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.

Motorhome cover – Ways to save on the cost

When looking for motorhome cover there are several things you could take into account to help you keep the cost of your insurance down. Insurance can be very costly so it is essential that you do compare for the best deal possible for your needs and make sure that you get the correct cover in your policy.

One of the main ways that you can save on the cost of your motorhome cover is to pay more for the excess than insurance companies will ask you to pay on your policy in the event of having to make a claim on the insurance. All will set a minimum amount that you need to pay from your own money should you be unfortunate enough to have to make a claim but you could offer to pay more and this can help you save on the cost of your premiums. Do bear in mind that when making savings this way you could lose out if you were to have to put more than one claim in on your policy in the same year. You would also need to find money in a cash lump sum and then the provider would pay the rest of the claim.

Another way to save on your insurance is to ensure that your motorhome is safe from thieves. You could buy a good quality car alarm, an immobiliser or a tracking device and any of these would go towards you saving as your motorhome would be harder to steal. If you park your motorhome under cover then it will be safer than if you left it on the roadside where it could be damaged or vandalised.

You could join a specialist club and this could help save on the cost of the insurance premiums along with you being able to get help and advice from likeminded individuals.

When you take out insurance for your motorhome you will have cover for your belongings. Some providers will give you new for old if you have to replace items or belongings while others take depreciation into account. If the provider does take wear and tear into account and you take this policy it could work out cheaper.

If you do not plan on taking your motorhome out of the UK then you could check any motorhome insurance that you were considering taking out to make sure that European cover was not included in your policy. European cover could boost the cost of the premiums up and is only needed if you plan on travelling around Europe in your vehicle.

Always go over the terms and conditions of any motorhome cover you were considering taking out as this is where you can find exactly what you would and would not be covered for. There will always be some limitations and limits on such as if you were claiming to replace steps and awnings in your motorhome. Checking over your insurance policy will ensure there are no nasty surprises in it that could leave you uncovered.

Choosing the right motorhome insurance policy

One of the first things you may want to remember when looking for your motorhome insurance policy is that not all policies offer the same. Here are some of the many things that you may want to consider.

You have the freedom to travel anywhere and at anytime, but do you have European cover and how many days coverage do you have? European cover is offered by providers based on days with some offering you more than others so always check in the benefits on offer. Is such as your portable TV, your DVD player or radio covered in your insurance policy and if so up to how much may you be able to claim back in the event they were stolen or damaged? Should the worst happen and your motorhome was damaged to the extent that you could not stay in it may your insurance policy pay out towards a stay in alternative accommodation? If this is included then remember to find out how many days and up to how much per day. Does the insurance provider you are considering going with for your motorhome insurance offer you lower premiums if you are the member of a specialist motorhome club? If not, consider looking for one that does if you have a membership. Is legal cover included in with the cost of your insurance or may the insurance provider allow you to add it in for a little extra each month? This can come in very handy if you are the victim in an accident which you were injured in and which caused you to have to take time from work. You could claim up to so much towards recovering costs. Does the insurance company offer a UK helpline that is operated 24/7? If you had to make a claim out of regular office hours and they were closed, it could add to the stress of the accident if you had to wait to make a claim. Check to find out if the provider you are considering offers limited mileage insurance. You could make savings on your insurance when your motorhome is off the road; say during the winter months if you take limited mileage cover. You may state how many miles you may travel with your motorhome during the year and stick under this limit. Check to find out if the provider offers you the option of adding in breakdown cover for a little more each month. Breakdown cover can be very valuable and if you have it added in with the same provider you could save a great deal of money compared to taking it out on its own.

These are just a few of the considerations you may want to take into account when looking into taking out your motorhome insurance. Whichever policy you take out always make sure that you have checked over the small print thoroughly as this is where you may be able to find out the limits on the cover and what you were and were not protected against.

Tips to help you choose your motorhome cover

Insurance is not something that we look forward to buying. However, it may make a great deal of sense to protect what is often a very expensive purchase in this case your motorhome. It may be extremely tempting to jump onto the first low quote for motorhome cover that you come across. However, does that policy include everything you need? While reading the small print and terms and conditions of insurance is boring, this too may also make a great deal of sense. It is where you may find what you are covered for and what the maximum payouts may be should you have to make a claim.

At the very least, you should read the summary of any motorhome policy you are considering taking. This will usually give you an idea of the main benefits of the policy.

