Everyone loves going on holiday, however making sure that you’re covered and completely safe does require a little forward thinking, especially when it comes to ensuring that your motorhome is insured.
Do I Need Motorhome Insurance?
The short answer is yes. In the UK, motorhome insurance is a legal requirement.
Unfortunately, no matter how careful you are, things can go wrong and for your peace of mind, you should find yourself a policy that gives you the comfort that you are protected.
You cannot drive a campervan or motorhome on a standard car insurance policy, nor will a standard van insurance policy give you the cover you need.
A specialist insurance policy for motorhomes is the best cover to opt for.
The Benefits of Motorhome Insurance
Motorhome insurance provides cover for your leisure vehicle. If you are used to driving a regular car rather than a large vehicle like a motorhome, this can seem like a daunting experience, however, having motorhome insurance can give you the comfort that you have specialist cover should an accident occur.
You’ll have the peace of mind of being able to make insurance claims as and when you need to should the worst happen. You’ll also find that some insurers will assist with accommodation costs, and will offer European breakdown cover when needed.
Some insurance providers will also provide you with a free green card, which will allow you to travel throughout Europe.
What Is The Difference Between Car Insurance Cover, Van Insurance Cover and Motorhome Insurance Cover?
A specialist campervan insurance policy covers damage and other eventualities that are unlikely to be included in a standard car or van insurance cover.
A motorhome insurance policy may include:
- Contents and personal effects cover, personal belongings and valuables stored in your motorhome, including TVs, microwaves, camping gear and more.
- Overseas travel insurance & European cover.
- Agreed-value cover, meaning that your insurer will pay a predefined amount in the event of a claim. This is particularly useful if you drive a classic or vintage campervan.
- Cover for gas canisters and heaters, and any damage they may cause.
You may also find that insurers offer extra cover in the form of breakdown cover, excess protection, key protection coverage, and accidental damage including floor damage.
What Types of Motorhome Insurance Are Available?
Typically, there are three main types of car insurance cover and this is also a similar case with motorhome insurance.
Fully Comprehensive Cover
The first level is fully comprehensive insurance cover, which will protect you from accidental damage or vandalism. Full comprehensive insurance also covers fire damage and theft, and any third-party damage caused or injury.
Third Party, Fire and Theft Cover
The second level of cover is third-party, fire and theft. As the name implies, this covers injury damage caused during an accident, along with fire and theft.
Finally, you can also get a third-party-only cover. This will only cover third-party damage you cause whilst driving your motorhome.
This type of motorhome insurance is the minimum amount legal requirement to drive your motorhome.
How Much Does Motorhome Insurance Cost?
The cost of your motorhome insurance depends on a variety of factors including:
- The engine size,
- Whether or not it is stored in a secure location, storage facility or locked garage,
- Your previous driving record,
- Security features the campervan has,
- Whether you use it for your daily commute or just holidaying,
- Annual mileage.
The price of your insurance premiums will also depend on the level of campervan insurance you wish to take out. Insurance costs can differ based on whether you pay monthly or annually, if you belong to an owners’ club, the level of security features you have or even if you take a safe driving course. It is best to check this with your insurer of choice, as the factors that impact insurance costs with differ.