the cost and logistics for returning your motorhome to the UK). Alternatively, your insurer might arrange for it to be repaired locally. You should ensure you ask your insurance company the following questions so that you’re clear.
Making a claim: When you get back home, contact your insurer to finalise the claim. You should provide all of the necessary documents, so that things can be expedited in a timely fashion. Make sure you provide the European Accident Statement, any photos and videos of the accident, the police report (if available), plus any repair estimates and invoices. Most insurers aim to settle claims within a few weeks, but in cases that are particularly complex things may take a fair bit longer.
An accident abroad in your motorhome or campervan can be a stressful and unsettling experience. Knowing how to handle it correctly can make all the difference. As ever, preparation is key - so make sure you’ve got the right insurance coverage, that you carry a European Accident Statement, and that you familiarise yourself with local road rules before you set off. If you follow these steps, you should be in a very strong position to deal with mishaps quickly. Fingers crossed for you not needing this blog at all! Safe travels from all of us here at Maple Leisure!