Motorhome Insurance For Over 50s

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.

Our Over 50s Motorhome Insurance differs from standard Motorhome Insurance in several key ways:

• Tailored Coverage: Policies are specifically designed to address the needs and concerns of older drivers, such as extended coverage for medical expenses and personal belongings.
• Discounts and Benefits: Many of our insurers can offer discounts for experienced drivers, no-claims bonuses, and additional perks like breakdown assistance and legal cover.
• Flexible Terms: Our policies often can come with more flexible terms, allowing for seasonal usage and extended travel periods, which are common among retirees and semi-retirees.

Motorhome Insurance is not only a legal requirement, but also very beneficial, especially in the following scenarios.

Extended Travel: For those who enjoy long trips or seasonal travel, our policies can provide the necessary coverage and flexibility.

Retirement Adventures: Retirees who have more time to explore and travel can benefit from the tailored coverage and additional perks.

Peace of Mind: Knowing that you have comprehensive coverage designed for your specific needs can provide peace of mind, allowing you to enjoy your travels without worry.

This type of insurance is necessary in the following situations:

Ownership of a Motorhome: If you own a motorhome and are over 50, this specialised insurance ensures you have the right coverage for your vehicle and lifestyle.

Frequent Travel: For those who frequently travel or live part-time in their motorhome, having comprehensive and tailored coverage is essential.

Health Concerns: Older drivers may have specific health concerns that require extended medical coverage, making this specialised insurance type a great choice.

Valuable Personal Belongings: If you carry valuable personal items in your motorhome, having coverage for personal belongings is crucial.

Yes, many of our insurers can offer discounts for drivers over 50 due to their experience and lower risk profile. Discounts may also be available for safe driving records, membership in motorhome clubs, and installing safety devices.

Yes, most of our Over 50s Motorhome Insurance policies can include coverage for personal belongings, but it’s important to discuss this with our team to ensure it’s included in your policy.

Contact us or your insurer directly as soon as possible. Our dedicated claims team will guide you through the process, which typically involves providing details of the incident, any supporting documentation, and possibly an inspection of the motorhome.

You can reduce premiums by maintaining a clean driving record, installing security features, choosing a higher excess, and taking advantage of any available discounts.