Campervan insurance – Your choices

You have the same chances when looking for campervan insurance as you do when looking for car insurance. Your choices of insurance would include a fully comprehensive policy or third party policy. The type of campervan you choose to buy would depend on the insurance which would be the most suitable. If you have paid out many thousands of pounds for your van then of course a fully comprehensive policy would be the most suitable option. If a second hand model was your choice then third party fire and theft might be the most suitable form.

However while the same types of policy can be considered this is where the similarity ends. There are many more aspects of campervan insurance that have to be taken into account that are specifically tailored to a campervan. One of the main reasons for owning a campervan is of course to travel around in it and spend your holidays in it. Therefore you will be treating your campervan as a home away from home and have your personal belongings in it. With this in mind you want to ensure that you have suitable cover for your belongings.

All campervan insurance should come with personal belongings cover but they would usually limit this to a certain amount. It is essential to check this amount and also if there are any exclusions as to the type of belongings that are protected in the policy. Expensive items such as sat nav equipment, TVs and jewellery might be exempt for the cover and you would have to take out extra insurance for these.

Also check any insurance you are considering to ensure that you would be protected if travelling around Europe. This would give you protection in case you should breakdown and if the worst comes to the worst if you were to have your campervan taken for repair you would be taken to your destination. Some insurance policies would also include hotel accommodation if your campervan was off the road for repair so again this would need comparing as there could be limits. There could also be a limit on the amount of days of European cover the policy would provide and again this has to be checked before taking on the policy.

A policy that does include European cover would generally cost more than one without. With this in mind if you do not plan on travelling outside of the UK then search for a policy that comes without cover for Europe. Another way you can cut down on the cost for the premiums for campervan insurance is if you choose to pay out more in excess. The excess is what you are asked to pay towards the cost of the policy before the insurance company would kick in and pay the rest of the claim. However you would have to bear in mind that the amount of excess you choose to pay would have to come out of your own pocket as a lump sum payment. Installing extra security devices such as a tracking device and good quality alarm could also help to keep down the cost of your insurance premiums.

Things to take onboard when looking for motorhome insurance

Motorhomes can cost many thousands of pounds and as such it is imperative that you choose your motorhome insurance very carefully. Slip up and find yourself without the necessary cover and you could lose a great deal, in fact in the worst case scenario you could lose everything. With this in mind here is some useful advice to help you to choose your cover.

Motorhome insurance is similar in some parts to car insurance; however in some aspects it is also very different. To begin with you could choose insurance such as third party only or fully comprehensive. If you are buying a brand new motorhome then it only makes sense to cover it with fully comprehensive insurance.

This provides the most cover for your new motorhome although of course it is the most expensive form of cover. The difference between motorhome insurance and car insurance is that the motorhome is your “home away from home”. If you take the motorhome on holiday and travel around extensively in it then you will have all your belongings in it. Therefore you need to ensure that you enough insurance to cover your belongings.

As insurance companies offering insurance tailored to those who drive motorhomes recognise this, personal belongings will be included in your policy. However there will usually be a limit as to how much those belongings would be insured for and this could differ with providers. You would also have to check the small print as certain items and items over a particular amount might not be included. Along with personal belongings you should also check to find out if items such as steps, awnings and gas bottles were included in the insurance policy. Again there could be a limit imposed on these and they would need to be checked.

When looking for insurance find out what protection is given in the event that your motorhome should break down. The majority of policies offer insurance that would payout for you to stop in a hotel for so many nights if your vehicle was beyond repair at the roadside. Also check to find out if towing and getting you to your destination is included in the policy.

If you travel around outside of the UK and venture into Europe you would want European cover included in the motorhome insurance policy. This would ensure that if you break down while on the road you would have protection just as you would in the UK. However some policies will only offer so many days European cover in their protection so it would be essential to check the terms. It is also worth nothing that if you do not plan on travelling outside of the UK you could save money by choosing a policy that does include European protection.

Features of campervan insurance you could look for

Your new campervan will be your pride and joy. Whether you have chosen to buy a second hand campervan or have taken on a top of the range brand new home away from home campervan that comes complete with all the mod cons of home, you need campervan insurance.

You do have choices when it comes to taking out insurance and this would depend on the type of camper van you have chosen. If you chose to buy a cheaper second hand model just to take out and about in the UK a couple of times per year then you could be better off taking out third party fire and theft insurance. A new van off the forecourt would mean you had not got much choice over the protection as you would have to take out fully comprehensive insurance. This is the dearest type of insurance but it would provide you with the most complete form of protection for your campervan.
Campervan insurance differs between each insurance provider with some offering more features than others for your money. However the majority of comprehensive insurance will include protection against fire and theft. In some cases the insurance company would payout to replace your campervan with a brand new model if it should be damaged beyond repair or if stolen. However this would generally only apply if the campervan was under a certain age or if it had done under so many miles.

