Save On Your Motor Home Insurance Using The Web.

As with any type of insurance, motor home insurance can be found cheaper by going on the web. This is usually due to the cost of administration being greatly reduced as processing is handled online. Getting quotes to compare from a specialist will ensure this. Of course how much you can expect to pay for insurance will vary. One of the factors taken into account when wanting to save on your motor home insurance is the type of vehicle you need to insure.

This should be kept in mind when buying the vehicle and if you look at the various types and the cost of insurance before buying, you will have an idea if the motor home of your choice is affordable.

At the top end of the scale in motor homes is what is termed the “A” class vehicles. These are luxury models that are nothing short of homes on wheels. The majority of them have 2 to 3 berths, however it has been known for them to go up to 4 to 6 berths. This type of motor home is fully fitted with all the “mod-cons” that you could expect at home including TV, showers, fitted kitchen and bedrooms. They are however one of the most expensive types to insure.

Next down the ladder is the “C” class motor home, otherwise know as the coach build. This type is basically a van with chassis which has a caravan built onto it. They do have a lot of room and are well designed to make the most of the available space and sleeping quarters. This type of motor home is one of the best choices for the whole family. They also include larger kitchen space and bathrooms and over cab sleeping areas for children.

Finally there are the camper vans; these are conversions of normal vans. This type is the cheapest when looking to save on your motor home insurance. These are also the easiest vehicles to manage when it comes to parking as they are more compact, with a large majority of them being based on the Ford Transit. However they are the smallest and only really ideal for a couple. Having said this they do include the essentials of bathroom, kitchen and bedroom, if somewhat on the small side.

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.

Budget motor home insurance can be compared with a specialist website

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.

What size motor home should I buy?

Having decided to buy a motor home, you are probably vexed by the question of ‘’ The answer might lay in for what you hope to use the motor home. If you wish to use the vehicle for weekends away or to attend festivals etc. then a B-class might suffice. These are also known as day-vans or campervans and are generally panel vans fitted out as motor homes.

C-class is chassis cab conversions with a caravan body and is often known as coach-built. If it has a bedroom over the cab area, it is called an ‘over-cab’. If not and has a lower roofline, then it is called ‘low-profile’. This class of motor home might suit someone planning to enjoy longer periods touring and requires more room than that offered by a B-class.

The largest is the A-class, which is coach shaped with smooth bodylines and is normally very roomy. Generally, the ‘compact’, which is in this class, is about 6m long, which is the benchmark between medium and large. If you plan to spend longer periods in your motor home, perhaps months catching the winter sun in Spain, then it could be deemed wise to buy something larger to yield more comfort.

If you plan to tour in the UK then it could be prudent to be aware that the maximum motor home size permissible is 12m long and 2.55m wide (39’4” x 8’4”). However, most campsite entrances, ferries, road tolls, recovery prices and insurance are fixed for the 6m motor home. Therefore, anything greater than 6m may pose problems that outweigh the benefits of its larger living space.

Not only do you need to consider the living space within but also what you plan to take with you so look at the payload information for each motor home. This is the difference between the MTPLM (maximum technically permissible laden mass – the legal maximum weight including all equipment and occupants) and the empty motor home. There is a chart available to allow you to compare payload details.

If you plan to have a tow bar or bike rack on the rear of your vehicle then the overhang needs to be 55% or under to allow for this. The maximum legal length 60% and it is measured from the centre of the rear wheel to the rear of the motor home. Thought might also be given to the axle weights permissible for the motor home. Traffic police rarely tolerate overloading and it could lead to trouble with the law.

As you can see, there are lots to consider when deciding ‘what size motor home should I buy’. Therefore, it might be helpful to visit motor home shows, relevant internet sites, read enthusiasts magazines or simply talk to motor home owners to assist you with your decision.