Budget motor home insurance can be found online and you can get the lowest premiums if you compare quotes that a specialist finds on your behalf. Do not be tempted to just go for the first policy you take a look at that sounds reasonable. You need to look deeper into the key facts of the cover to see what it entails and what you would and would not be covered for.
The amount of time you spend on the road and where you are travelling will make a difference to the cost of your motor home insurance. If you are on the road with your vehicle for the majority of time then you can expect the premiums to be higher than if your vehicle is garaged for a lot of the time. The cost of insurance will also be decided by the size of the motor home with the larger “home from home” type vehicles being the dearest to insure.
When looking for budget motor home insurance you could consider taking out third party fire and theft. However this only gives the basic cover and is not really suitable if you take your motor home out on the roads from many months out of the year. You might be able to get away with a third party fire and theft policy if you only take your motor home out for one or two weeks of the year.
If you want full cover for not only the motor home but also the contents and other things then you will typically need to take out fully comprehensive insurance. While this is a dearer policy you can get a quality but affordable policy by going with a specialist website. You can also get cheaper insurance by offering to pay a higher excess charge. The excess is the amount that you have to stand to before the insurance company would payout on a claim. All insurance companies will add in excess but you can offer to pay more and this will lower the premiums you pay each month. However you also have to take into account that you would have to find that sum of money if you had to claim on the insurance policy.
When looking at fully comprehensive insurance there are many things that you have to consider, usually they will be included in the majority of policies but there many be limitations as to how much the insurance company would payout. This will differ between insurance companies so it is vital to check the small print before you take out the cover.
You need to make sure that your belongings would be covered in the budget motor home insurance policy. As this is your home while you are travelling around in your motor home your belongings can add up to a fair sum. All comprehensive policies will include cover for belongings and such as awnings but they do have a limit up to a certain amount which differs between policies. Always check to make sure that the policy you are taking gives you new for old coverage. This means that you do not lose out when it comes to replacing all of your belongings if they were destroyed or stolen.