Winter for some motorhome owners means putting their pride and joy to bed. But for others, it’s the perfect time to continue their adventures and take advantage of quiet and low-cost campsites.
Motorhome insurance is there to protect you from all kinds of accidents and risks but what are the common claims in the winter months? We’ve delved into our motorhome claims records to see what the top perils were last winter and discuss if there’s anything you can do to avoid them.
Top three motorhome insurance claims
1. Window damage
Fifty-two per cent of claims were for damage to motorhome windows, with just over half of those being to the vehicle’s windscreen. Many of these are from stones flying up from the road and hitting the windscreen, causing chips and cracks.
Top tips: Keep your distance to minimise stones or other road debris being thrown up from other vehicles in front of you. Keep a minimum of a car’s length for every 10 miles per hour you are travelling (i.e. approximately your thinking distance). Also, watch your speed, particularly on newly dressed roads. The faster you go the greater the impact and damage caused by any object hitting your motorhome.
Keep a regular check on your windscreen to make sure any small chips don’t grow into bigger cracks and more expensive damage. Get any chips repaired immediately so they don’t expand, and don’t wash your windscreen or apply any pressure to the chip. Remember if your motorhome windscreen can be repaired, it won’t cost you an excess or affect your no claims discount on our insurance policy.
Avoid pouring boiling water water onto the windscreen to defrost it as this can cause damage or make existing damage such as chips even worse.
2. Accidental damage
From manoeuvring mishaps to a pheasant flying into a motorhome, and collisions with other vehicles, 39 per cent of motorhome insurance claims were for accidental damage. There were many instances of bumps and scrapes with trees, gateposts, and barriers but in some extreme cases, motorhome damage was caused by driving under a low bridge or hitting a deer which had run into the road.
Top tips: To prevent manoeuvring mishaps and those little bumps and scrapes, take care when driving into tight spaces, down narrow country lanes or when reversing. It’s always worth asking a family member or friend to watch your back when reversing your motorhome or investing in a reversing camera or sensors.
The third most common claim was motorhome theft – accounting for three per cent of claims recorded from November 2017 to the end of March this year. Some motorhomes were stolen after a break-in at the home address or whilst the owners were away. We are seeing a slight increase in motorhome thefts, so it’s well worth being extra vigilant over the winter period – those long dark winter nights are a thief’s best friend.
Top tip: To prevent motorhome theft, make sure you activate any security devices whenever leaving your motorhome unattended. Physical security devices, such as steering wheel locks will not only make it more difficult for thieves but might also make them think twice. A tracking device will also help to recover your motorhome if stolen and some send an alert if the vehicle is moved or tampered with.
Remember, we also offer motorhome insurance discounts for approved active tracking devices, as well as reversing aids, sensors or cameras. Some customers even fit both! See our motorhome tracker page for the types of devices you could fit.