Motorhome Insurance: Your Ultimate Guide to Protection on the Road

Types of Motorhome Insurance

1. Comprehensive Cover: Our comprehensive motorhome / RV insurance policy offers all-encompassing protection, including coverage for accidental damage, theft, and vandalism. We calculate your premium individually, ensuring you receive coverage matching your needs and budget.
2. Agreed Value Cover: Unlike many insurers who pay out the ‘market value’ in case of a total loss, we assess your motorhome’s true value and offer coverage accordingly. This means you won’t be left disappointed when you make a claim.
3. Specialist Schemes: We specialise in covering American and European motorhome models, such as Burstner, Winnebago, Lord Munsterland, Roma, Adria, Hobby, Hymer, and more. We aim to provide affordable coverage for high-quality and larger vehicles, which many competitors shy away from.
4. Limited Mileage Discounts: For those who enjoy the open road but don’t put many miles on their motorhomes, we offer limited mileage discounts, starting from as little as 3,000 miles.
5. Modified/Converted Motorhome Cover: If you’ve modified your motorhome, we’ve got you covered. We provide like-for-like coverage for your customisations, and even self-converted vans and buses can be included in your policy.

When Is Motorhome Insurance Essential?

Motorhome or RV insurance is essential in several different scenarios:

1. Accidents: Whether it’s a minor fender bender or a more severe collision, insurance ensures that the financial burden of repairs and damages doesn’t fall solely on your shoulders.
2. Theft and Vandalism: Your motorhome is not just a vehicle; it’s a home on wheels. Insurance can protect it from theft and vandalism that can occur during your adventures.
3. Storm and Natural Disasters: Mother Nature can be unpredictable. A specialist insurance policy provides peace of mind in the face of damage caused by storms, floods, or other natural disasters.
4. Liability: If you’re involved in an accident and deemed at fault, liability coverage can protect you from potentially enormous medical bills and legal fees.

Frequently Asked Questions

Q: How can I get a motorhome insurance quote?

A: Getting a motorhome insurance quote is easy. You can either contact us directly through our website or reach out to one of our agents on the phone for a personalised quote.

Q: What factors influence my motorhome insurance premium?

A: Several factors affect your premium, including the type of motorhome, its value, your driving history, where it’s stored, and your mileage.

Q: Do I need motorhome insurance if I don’t use my motorhome year-round?

A: Yes, it’s still essential. Even if your motorhome spends part of the year in storage, it’s susceptible to theft, vandalism, and damage. Having insurance provides year-round peace of mind.

At Park Insurance, our commitment is to provide tailored motorhome insurance that protects your lifestyle and assets. We understand motorhomes aren’t one-size-fits-all, so our policies are as unique as your journeys.

We offer competitive rates and affordable premiums because we believe your peace of mind on the road should never break the bank. So whether you’re a proud owner of a Burstner, Winnebago, Lord Munsterland, Roma, Adria, Hobby, Hymer, or any other motorhome, we’re here to give you the coverage you deserve.