Many people believe that motorhomes only need a standard car policy. However, this is not the case, and they, as well as campervans or caravans need specialized cover. They are intended to provide a home away from home for a holiday, and the right 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, cover is often less expensive than regular car premiums and covers much more. Items such as generators, awnings, appliances and other things are covered.
Holidays using a recreational vehicle 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 vehicle is stolen or written off
• Full insurance coverage for any driver if they have a full licence and have your permission to be driving
Breakdown assistance may include:
• Repair at roadside
• Punctured tyre assistance
• Towing or craning onto a recovery truck
There are some points to consider when choosing your 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 your 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 vehicle 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 RV has a tracking device. If so, install one that is endorsed by your insurer
• Accurately declare your annual mileage because lower mileage means lower prices. Bear in mind that 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 don’t 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