Should you want make the most of your motorhome and travel around Europe then look into the details of your insurance to find out how many days out of the year you may be covered for Europe. All providers limit this amount. Some may give you more days cover than others for the same cost, and this is where you may benefit if you do spend many days out of the year in Europe.

If you are obtaining several insurance quotes, and it may be to your advantage to do so, be careful to ensure that you are checking like for like insurance policies. This means that the policy includes the same amount of European cover, you are paying the same amount of excess on the policy and you are getting other very similar benefits.

When considering the excess you may benefit and make savings if you offer to pay more for your excess than what the insurance provider is asking for. Your motorhome cover always comes with a minimum amount of excess. This may be the amount of money you may need to pay out of your own pocket should you need to claim on your insurance, before the insurance provider will take over the remainder of the claim.
When checking the benefits of your insurance policy find out what the insurance may payout for when it came to personal belongings. For instance, may any personal equipment be covered such as your portable
DVD player? How much may the policy pay towards steps and awnings?

Find out if the insurance provider will offer discounts for limited mileage, if you have installed advanced security measures on your motorhome or if you belong to a specialist motoring club. If you store your motorhome securely during the summer months you may be able to benefit from taking limited mileage insurance providing you do not travel more than the mileage stated on your motorhome cover.

Campervan insurance – what to consider when looking for insurance

Owing your own campervan is one way of taking a break whenever you feel like it and it is relatively inexpensive. You have a way of getting from A to B and you have a place to sleep, eat and hangout. You do not have to search for expensive hotels and you have the freedom to be able to explore and move about and take in many sights, as and when you want. The only downside to owning a campervan is of course that you have to take out campervan insurance. However it does not have to cost a fortune and there are many benefits to having insurance.

One thing you may want to consider when buying a campervan is that you may have problems when it comes to insuring the van if it is not a UK make or model. For instance if you buy and import an American or Japanese model, you may have trouble finding someone to insure it. If you do find an insurance company willing to insure your campervan then the premiums may come with high cost.

When considering buying a campervan and you are a new driver you may have trouble finding insurance companies who are willing to take you on. Usually you have to be at least 21 and some providers may ask you are even older. Generally, you have also need to have held a driving licence in the UK for a certain amount of time before being able to get insurance for a motorhome.

So what might your fully comprehensive campervan insurance cover?

Personal effects cover – Your personal effects may be insured in your policy but there is a limit as to how much the insurance pays out if you claim. Your clothing and camping equipment may come under the policy and such things as an MP3 player or personal DVD player may also be covered. However if they are, they are usually only protected under the insurance whilst they are in your campervan and not if stolen or lost outside.

Gas bottles and awnings – Gas bottles and awnings are often included in your insurance policy but again there may be a limit to how much you are able to claim, if needed. You may also want to find out if awnings are covered in the event of them becoming damaged due to a storm. Some providers may include this in the exclusions.

Loss and damage – Your campervan and belongings are covered in the event it is stolen, damaged or destroyed by fire. However, you may want to check to find out if the policy also covers damage, which is accidental. Some insurance providers include this but not all.

Key and lock replacement – In the event that your campervan is broken into and the locks damaged or the keys are stolen, your campervan insurance policy usually pays to have your lock replaced. Again, there is a limit to how much you are able to claim for locks and key replacements.

Motorhome insurance – a brief guide

Just as the name suggests, a motorhome is more than just a vehicle, it is a small home on wheels. Motorhome insurance, therefore, needs to reflect this dual purpose in order to afford adequate protection for your investment both in the vehicle itself and in the contents which make it a home.

Despite its offering cover against such twin perils as motoring and a mini-home, however, motorhome insurance may often prove to be amongst the most competitively-priced forms of vehicle insurance.

Motor insurance

When it comes to insurance, the likely value of the motorhome probably makes very basic cover (ie third party only) inadequate in the vast majority of cases and third party, fire and theft or – more usually – fully comprehensive insurance is going to be sought. The latter cover is typically designed to indemnify the driver not only against claims from third parties but also provide cover for accidental damage, theft and fire.

Some providers of motorhome insurance, however, recognise that the majority of owners are likely to be of the more experienced and mature type of driver (indeed, some restrict cover only to drivers over the minimum age of 25 years).

Many also take into account the fact that the motorhome is used relatively occasionally during the year, when on holiday, and driven in suitably holiday mood, when there is no rush-hour pressure to get to work. Indeed, some motorhome protection policies may specifically exclude the vehicle’s use for driving to and from work.

