Many people believe that motorhomes only need a standard car insurance policy. However, this is not the case, and motorhomes, campervans or caravans need specialized cover. Motorhomes are intended to provide a home away from home for a holiday, and the right insurance coverage will give you the peace of mind you need to have a great time.
Motorhome drivers are considered to be the safest drivers on the road. This is because they tend to plan ahead, avoid rush hour and drive very carefully. Because of this, motorhome insurance is often less expensive than regular car insurance and covers much more. Items such as generators, awnings, appliances and other things are covered.
Holidays using a motorhome are a lifestyle choice, and owners enjoy driving to scenic or secluded places to enjoy nature or the countryside without having to book a hotel room. This travelling may take you all over Europe, so EU cover is essential. Some policies cover for the duration of your travel and some cover for the full year, so you need not cut your trip short. You can also get breakdown coverage for travel in Europe.
Comprehensive motorhome policies may include:
Any Driver Coverage if the driver has a medical emergency
Vandal damage coverage
Personal belongings coverage including clothing, camping equipment, TV and audio equipment
Coverage to get you home in the event of an accident including overnight hotel costs
Coverage for broken windows
Standard comprehensive accident coverage including compensation for certain personal injuries
Extra optional coverage
Legal protection in the event of an accident that is not your fault including legal expenses, loss of earnings, compensation for personal injury and excess paid as part of a claim
Private medical coverage for you, a passenger in your vehicle or another, a pedestrian or cyclist
Replacement vehicle in the event your motorhome is stolen or written off
Full insurance coverage for any driver if they have a full licence and have your permission to be driving
Motorhome breakdown assistance may include:
Repair at roadside
Punctured tyre assistance
There are some points to consider when choosing motorhome insurance coverage. You need to be sure the policy is a comprehensive policy and read the small print. Is the EU and Breakdown coverage standard or do they require an extra fee? If you are planning a trip of over six months, make sure you home insurance covers your home if it is unattended for extended periods of time.
No matter how boring or time consuming, it is important to read the small print. This is where extra fees and conditions will be stated. You need to know exactly what your policy covers and exactly how much it costs before you purchase it, not at the hectic and upsetting time when you have an accident.
There are several ways you can reduce the cost of motorhome insurance:
Fit the motorhome with an alarm, if it is not already standard equipment, and make sure the alarm certificate is given to the insurance company
Ask your insurance company if they will give a discount if your motorhome has a tracking device. If so, install one that is endorsed by your motorhome insurance company
Accurately declare your annual mileage because lower mileage means lower prices. If your declaration is too far from your actual mileage, you policy could become void
Increase the excess to an amount you can afford, but dont make it so high it is difficult to pay in the event you make a claim
Only put an additional driver on the policy if you will actually have an additional driver