This would need to be checked before taking on the policy. Usually providers offer storm damage and flood damage in with the insurance which of course could be considered essential if you are taking your campervan out on the road for a great deal of time throughout the year. Some providers will also include accidental damage in with their policy while others could ask that you pay extra for this, so again checking the small print is essential.

There are also many extras that could be included in your campervan insurance or which you can add onto the cover for a little extra. One of which might be European cover, this should be considered essential if you intend travelling outside of the UK in your campervan.

If your policy does have European cover included then you would have to check how many days coverage the policy would provide as usually there will be a limit. European cover would payout for such as a stay in alternative accommodation if you were to break down or have an accident while in Europe. It should also payout to have your campervan towed to a garage and pay for repairs.

The majority of campervan insurance policies would payout for items such as clothing, linen, bedding and personal items. However you would have to check the limits on these as all insurance providers will only pay out up to so much and certain items such as those of particular value might not be covered.

There would also be a minimum amount of excess on the policy which would need checking as this is the amount you would have to pay out of your own pocket before the insurance provider would take over the rest of the claim.

Tips when buying motorhome insurance

There are many features of a motorhome insurance policy that can differ between providers. Some will add in accidental damage for instance while others might ask that you pay more to have this added on. Some could include European cover and others might not, even if European cover is added in how long you would be protected could differ with the providers. Therefore it would be essential to check over any policy you were thinking of taking before actually going ahead and buying it.

If you do plan on travelling outside of the UK in your motorhome then European cover would be considered essential. This would protect you for all the things you would be protected against in the UK but of course while you were travelling around Europe. This could include being towed if you breakdown and recovery to your destination. It could also include paying out for you to stay in alternative accommodation while your vehicle was being repaired of giving you a replacement vehicle.

All motorhome insurance policies would allow you to insure your belongings. However there would usually be limits and exclusions to this. Items which are particularly expensive might not be covered and there could be limits on the amount that is paid out on a single item. Items which are usually covered in your protection would include soft furnishings, linen, clothing, a TV, steps, awnings and gas bottles. Of course the provider could include much more so you would have to check this in the small print. Also check to find out if accidental damage is included as some providers will ask you pay more for this.
When looking into the features offered by the policy take a look to see if the insurance would payout for damage to glass. This could include the windscreen of your motorhome and some providers might also extend this to side windows. Usually there would be a limit on the amount you could claim for windscreen damage so again this would have to be checked in the small print before taking out the cover.
You could also check to find out if the policy would payout for such as liability, personal accident, flood and storm damage. Flooding and storm damage could be considered essential if you are spending a great deal of time travelling out on the road in your motorhome. However again you should check for limitations and exclusions before taking on the protection.

Of course all the above features would be found only in a fully comprehensive motorhome insurance policy. If you have bought a brand new motorhome then you would have no option but to take this level of insurance out as it provides the most cover for your motorhome. However if you have chosen to buy a second hand model then you could choose to take out third party fire and theft cover. This would provide you with protection that would payout in the event your motorhome was damaged due to fire or if it were stolen. It would also provide cover for any third party that should be involved in an accident with you which is your fault.

Points to consider when looking for motorhome cover

When looking for motorhome cover there are many points that you might want to consider. You will of course want to make sure you get the cheapest insurance possible. However at the same time it is essential that you ensure you have got the right cover for your needs. Take out a policy without comparing the features along with the cost and you could find yourself unable to make a claim on the policy.

The first choice you have for taking out motorhome cover is whether you need fully comprehensive insurance or third party fire and theft. This would depend of course on how much you have paid out for your motorhome or how much it is worth. If you have a brand new motorhome or it is over a certain amount then you would have no alternative but to pay out for fully comprehensive insurance. If your motorhome is old or you are buying a second hand vehicle then you might want to consider third party fire and theft as this is the cheapest way to cover your vehicle.

If you are taking fully comprehensive motorhome insurance then there are many features that you would need to check. The first of these would relate as to how you plan on using your motorhome. If you are going to be touring around Europe then you would need to ensure that European protection was added into your policy. This is essential as if you were to break down or be involved in an accident or suffer any kind of loss while in Europe and did not have protection, you would not be able to claim on the insurance. With cover you would be able to claim for recovery of your vehicles and for repairs. The insurance company would generally pay out for you to stay in alternative accommodation while your motorhome was being repaired, up to a certain amount.

