Motorhomes can be difficult to insure, and even when you think you may have found the right deal, chances are when it come to claiming there may be niggling clauses which snarl up the smoothness of what is always a complex procedure. Because of this it is important that you look carefully at the different types of policies offered by motorhome insurance companies, and consider the risks that come with owning a Motor Home.

Risks to Consider

Physical Damage

Even though insuring a Motorhome can be relatively cheap because Motorhome drivers are considered by insurance companies to be experienced, and because Motorhomes are a less desirable target for thieves because of their size and image, making sure that your motorcaravan insurance policy covers other areas without leaving financial gaps which you’ll be left to fill in the event of a claim is very important. Replacing the large windows, panels and other specialist parts specific your vehicle is more expensive than on an equivalently priced car it is sensible to seek cover from specialist insurers who deal exclusively in Motorhome insurance.

Personal Effects Cover

Because Motorhomes are increasingly filled with all your expensive, high-tech gadgets and valuable personal property, and whilst they are in use you are away from home, all of these irreplaceable objects are at risk from thieves. Insurers offer different level of contents cover, and making sure that your valuables are fully supported by your insurance could be the deciding factor in the type of cover you buy.

Gas bottles, generators and Awnings

Not everything can be safely locked away in your Motorhome all the time, and the external, portable and expensive awnings or portable generators you augment your Motorhome with can all be covered with most UK policies. Another essential Motorhome item which is both a theft risk and a destructive hazard is the lowly gas bottle. Far more portable and easily accessible than most other objects in the average Motorhome, making sure that you are covered in case your gas bottles are either stolen or worse explode and cause damage to you or your Motorhome is an important insurance risk to consider.

Breakdown and Continental Cover

A broken down Motorhome is a holiday maker’s worst nightmare, but luckily some policies offer free UK cover from most big break-down firms, which makes your travels within the UK less stressful and saves money and time in the event of mechanical difficulties. Being mobile is what a Motorhome does best, so making sure that you are covered for any foreign excursions where the laws of different states may affect any claims is important. Some policies even offer to cover the legal fees incurred in the procurement of claims or other matters related to your Motorhome’s cover. However, there may be a time limit on the amount of days you are insured whilst you are travelling outside of the UK, varying from policy to policy, so considering this when buying
motorhome insurance may be important for the adventurous ones among you.