Motorhome Insurance

Compare motorhome insurance from the following companies who have chosen to advertise with us.

Insurer	Discounts Available	Max. No Claims Discount	Min. Policy Excess	European Cover	Phone	Outstanding Policy Features
Safeguard Info>	Up to 60% Introductory, 20% Security, Voluntary Excess Discount	65%	£100	Annual	0800 409 6508	Protected Bonus. Discounts available to agreed club members. Policy terms and conditions apply. Calls may be recorded.
Cover4Caravans Info>	Intro up to 60%. Age, Value, Mileage	Max 60%. Protected NCB available	Based on value, Min £100	Up to 90 days Free	0800 988 2840	New for old replacement if your vehicle is less than one year old.
Caravan Guard Info>	£10 online, up to 30% Security, 5% Storage, Reversing Sensor	Up to 67.5%	£100	Optional - Up to 8 Months	0800 14 88 428	£3,000 cover automatically included for motorhome equipment. Underwritten by one of the UK’s leading insurers, Royal & Sun Alliance Insurance plc.
Towergate Bakers Info>	Unspecified.	Up to 62.5%	£200	Annual available	0870 998 0206	'New for old' replacement for up to 3 years.
2gether Insurance Info>	Free Agreed Value, 15% CaravanQuoter discount when quoted on the phone.	75%, Free No Claims Bonus Protection	£100	90 Days can be extended on request	01945 465508	£3000 Contents , Equipment and Awning Cover, Agreed Value, 20 % club Discounts allowed. Cheaper deals when speaking to an advisor.

Buying Insurance for Motorhomes or Motorcaravans 

When choosing motorhome insurance there are lots of features of any cover you are considering taking out. Policies can vary considerably and if you want to ensure that you have the correct cover for your needs never rush into taking out what seems to be the cheapest insurance policy, shop around a bit first and compare.

First you might want to consider how you will be using your motor home. If you are going to travelling around Europe then of course you will need to ensure that you have European cover. Even if there is European cover included in the policy you will need to check how many consecutive days protection is included in any given year. This will vary depending on your chosen provider with some offering more days than others. With most but not all policies European cover usually means that if you break down whilst touring Europe you would be taken to your chosen destination, the motorhome would be repaired and if it became necessary to stay in a hotel while your motorhome was being repaired some of this expense may be reimbursed to you. And of course keeps you covered on the road.

Check the policy features and small print to find out if the policy pays out new for old. This would mean that you would get replacement items at today’s prices and some policies will also replace your motorhome with a brand new one if it was stolen and not recovered or damaged beyond repair. However there are often limitations on the new for old cover so it is essential to ask your insurer and not leave it to chance.

When touring around in your motorcaravan you will of course have a great deal of your belongings with you and it is essential that you check if these are properly covered by your policy. You will have clothing for instance, bedding, external equipment such as awnings, gas bottles, push bikes etc and if these were to be stolen or damaged they could all add up to a significant sum of money. The majority of insurance for your motorhome will include contents insurance for these items but they will usually have a limit as to how much they would pay out per claim.
Also check for personal accident insurance, this could include legal and medical expenses if you were involved in an accident (similar to car insurance). Again there would usually be an upper limit set on the amount the insurance policy would pay out if called upon, so please check this out too.

Finally, there are ways that you can help yourself to cut down on the cost of motor home insurance. For instance the less attractive to thieves your motorhome is seen to be the cheaper the premiums for the policy may be. If you install devices such as alarms, steering wheel locks, wheel clamps or a tracking device you could keep the cost of the insurance down. You could also offer to pay a higher than standard policy excess. Nearly all providers will state a minimum amount of excess that you must pay in the event of a claim but you can volunteer to pay more in exchange for a reduced premium.