When selecting motorhome insurance there are lots of considerations. Policies can vary considerably so if you want to ensure that you have the correct cover for your circumstances never rush into what seems to be the cheapest motorhome insurance policy, shop around and compare.
You may want to consider how you will be using your motor home. If travelling around Europe then of course you will need ensure European cover is selected. Even if Europe cover included in the policy you should check how many consecutive days protection is included annually. This could vary depending on your chosen insurer with some offering more days cover than others. With European cover check to see that if you break down whilst touring your policy will take you onward to your chosen destination, the motorhome itself would be recovered and repaired and if it became necessary to stay in a hotel, that some or all of this expense would be reimbursed to you. And of course cover for driving on continental roads.
Is the policy new for old? This would mean that you would get contents replaced at today’s prices and some motorhome policies will also completely replace your motorhome with a brand new one if it was stolen and not recovered or damaged beyond economic repair. However there are often limitations on the new for old cover so it is essential to ask your provider for exact details.
When travelling around in your motorcaravan a lot of your belongings will be with you and it is sensible that you check if these are adequately covered by your particular policy. You may have for example clothing,, bedding, externals such as awnings, gas bottles, bicycles etc and if these were to be stolen or damaged it could add up to a significant amount of loss. The majority of insurance policies for your motorhome will include contents insurance cover but they will usually have upper limits, so please do find out before buying. You may also wish to consider personal accident insurance, this could include legal and / or medical expenses if you were involved in an accident, particularly important while abroad.
Finally, help yourself to cut down on the cost of motor home insurance. For instance the less attractive to thieves your motorhome is seen to be the lower the premium is likely to be. Installing devices such as alarms, steering wheel locks, wheel clamps or maybe even a tracking device could keep the cost of the policy down. Offering to pay a higher than standard policy excess can also make a difference.
As always, it can pay to shop around.