If you’re in the market for a shiny new motorhome this new year, you may be anxious to find out how much your desired model will cost to insure. If this is the case for you, one thing you should pay extra attention to is the types of safety and security features a motorhome has fitted, particularly those that offer insurance discounts. You may find several features that the manufacturer or dealer has fitted or can fit as an optional extra. Below we go through some of these features. We also present how you could retrofit security to lower your premium.
Motorhome discounts available
If you’re insured with Caravan Guard, you’re eligible for a 2.5% discount if a motorhome has a reversing camera fitted. As for security, with an immobiliser fitted you get 15% off but if your new motorhome also features a Thatcham Category 1 approved alarm system you would receive a 19% insurance security discount.
Better still you would get a huge 25% off if your chosen motorhome is fitted with an approved tracking device.
2015 motorhomes with the best insurance discounts
We’re yet to find a new 2015 motorhome without an immobiliser fitted as standard. Having one fitted means you receive a 15% insurance discount with Caravan Guard.
That said, every model in Swift’s 2015 ranges – including Rio, Esprit, Bolero and Kontiki and models marketed under the Escape and Autocruise brands – is fitted with a Battery Powered Tracker Retrieve tracking devices, for which Caravan Guard offers a 25% insurance discount.
The 2015 Swift Esprit is available with a 25% discount
Reversing cameras also generate insurance savings
The Swift Kon-tiki comes with a twin view colour reversing camera as standard giving buyers a further 2.5% discount
Other manufacturer options
If your new motorhome doesn’t have any standard fit security other than an immobiliser, you could lower your insurance costs even further by choosing optional extra packs offered by many manufacturers and usually very popular with buyers. For instance the “Comfort Pack” from Autocruise or the “Vogue Pack” from Swift each include reversing cameras. The “Premium Pack” is also available from Auto-Sleepers. European motorhome manufacturers such as Hymer and Adria also offer reversing camera, alarms and trackers as optional add-ons.
Elddis give buyers of the Autoquest or Accordo ranges the option of adding a Thatcham Category 1 approved alarm system (19% discount) as a factory fit, whilst reversing cameras can also be specified as an option on any of its motorhome ranges.
Prefer to retrofit security?
If you’re not looking for a brand new motorhome in the new year or your new motorhome doesn’t have standard fit security, you can still enjoy the same safety and security insurance discounts if you retrofit devices such as reversing cameras and tracking devices. Speak to your dealer for further details and remember to contact us if you make any modifications to your motorhome.
If you do retrofit a security device such as an alarm or tracking device to lower your motorhome insurance premium be sure to check that it meets your insurer’s requirements. For instance Caravan Guard ask that a retrofitted immobiliser is Thatcham Category 2 approved, an alarm is Thatcham Category 1 approved and a tracking device is either Category 5 or 6 approved.
What security devices did your motorhome come with? Have you considered adding more. Let us know by adding a comment below.
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Note: All details correct at time of publication but may be subject to change.