Motorhome cover – check you have adequate cover

It is essential to ensure that you have adequate coverage for your motorhome before you take it out on the roads. There are many different factors that you have to take into account when you are looking for the best deals on your insurance. If you choose to go with a specialist in motorhome cover then they will be able to search around on your behalf to get you the cheapest deal with the cover you need.

Your motorhome policy needs to be considered very carefully as there are many different things that need protecting and which you might not consider if you are used to insuring a car. Car and motorhome cover are entirely different and this is why you need to choose an insurer who specialises in offering motorhome insurance.

If you are taking your motorhome out onto the roads and doing a lot of travelling then the cost of insurance will be higher than if you only travel for a week or two out of the year. The same will apply if you are going to be travelling with your motorhome out of the UK. You do however have to be totally honest about this when taking out a policy. If you have stated that you are only travelling in the UK to keep your insurance costs down and then make a claim for an incident that occurred in Europe, your policy will be null.

When considering insurance you will need to make sure that such things as awnings and steps are included in the cost of the policy. Awnings can get ripped in bad weather and some providers will add this into basic cover while other insurance providers might ask that you take cover for such things at an additional premium. You also need to check what contents are included in the motorhome insurance. The majority of motorhomes are futted with a fridge, cooker, bathroom and kitchen and these can breakdown, therefore you need to know if they would be covered in your policy.

You also have to check the small print to see what contents cover you have in relation to if it is new for old or replacement only. If the entire contents of your motorhome were to be stolen or destroyed they can be very expensive to replace. New for old is the best type of cover as it would allow you to buy replacements at what they cost today. However, if the cover only pays out replacement for what the items were worth at the time of losing them.

You also have to compare exclusions and limitations in motorhome cover before taking on the policy. Factors to take into consideration here include if you should be hit by a driver that is uninsured and if you have liability cover which includes medical expenses. You also need to check to see if recovery and breakdown is included in the policy. If you were to breakdown and your motorhome needed towing for repair then you should be provided with an alternative vehicle, at the very least you should be taken to your destination along with your luggage.

Things to take onboard when looking for motorhome insurance

Motorhomes can cost many thousands of pounds and as such it is imperative that you choose your motorhome insurance very carefully. Slip up and find yourself without the necessary cover and you could lose a great deal, in fact in the worst case scenario you could lose everything. With this in mind here is some useful advice to help you to choose your cover.

Motorhome insurance is similar in some parts to car insurance; however in some aspects it is also very different. To begin with you could choose insurance such as third party only or fully comprehensive. If you are buying a brand new motorhome then it only makes sense to cover it with fully comprehensive insurance.

This provides the most cover for your new motorhome although of course it is the most expensive form of cover. The difference between motorhome insurance and car insurance is that the motorhome is your “home away from home”. If you take the motorhome on holiday and travel around extensively in it then you will have all your belongings in it. Therefore you need to ensure that you enough insurance to cover your belongings.

As insurance companies offering insurance tailored to those who drive motorhomes recognise this, personal belongings will be included in your policy. However there will usually be a limit as to how much those belongings would be insured for and this could differ with providers. You would also have to check the small print as certain items and items over a particular amount might not be included. Along with personal belongings you should also check to find out if items such as steps, awnings and gas bottles were included in the insurance policy. Again there could be a limit imposed on these and they would need to be checked.

When looking for insurance find out what protection is given in the event that your motorhome should break down. The majority of policies offer insurance that would payout for you to stop in a hotel for so many nights if your vehicle was beyond repair at the roadside. Also check to find out if towing and getting you to your destination is included in the policy.

If you travel around outside of the UK and venture into Europe you would want European cover included in the motorhome insurance policy. This would ensure that if you break down while on the road you would have protection just as you would in the UK. However some policies will only offer so many days European cover in their protection so it would be essential to check the terms. It is also worth nothing that if you do not plan on travelling outside of the UK you could save money by choosing a policy that does include European protection.

Tips when buying motorhome insurance

There are many features of a motorhome insurance policy that can differ between providers. Some will add in accidental damage for instance while others might ask that you pay more to have this added on. Some could include European cover and others might not, even if European cover is added in how long you would be protected could differ with the providers. Therefore it would be essential to check over any policy you were thinking of taking before actually going ahead and buying it.

If you do plan on travelling outside of the UK in your motorhome then European cover would be considered essential. This would protect you for all the things you would be protected against in the UK but of course while you were travelling around Europe. This could include being towed if you breakdown and recovery to your destination. It could also include paying out for you to stay in alternative accommodation while your vehicle was being repaired of giving you a replacement vehicle.

All motorhome insurance policies would allow you to insure your belongings. However there would usually be limits and exclusions to this. Items which are particularly expensive might not be covered and there could be limits on the amount that is paid out on a single item. Items which are usually covered in your protection would include soft furnishings, linen, clothing, a TV, steps, awnings and gas bottles. Of course the provider could include much more so you would have to check this in the small print. Also check to find out if accidental damage is included as some providers will ask you pay more for this.
When looking into the features offered by the policy take a look to see if the insurance would payout for damage to glass. This could include the windscreen of your motorhome and some providers might also extend this to side windows. Usually there would be a limit on the amount you could claim for windscreen damage so again this would have to be checked in the small print before taking out the cover.
You could also check to find out if the policy would payout for such as liability, personal accident, flood and storm damage. Flooding and storm damage could be considered essential if you are spending a great deal of time travelling out on the road in your motorhome. However again you should check for limitations and exclusions before taking on the protection.

Of course all the above features would be found only in a fully comprehensive motorhome insurance policy. If you have bought a brand new motorhome then you would have no option but to take this level of insurance out as it provides the most cover for your motorhome. However if you have chosen to buy a second hand model then you could choose to take out third party fire and theft cover. This would provide you with protection that would payout in the event your motorhome was damaged due to fire or if it were stolen. It would also provide cover for any third party that should be involved in an accident with you which is your fault.

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.

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.

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).