Motorhome Insurance

First things first

First establish exactly how you intend to use your motor home. Do you only wish to tour within the UK or are you going to venture into Europe? Ask yourself the question, do you have European cover? However, even if it is included in your policy check how many consecutive days’ protection is given for European touring per year. The length of time will differ between motorhome insurance providers so read the policy details carefully. Generally, European cover means that you are insured for accidents on the road and for break downs and repairs whilst touring Europe. Most policies will, when necessary, cover the costs of transporting you to your chosen destination and reimburse you for part or even all of the cost of hotel accommodation should the repairs prove lengthy.

What’s covered?

Another important feature to check is whether or not the policy pays out ‘new for old’. If it does this will mean that you will be entitled to replacement items at current prices in the event of a loss. Some motorhome insurance policies will also replace your motorhome with a brand new one if it is stolen and not recovered or damaged beyond repair. Be aware that there are often limitations on new for old cover so it is essential that you consult your insurer rather than leave anything to chance.

By its very nature, touring in a motorhome entails taking a great deal of belongings with you wherever you go. Therefore it is essential that you check the contents of your motorhome insurance policy are properly covered within your policy details. The cost of internal items such as clothing, bedding and electrical appliances as well as external equipment such as awnings, gas bottles and bicycles all add up and can prove expensive to replace if stolen or damaged. The majority of motorhome insurance policies will include contents insurance for these items but they will usually have a limit as to how much they are prepared to pay out per claim.

Personal accident insurance is another element of a motorhome insurance policy to check out as this could include legal and medical expenses if you were involved in an accident. This feature is similar to that which is included in car insurance policies. Again, there would usually be an upper limit set on the amount the insurance policy would pay out in the event of a claim, so this also needs clarifying.

Ways to save on your premium

Fortunately, there are several ways in which you can help reduce the cost of motorhome insurance. For instance, the less vulnerable your motorhome or motorcaravan is to thieves, the cheaper the premium should be. Installing devices such as a burglar alarm, steering wheel lock, wheel clamps and a tracking device will all keep the cost of the insurance down. You could also opt to pay a higher than standard policy excess (this is the amount you agree to pay in the event of a claim while the insurer settles the rest). Nearly all insurance providers will state a minimum amount of excess but you can volunteer to pay more in exchange for a reduced premium. Remember that you will have to be prepared to pay this sum each time you make a claim above this agreed amount though.

Never rush into taking out a motorhome insurance policy. Know exactly what you require and take the time to make full comparisons between quotes to ensure you get the best cover for the fairest price, which is why at caravanquoter.co.uk we aim to provide you with a selection of cheap motorhome insurance policies.