Motorhome insurance: your questions answered

motorhome on a beach at sunset motorhome insurance

For most of us, the long nights of winter herald the time to put our motorhome into storage. Meanwhile, you can start planning next year’s road trips around the UK and further afield. And use this time to get to grips with another basic essential for happy travelling – your motorhome insurance.

How can I get a better deal on my motorhome insurance?

These days, we’re pretty well drilled on the need to shop around and switch providers to get the best price on our gas, electricity, and internet. And it’s the same with insurance. Figures show that people who stick with their current car insurance provider are likely to be paying more than those who regularly switch. For example, shopping around after just one year is likely to save you around £63. And you’ll find it’s the same for motorhome insurance.

Is cheap motorhome insurance good value?

Unfortunately, it’s not until you make a claim that you discover if your motorhome insurance is any good. You want to save money of course. But beware of any deal that seems too good to be true – as it probably will be.

You should double check the small print of any policy before taking it out, to make sure that you are covered for everything you need. And you should also look out for exclusions that could affect your ability to make a claim. For example, with some apparent bargain motorhome policies, your precious touring vehicle is actually classed as a large car. If something goes wrong and you need a replacement vehicle, you’ll only get a courtesy car, not a motorhome.

Do I have to insure my motorhome if I’m not using it?

Yes. Unlike a caravan that is towed, your motorhome is a motorised vehicle. That means that you need to insure it even if it is stored off the road unless it is SORN.

What questions do I need to ask my Motorhome Insurance provider?

The side of the road in France is not the ideal place to find out that you don’t have European breakdown cover! It pays to ask as many questions as you can. that way you canmake sure that you’re getting the level of cover that you need.

For example, double check that your glass cover is unlimited as many motorhome windscreens can be very expensive to replace. And check on any weight limits for your cover. That’s because some of the larger motorhomes now fall into the ‘commercial’ category. If you’re not sure what to ask, use an expert broker, like Park Insurance, so you can be confident in your cover.
Other questions to ask or things to mention when you get a quote:

  • Are there any discounts for limited mileage policies?
  • Can you add a named driver?
  • What are the excesses? Can you adjust these to reduce the premium?
  • Are there any discounts if you fit extra security, like locks and tracking devices
  • Are the non-fixed contents, such as TVs and kitchen equipment, inside your motorhome covered against theft or damage
  • Is the cover ‘like for like’ or ‘new for old’?

Shopping around for motorhome insurance made easy

Motorhome insurance is a little more specialist and therefore complicated than standard car insurance. Complete online quote forms or ring around several insurance companies to get as many quotes as you can. Or get an experienced independent broker, like Park Insurance, to do the legwork for you. We are not tied to any one insurance company, so we are free to shop around to find you the genuinely most competitive price. As preferred brokers for many of the UK’s leading insurance companies, we’re in a very strong position to negotiate hard on your behalf. That means we can secure value for money prices that you just won’t find on the high street.

Whether you drive a high-end Winnebago or a more modest conversion, call our experienced team for a free quote on 0117 955 6835 or get in touch.

Motorhome insurance tailored to your needs:

Our motorhome insurance packages are designed to give you confidence when you’re at home and on the road:

  • Agreed value cover – many insurers will only pay out the ‘market value’ of your motor home if you suffer a total loss. We can assess your vehicle and agree on cover for its true value, so you won’t get a nasty surprise if you need to make a claim.
  • Specialist schemes – covering RV American-type vehicles and high-end European models. We can offer affordable insurance cover for the high quality and larger vehicles that our competitors shy away from. So if you have a Burstner, Winnebago, Lord Munsterland, Roma, Adria, Hobby, Hymer or other specialist vehicle, please give us a call.
  • Limited Mileage discounts – the fewer miles you drive, the more you can save, from as little as 3,000 miles.
  • Modified / converted van cover – we can provide like-for-like cover for your modifications. Converted and Self-converted vans and buses can be covered too.

What other insurance options should I consider?

Depending on the extent of your planned travels for 2018, there are other essential insurance add-ons you could include. For example:

  • Abandonment insurance – this covers costs of extra accommodation or unused travel costs if your trip is delayed by over 24 hours, because of things like strikes, bad weather or technical breakdown
  • Missed departure insurance – this is designed for travel outside the UK. It pays out the extra costs involved if you need to rebook your travel or for extra accommodation costs if you miss a ferry or the Eurostar
  • Medical cover for you whilst you’re away. Many standard medical policies, for example, those provided through your bank, may have a limit on the duration of your trip. If you’re planning to be away for more than 30 consecutive days you’ll need to make sure you opt for extended travel cover.
  • Pet care – if you’re travelling in your motorhome with your pet, take out extra insurance that will cover their medical treatment whilst you’re abroad. It also covers repatriation costs if you have to return home suddenly because of an accident or illness.
  • Personal belongings cover – for your baggage and personal items
  • Key cover – in case you lose your keys

Call our friendly motorhome insurance team for a free quote on 0117 955 6835 or get in touch.