Add to all this the fact that motorhomes may be less likely to be the subject of theft than other kinds of vehicle and it becomes easy to see why competitive premium rates are often offered on this type of insurance.

“Home” insurance

As your home away from home, the modern-day motorhome is likely to contain not only a range of personal belongings but also come fully-equipped with such things as television, video-players, computers and satellite navigation. Although it may be necessary to check carefully the maximum levels of compensation in the event of loss through theft or damage, insurance for motorhome policies are typically designed to offer protection for such fittings and personal belongings.

As offered by other providers of motor insurance, motorhome cover may often come with the benefit of a free courtesy car, whilst the motorhome is being repaired following an accident covered by the policy. Motorhome insurance more often goes that one step further, however, by recognising that the vehicle is not only a means of transportation, but of accommodation, too. If the motorhome is stolen or otherwise rendered unusable, some insurance policies may make provision for alternative accommodation (subject to a maximum cost per night and for a prescribed maximum number of days).

Top Ten Campervan Road Trips

Owning a campervan can be great fun and it provides you with an affordable holiday. Here you will find the top ten places to visit both in the UK and worldwide. No matter what your budget, there will always be an ideal destination to suit it.

New Zealand – An Unforgettable Road Trip!

If you have a fairly large budget and you want the ultimate adventure then New Zealand is definitely the place for you. There you will get to explore snowy peaks, lush rainforests and beautiful countryside. There is a 12 mile Fjord known as Milford Sound that is a must see whilst you are in the area. It is surrounded by rock faces that are an astounding 4,000 feet tall.

One of the best things about taking a campervan trip in New Zealand is the fact that you can park overnight practically anywhere for free. New Zealanders call this “Freedom Camping”.

Andalucía – Great for the Winter Months

If you would like to travel over the winter, Spain is definitely one of the best campervan road trip destinations to opt for. Southern Spain typically offers the best weather during the winter months. Andalucía is a popular choice as it tends to miss out on Atlantic storms. It is also less crowded in the winter. This allows you to take in the scenery and enjoy all that the city has to offer without interruption.

Barcelona – A Journey Back in Time

Another great destination in Spain that is popular with campervan owners is Barcelona. There are large RV parks just outside of Barcelona that offer a Bohemia feel. It really does take you back to the 1960’s and you will be able to meet a variety of interesting fellow travellers too.

Cornwall – Experience the Beauty of the UK

If you would like to stay closer to home then Cornwall is definitely a good choice. In the summer months you can enjoy beautiful sea views in Porthlevlan. You should also aim to see the Camel Estuary which boats some amazing views. Or why not head towards Lands End? Known as the very edge of the UK, it truly is one of the most beautiful places in the country. There are many campervan parks situated around Cornwall and they all offer affordable prices.

Hanover, Germany – Escape to Another World

Another popular European destination is Hanover, Germany. It boasts the Prahljust campsite which offers majestic mountain lakes and lush forestation. You can use the site as a stopover before you travel on to Clausthall, Zellerfield. It is five kilometres away from Prahljust and it is famous for its wooden church and a lively street market. It truly is one of the nicest campervan destinations to visit.

Antwerp, Belgium – Get Back to Nature

If peace and quiet is what you are looking for then the Baalse Hei camping park is definitely for you. Set in 36 hectares, the campsite is a hidden nature reserve and ideal for those looking to be at one with nature.

Lake District, UK – Discover the UK’s Wild Side

The Lake District is one of the UK’s most popular tourist destinations. There are lush green dales, idyllic villages and beautiful still lakes to be enjoyed.

The Scottish Highlands – Witness Outstanding Beauty

The Scottish Highlands provide you with everything you could want out of a campervan holiday. There are mountains, locks, rivers, glens and plenty of wildlife to see. If you like to explore a place’s history then why not visit one of the many historic castles in the area?

Norwich, East Anglia – A Great City Trip

If you would prefer a city trip close to home then Norwich is a great place to visit. There is a busy outdoor market and you can visit beautiful castles and cathedrals. It is known to be one of the UK’s most vibrant cities.

France – Everything You Could Possibly Want

France is another destination that has it all. Imagine driving your campervan on long winding roads, overlooking rolling vineyards. If you head to the French Pyrenees you can even enjoy medieval music in a Romanesque church.

The above are just ten of the top campervan destinations. No matter what your budget or what time of the year you plan to take your road trip, there is always a perfect destination to suit your needs.

If you are going abroad dont forget to check your policy covers international travel.  We can help with all aspects of your campervan insurance.