Top tips & FAQs
"Take Cover!" - What to look out for when shopping for motorhome insurance cover.
Your motorhome is probably one of the most expensive purchases you'll ever make and that means it's worth protecting with specialist insurance to provide cover should the worse happen.
Motorhome insurance specialist Caravan Guard recently carried out research with one of the UK's largest motorhome dealerships which showed a third of customers had not taken out specialist cover to drive off the forecourt, instead choosing a standard car insurance policy.
"This can lead to several problems", says Craig Thompson, Caravan Guard's Marketing Manager.
"For instance many specialist policies offer new for old cover for motorhomes beyond 12 months old. This gives the peace of mind that if your 18 month old motorhome was written off or stolen and not recovered, your policy would replace that vehicle with a brand new motorhome of a similar value and specification subject to you insuring at the brand new replacement cost (and meeting acceptance criteria). Cover for your motorhome equipment can be included through a specialist policy too.
On the other hand insuring through a standard motor policy would probably exclude these 'specialist' benefits leaving you as a motorhome owner exposed to large potential losses when making a claim for theft or damage", Thompson adds.
Motorhome owners also need to consider breakdown cover, which is often thrown in when buying motorhome insurance cover. One question to ask the insurance provider when discussing breakdown cover is if their breakdown service can cater for the weight and length of your motorhome.
Discounts will have a massive impact on your premium. Specialist providers will offer you up to 65% no claims discount. It's also worth looking out for security discounts, with Caravan Guard offering a range of discounts of up to 35% if you protect your motorhome against theft.
Some providers such as Caravan Guard give you the chance to make savings by tailoring cover to your needs. Excluding cover to take your motorhome abroad, agreeing to drive less than 9,000 miles per annum in your motorhome or increasing voluntary excess are all options to shave pounds off your premium.
Mr Thompson concludes, "For the best levels of service, it remains best practice to talk to specialists who have designed the insurance product to suit your requirements as a motorhome owner".
Click here to request a motorhome insurance quote from Caravan Guard
Simple and easy
to arrange
Just one call to Caravan Guard can put you on cover immediately - no struggling with complicated application forms.
You have the option to pay monthly by direct debit or annually by card.
Your policy is issued the same day and comes with the reassurance of a 14 day money back refund.
Call 08452 77 70 70
Local call rate from landlines. Mobile users may wish to call 01422 396 769