Motorhome Insurance

Depending on the level of insurance cover you take out, there may be additional cover that is included with your specialist motorhome insurance. For instance when you take out Comprehensive insurance the below is include with that level of cover:

• Increased Personal Belongings Cover.
• Awnings Cover.
• Extended cover for EU trips

Third Party Only (TPO) – The minimum legal requirement available for motor insurance.

• Will cover damage to other people’s vehicle/property.
• Injuries to passengers or animals, and other people involved.
• Accidents caused by other named drivers on your policy or passengers.

TPO insurance will NOT cover any damages to your own vehicle or injuries sustained because of a fault claim. There will also be no cover in the event the vehicle is lost via Theft or Fire.

Note – Not all insurers will offer TPO cover and if it is offered it may have a maximum value restriction.

Third Party, Fire & Theft (TPFT) – As TPO but with some additional covers:

• Cover included if your vehicle is Stolen, Damaged or written off by fire damage.

TPFT insurance like TPO will not cover you for damage to your car or an injury you might suffer if it is your own fault. If offered, it may have a maximum vehicle value restriction.

Comprehensive – Covers all as per TPFT alongside some additional covers:

• Will cover damages to your own vehicle.
• May cover damages to your windscreen.
• May cover for personal contents in the car.
• Medical costs only following a fault accident (up to a specified amount)

You can add optional extras to your specialist motorhome insurance, some of the extras you can add are listed below. If there’s anything else you’d like to know about, call us to get a quote, we’ll make sure you receive the right insurance cover for your motorhome.

• Optional breakdown cover
• Legal Expense Insurance
• Excess Protection
• GAP Insurance

Joining a recognised club like “The Caravan and Motorhome Club” can help this and if possible avoid on-street parking.

When you import a Japanese car into the UK, you’ll need to:

• Inform HMRC within 14 days of the car entering the UK,
• Pay VAT or duty on the car,
• Get the vehicle approved to ensure that it meets UK environmental and safety standards,
• Register the car with the DVLA to get your registration number and further get a UK number plate.

There are a range of different motor insurances types we provide, including modified car insurance, chauffeur insurance, classic car insurance, campervan conversion insurance and car insurance for Japanese imports.

Motorhome Insurance is crucial because it offers financial protection against a variety of risks. Your motorhome is a significant investment, often costing tens of thousands of pounds, and it serves as both a mode of transportation and a living space. Without proper insurance, you could face substantial out-of-pocket expenses in the event of an accident, theft, or damage. Additionally, the UK requires motorhome owners to have insurance to legally operate their vehicle on public roads.

You need Motorhome Insurance as soon as you purchase your motorhome and plan to use it on public roads. Whether you’re embarking on a cross-country adventure, using it for weekend getaways, or living in it full-time, having insurance is essential. Even if your motorhome is parked or in storage, insurance can protect against risks like theft, vandalism, or natural disasters.

Motorhome Insurance is necessary for several reasons:

• Legal Requirements: Motorhome Insurance is a legal requirement in the UK should you want to drive your vehicle on the road.
• Financial Protection: It covers the cost of repairs or replacement if your motorhome is damaged or stolen.
• Liability Coverage: It protects you from financial loss if you’re responsible for an accident that causes injury or property damage to others.
• Peace of Mind: Knowing you’re covered allows you to enjoy your travels without worrying about potential mishaps.

Our Motorhome Insurance can offer numerous benefits, including:

• Comprehensive Coverage: Protects against a wide range of risks, including accidents, theft, fire, and natural disasters.
• Personal Belongings Coverage: Covers the cost of replacing personal items inside the motorhome, such as electronics, clothing, and camping gear.
• Emergency Expenses: Provides coverage for temporary living expenses if your motorhome is unusable due to a covered event.
• Roadside Assistance: Many of our policies can include services like towing, battery jump-starts, and flat tyre changes.
• Customisable Policies: At Advance we can tailor your coverage to your specific needs, including options for full-time living, international travel, and more.