A fully comprehensive policy would payout for loss of belongings in the motorhome. Some providers will payout new for old and others could take depreciation into account. If you are offered new for old protection then your belongings would be replaced brand new of course. You would have to go around your motorhome and make an inventory of your belongings so that you would be able to state the amount you want to insure.

This amount would be paid back in the event that you lost everything.

To keep down the cost of your motorhome cover you could offer to pay out more in excess than what the insurance providers asks for. The excess is what all insurance companies will ask that you pay towards any claim that you have to make. The amount you choose would have to come out of your own pocket in a lump sum so be aware of this when choosing the amount. You could also boost up the security of your campervan in order to keep down the cost of the premiums. By installing steering and wheel locks or a tracking device you can make savings on the premiums.

Choose your campervan insurance cover with care

While we all want to make savings on our insurance it is also essential that we also ensure we have got the right policy for our needs. It is no good saving a great deal on the cost of the insurance only to find that you cannot make a claim as your policy does not include what you need to claim against. With this in mind you need to .

Checking the small print for exclusions and limitations when choosing campervan insurance cover is essential. All insurance providers will add these in and some could include more than others. For example there could be a limit as to how much the insurance company would pay out for such items as steps and awnings. You could also have to pay out extra excess to make a claim against windscreen and window damage. It is only by going over the small print of the policy you were considering that you would know about these.

The features provided can vary between insurance providers and what you need in a policy would depend on your circumstances. Therefore when looking into insurance for your campervan you first have to decide what it is you want out of your policy.

For instance you would have to decide how many months or weeks out of the year you used your campervan. If you do not use it often they you could consider taking out insurance that came with limited mileage. This would provide you with full insurance providing you did not drive over a certain amount of miles per year.

You would also need to take into account whether or not you wanted European cover included in the policy.

If you planned on touring around Europe then you would need to look for the best deal that provided adequate cover when travelling around Europe. European cover would for example payout to have your campervan towed and repaired. It could also payout for you to stay in alternative accommodation if your campervan was inhabitable. Again all providers will state a maximum amount of days that you would be covered while travelling around Europe.

Campervan insurance will allow you to take out protection for your personal belongings. You would have to take an inventory to reach a figure to insure. This is the amount that you would get back in the worst case scenario that you lost everything. When insuring your belongings you could be offered new for old protection. In this case your belongings would be replaced brand new. This is usually the dearest type of protection. If your policy pays out taking depreciation into account then you could lose out.

All providers will add in a certain amount of excess that you would have to payout before you could make a claim on your campervan insurance cover. This amount would come out of your own pocket as a lump sum and is deducted from the amount of your claim with the insurance company paying the rest of the claim. You can offer to pay more excess to help keep down the cost of the insurance. However should you need to make more than one claim in any one year it is possible that you would lose out?

Learn how to make savings on your motorhome cover

There are many ways that you can help yourself to make savings when you are looking to take out motorhome cover. While of course the cost of your policy would vary depending on several things which are beyond your control including the type of vehicle you want insurance for and the years of experience you have driving you can still help yourself to cut down on the cost of the premiums.

The first thing that you have to consider when taking out motorhome cover is where you intend travelling. If you are only travelling in the UK then you will not have to pay out for European cover. However should you plan on travelling around Europe then of course you would have to add this into your policy.

European cover would allow you to claim on your policy in the event that you were to have an accident or break down. The cover would generally payout for the towing and repairs of your motorhome along with providing you with money to be used towards a stay in alternative accommodation if needed. This would be up to so much each day and for so long. The amount of day’s protection you could have whilst in Europe would vary with providers so compare this before taking out the policy.

You will have to pay out some excess if you were to have to make a claim on the cover and this can also vary with providers with some asking more than others. You would have to pay this excess before the insurance company would take over the rest of the claim. While there is always a minimum amount that you need to pay you could offer to pay more and this could help to keep down the cost of the premiums for your insurance policy. However the excess you choose to pay would need to come out of your own pocket in a lump sum so bear this in mind.

You will want to protect your personal belongings in your insurance so check if there are any limits to making a claim for a single item. Some providers will offer you new for old if you were to have to claim for loss or damage but others could take depreciation into account and if so this policy could cost less than one replacing your belongings with new for old.

Finally always check over any motorhome cover that you are considering taking out as there will be limitations and exclusions. You should also check to ensure that you have the correct policy for your needs. It is not good taking out the first cheap policy that you find only to find that you would not be covered for something you need. Go over the cover carefully and it can help to make a list before you start searching for cover so that you know what you want and what to look for when taking out protection.