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Ultimate Guide to Motorhome Insurance

If you’re in need of a motorhome insurance policy, whether this be for a large class A RV, class B campervan, or a van conversion, we can help.

Buying a motorhome is a lifechanging decision, one which will ultimately allow you to explore the world, make new memories, save money and eliminate the stress of finding accommodation, or even enjoy your retirement. It therefore makes sense to protect your investment with insurance that’s right for you.

Read our online guide to motorhome insurance cover and you will likely feel at ease when it comes to choosing your policy. Once you have the knowledge you need, head over to our quotation tool where you can compare insurance quotes and get your motorhome protected today.


What is a motorhome?

In simple terms, a motorhome is a type of vehicle that includes living space or accommodation. Many of the well-known motorhomes, (like those listed above) will be covered under different insurance policies, however if your motorhome is an unusual type or is self-built, you will need to check the terms and conditions of the policies as you may well need specialist motorhome cover.

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Why do I need Motorhome Insurance?

Under UK legislation, it is illegal to drive a vehicle without insurance. When it comes to owning a motorhome, the same rule applies, even if you are only using it a few times a year. Unless you register the vehicle with the DVLA as a Statutory Off-Road Notification (SORN), you will need to get cover.


What type of cover is there?

Motorhome insurance has similar options available to a regular car insurance policy; third party, third party fire and theft and fully comprehensive. You may feel you want to protect your motorhome a significant amount through a fully comprehensive policy, however this doesn’t need to be expensive and we can help you compare prices to get the best deal for your needs. Before choosing the right policy for you, it is important to determine the type of cover you want, so let’s explore your options in more detail.


Third Party Only

This is the cheapest type of insurance available, however it will offer the least amount of protection for your motorhome. Third – party only is the minimum amount of insurance you must obtain to be able to drive your motorhome legally in the UK. It will cover your passengers and any third party if you have an accident resulting in injury or damage to any property. It does not cover any injury to yourself, or damage to your car if you are involved in an accident that was your fault. Your motor home will also not be covered if it is stolen or destroyed by fire.


Third Party Fire and Theft

This type of insurance is similar to that above; however, it will include cover to your vehicle if it is stolen or damaged by fire.


Comprehensive

Fully comprehensive insurance will provide the same level of protection for your motorhome as Third-Party Fire and Theft, however should your motorhome be damaged or destroyed in an accident where you were at fault, you will also be covered.
Please bear in mind that all policies differ, so make sure you read any small print with care to ensure you get the best cover suitable for your needs.

Use our online form to compare policies here.


How is the insurance calculated?

Like most insurance policies, motorhome insurance cover can be calculated based on several different factors, these include:

  • Where your motorhome is kept at night
  • Previous claims and convictions
  • Your age and how long you have been driving
  • Your postcode
  • The value of the motorhome

 

How can I cut the costs of motorhome insurance?

Improve security

The most common way to cut the costs of your motorhome insurance policy is to improve its security. Improving security of your motorhome will mean insurance companies view it as less of a risk, meaning you are more likely to receive a discounted policy. By fitting perhaps an approved alarm, anti-theft device, tracker or immobilizer you could get much cheaper insurance.

It is also important you look after your motorhome with care and keep it secure. If anything happens to your motorhome due to your carelessness, insurance companies are not going to act in your favor. Here are a few examples of what you could do to maximize security.

  • Keep your keys in a safe place and out of sight. Ensure the motorhome is locked and windows are closed, whenever you are not around.
  • Do not leave valuable equipment or gadgets in your motorhome such as mobile phones, sat navs or cd players. Make sure these equipment’s and gadgets are kept out of view.
  • Do not leave the engine running on your motorhome, even if it is parked on your driveway.
  • Invest in a steering lock – an excellent anti-theft gadget.

Lower the Risk

Insurance premiums tend to be expensive when an insurance company deems your motorhome to be at risk. For example, parking a vehicle on a public road rather than a private driveway carries more risk as it is more likely to be damaged by another vehicle. If you do not have access to a private driveway, you should consider parking your motorhome in a secure location elsewhere.

You could also install cameras or sensors that will minimize your chance of accidents, such as parking or reverse sensors.

Keep mileage low as low as possible. The fewer miles you make, the less likely you are to be involved in an accident. If, however this is not something you can achieve, make sure your accurate in your yearly mileage estimation, as under estimating when making a claim could prove to be pricey.


Other factors to consider

Paying for your motorhome insurance in full, rather than monthly installments is also likely to reduce your costs as you will not incur any interest. Check with the policy holders on how much you could save. Increasing your excess rate could also reduce your premium however this could prove to be costly if you did ever have an accident. Way up the pros and cons of each before you make the decision. You could also sign up to a motorhome owners club which may reduce your premium, however make sure you check with your chosen providers first.


Are there any exclusions?

It is important to check with the chosen insurance company what exclusions there may be as each company will have different policies. However, here are some of the exclusions that you may need to consider:

  • Wear and tear of your motorhome
  • Stolen contents with no apparent forceful entry
  • Claims made on a motorhome being used as a permanent dwelling or for your profession.

Such factors may need you to obtain additional cover, so it would be a good idea to discuss these exclusions with the insurance company when you look to apply.

Now that you know all you need to on motorhome insurance, why not head over to our online quotation tool where we can help you take the first steps towards securing a motorhome insurance policy today!