If you own a motorhome then it’s vital to get it insured ASAP. Of course it’s necessary to have insurance to be able to drive your vehicle legally in the UK but this isn’t the only reason to get insurance. It also gives you peace of mind, especially when you’re driving a motorhome as it’s not only a means of transport but also your accommodation. Getting insurance for your motorhome is incredibly easy when are informed. After having read this page you’ll not only be able to decide on what you need with your policy, but you’ll also be able to get quotes incredibly easily.
Factors to Consider
When you take out an insurance policy for your motorhome there are a few things you should be aware of. The first is what affects the price of your policy. The second is what options you want to have included in your policy. There are a lot of things that will determine the price of your insurance policy but below are some of the main ones –
- Driving History – When insurers are determining the cost of your policy they’ll want to assess the likelihood of you making a claim. If you have a clean licence and zero claims then you’re a lot less likely to make a claim then someone with several points on their licence as well as multiple claims. Of course it isn’t always as simple as that – how long you’ve been driving for will play a big factor also.
- Your Vehicle – The value of your motorhome is one of the biggest factors that will dictate cost. Often insurance providers will only provide you with cover the depreciated value of your motorhome rather than what it would actually cost to replace it so you should specify if you want total loss replacement in your policy.
- Security – How secure your campervan is makes a big difference to the cost of a policy. If you can park your campervan in a locked garage as well as having it fitted with an alarm and tracker then this will go a long way to reducing the cost your insurance.
The options you have included will also affect the price of your policy. Which options you have included with your policy will depend on where your campervan is located and how you use it. If you use your campervan exclusively within the UK then you’ll obviously have no need for European cover. Contents cover is something that a lot of campervan owners opt for. Whether you choose to get this cover will depend on where to take your campervan and what the value of the contents you take are. If you like your campervan to music festivals and other large events then you’ll almost certainly want to get contents cover, especially if you like to take expensive gadgets with you.
Get Quotes the Easy Way
There are several ways you can go about getting quotes for your motorhome insurance but one of the easiest ways is to fill out the form on this site. Once you’ve filled in some basic information about you and your vehicle, you can then receive quotes from specialists in motorhome insurance so you can compare them and get the best deal possible.