Insurance for Motorhomes
For many of us, owning a motorhome would be like winning the lottery and perhaps this is why you tend to see older people driving them.
Maybe this is because its only when you no longer have the burden of a mortgage or children sucking you dry that this life time dream can become a reality.
These mighty beasts can be extremely expensive and apart from buying a property these vehicles are probably the next most expensive thing you will ever own, apart from that snazzy little sports car of course.
Getting adequate insurance for motorhomes
is vital and worth taking a closer look at those companies who specialise in motorhomes and campervans. An extension to your normal current car insurance policy may not be sufficient in covering the special needs of your motorhome.
To start with, it seems that some motor insurance companies don’t always appreciate that the cost of some of these vehicles can be almost as expensive as a bricks and mortar property.
However, the insurance for a motorhome can be different to your house insurance and just as an example and a factor to consider, is that some of these motorhome vehicles don’t use a normal fuel like petrol, they run on LPG or a mixture of and therefore there is a possible heightened risk of a gas explosion, albeit a small risk but a risk that needs to be considered.
Other things to think about when considering insurance for motorhomes is that just like your car, it is at the mercy of dreadful road conditions not only here in the UK but also in Europe. If you enjoy extended travelling be aware that an insurance policy may not cover you for damage to tyres or wheels caused by that “I saw it too late pothole”. Your motorhome is just like an extension of your home and its probable that many of the items you enjoy at home will also travel around with you, things like laptops, TVs, cash, credit cards, Sat Navs, bicycles, BBQs, the list is endless but as we all know, many of these items are quite expensive and unfortunately are just the kind of goodies that attract the toe rags who would love to part you from them. A tip here, and from personal experience, try to make an inventory list of the valuables you have on board, large and small, because in the event of making a claim you may well be unable to remember or identify items that are missing. For example, It can sometimes weeks or even months before you realise that expensive pair of sum glasses have gone missing but it’s too late now to amend your claim.
Getting good cover is paramount so you need to discuss your needs with a company who specialize in insurance for motorhomes to ensure you get the best protection to suit your individual needs. If you decide to take your vehicle on an extended trip to Europe say then as with any insurance quote, always check the small print to confirm that you are completely covered and particularly check how many days you are covered for per trip because some insurers may stipulate the maximum number of days of cover. Insurance cover is about giving you peace of mind knowing that your very valuable asset, your motorhome, is protected inside and out, so take a closer look at the key features of the Insurance for Motorhomes policy and once you are satisfied, relax and enjoy the ride.
