Tips for choosing motor home insurance

Motor homes are becoming increasingly popular in the UK for travelling in comfort and they come in many different sizes, from the basic to the “home from home” vehicles with all the mod cons. When considering taking out motor home insurance the size of the vehicle will be taken into account. Another factor you have to take into account is what you plan on using the motor home for. If you are only going to be taking the odd weekend break in the motor home then the insurance will cost much less than if you are travelling around the country for many months at a time.

When looking for the best deals for your motor home then you have to go with a specialist insurance company. Someone who specialises in offering insurance for motor homes as opposed to insurance for cars will know what insurance is needed. They will also offer among the cheapest premiums, which of course need to be compared on a like-for-like basis. A specialist motor home insurance company will compare quotes on your behalf.

If your choice of motor home is one of the “home from home” types with full kitchen, bathroom and everything else found in the home then the insurance will cost more as there are more things that can go wrong and which you might have to claim for. Refrigerators are run on gas and these can be potentially dangerous so of course insurance for a vehicle holding such items will cause the insurance to be higher. You will also be carrying around personal belongings such as your clothes, money, jewellery and other items of value. Therefore you will need to have insurance to cover not only in case you are involved in an accident but also in case your belongings get stolen when out of your motor home.

You need to make sure that if you have such items as a satellite dish, TV antenna, awnings for example that these are included in the motor home insurance. Some insurance providers will include these things in a general policy while other insurance companies will ask that you add on extra cover for these, so always check out the small print of any policy you are considering taking out.

There are many things that you should think about including in your policy. For example, if you were involved in an accident that was your fault and caused injury to a third party, you need to have cover for liability. If the other party should be injured, then the cover would pay out. You also need to be covered in case you should be hit by an uninsured driver and also if you should do damage to another’s property with your motor home.

When looking for motor home insurance you should also look for a policy that offers breakdown coverage as inclusive. If you are travelling in remote areas and should break down you need to have peace of mind that you would be able to reach your destination if your motor home is not worthy of travelling. Therefore you need a service that would supply you with a replacement vehicle while yours is being repaired.

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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.