Tim Lemon, Author at DerbyMotorhomes

Hand in hand with the business of selecting a motorhome goes the need to decide how you will pay for it.

The first is typically something that most people find extremely exciting. The latter is sometimes more daunting for some buyers. The good news is that, in the vast majority of cases, the process is relatively straightforward and not one to be feared because here at Derby Motorhomes we can help make it an entirely smooth process.

There may be a number of options open to you in terms of funding your motorhome – and we are always keen to try and ensure that you understand the pros and cons of your various choices of finance. That’s why we have produced the following brief motorhome finance guide.

So, let’s take a closer look at what is involved in motorhome finance and just what are your options.

Please note that the information used within this guide should not be deemed as financial advice.

Using your own capital to finance a motorhome

For many of us, this might be intuitively attractive.

In some respects, it is the easiest option and the one that offers you the least amount of work. Some buyers also prefer this method because it means they are free from a debt and more independent as a result.

While we would never argue against that, it is worth keeping in mind, though, that it isn’t always necessarily the most advantageous route. For example, if you suddenly needed cash for an emergency, having your money tied up in a motorhome or any other asset, may mean you’ll require some time to free it up.

That is because spending your savings on the purchase of a motorhome removes liquid capital from your financial reserves.

That simply means that once you have invested your capital into a motorhome, if you need cash in a hurry to deal with an emergency, it is no longer immediately available to you. While good pre-used motorhomes are typically always in high demand, it may still take time for you to convert your vehicle into cash should an emergency arise.

It’s therefore worthwhile thinking a little about whether using your own money is the most sensible or prudent option – or whether you might want to consider borrowing the necessary funds.

Borrowing to finance a motorhome

Borrowing the money to purchase your motorhome means finding a lender prepared to advance the loan or extend the credit.

Perhaps the first point to keep in mind is that lenders are keen to find reasons to say “yes” to any financing application – that is their business, after all. But that business interest means, first and foremost, their determination to recover any finance that is lent.

While a lender is going to welcome an application, they will invariably require a credit history check – for confidence in your ability to make the necessary repayments. Credit checking is also a condition of the lender’s authorisation by the Financial Conduct Authority (FCA).

This validation process is also known as a credit risk assessment, though having a few minor problems on your credit history is not always a showstopper. Some of the brokers we use understand that very few people these days have an entirely blemish-free credit history record. That said, any motorhome finance provider will reserve the right to decline an application if they feel it is not in your best interests.

The vehicle’s valuation and sum requested

As you might expect, any provider of motorhome finance will need to protect their interests in terms of being sure that the sums they are advancing make sense against the value of the asset concerned.

What this means is that they will be reviewing the price you are proposing to pay for the motorhome against their own industry-standard valuations of such vehicles.

This is rarely a problem and exists for the protection not only of the potential lenders but also the applicant in terms of avoiding you paying more for the vehicle than it is worth.

Our services

We work with some of the leading motorhome finance providers in the UK.

Thanks to that network of contacts, our aim is to offer a wide range of motorhome finance options – each of which have their unique advantages and issues. A solution that is suitable for one buyer might not be optimal for another.

We would be happy to sit down and discuss just what your options are in a given situation. We will then typically be able to assist you in finding a motorhome loan package that’s both suitable and cost-effective.

Motorhome finance options

So, let’s take a brief look at some of those different finance options:

Personal loans

this involves you borrowing a sum of money from a bank or other funds provider;
you then purchase a motorhome using that loan and the vehicle is immediately and legally yours;
you repay the loan over the period of time that you have agreed with the loan provider;
personal loans may be secured or unsecured – and if security is required, this typically takes the form of a charge over the motorhome itself in favour of the lender;
that allows the lender to repossess the motorhome (or whatever else you have used as security) in the event you defaulted on your repayments.

Hire purchase

Hire Purchase (commonly shortened just to HP) involves the lender purchasing the vehicle and then allowing you to use it as if it were your own – under the auspices of your designation as the “registered keeper”:

typically, you’ll need to find a deposit as your contribution towards the overall cost – the amount of the deposit is likely to be around 10-15% of the purchase price;
you will also need to demonstrate to the funds provider that your overall financial position is such that you will be able to comfortably afford the monthly repayments – and that is usually done by way of the credit risk assessment to which we have already referred;
each month you will make a regular repayment to the provider of the funds – with the term of the agreement typically extending over a number of years;
once you make the final repayment, legal ownership of the motorhome transfers to you.

There are typically very few restrictions on what you can or cannot do with your motorhome when purchasing it under HP – but you cannot sell the vehicle without the advance permission of the provider of the funds because it really isn’t yours to sell until you’ve made that final repayment.

Personal Contract Purchase (PCP)

PCP is where you put down a deposit (which can be cash, part exchange or a combination of both);
although regular monthly payments are then made, they effectively represent only the value of the lease of the vehicle;
the lender defers, until the end of the agreement, an amount roughly equal to its future value and guarantees to this (subject to you meeting the pre-set terms of the agreement);
so, if all terms are met, you can simply hand the vehicle back to the lender at the end of the agreement or pay the lump sum to own the vehicle outright – or part exchange it for another.

Equity release

In some circumstances, you may be able to borrow money against equity that you have in another asset.

let’s say, for example, that you own a property realistically valued at £300,000 and an outstanding mortgage on it of £50,000;
that means, broadly speaking, that you have £250,000 equity in your property;
some lenders may be prepared to advance loans, using your property as security, providing the equity exceeds the amount you are looking to borrow;

It is worth remembering that your property may be at risk if you are unable to continue the repayments against any loan secured against it.

Derby Motorhomes for motorhome finance

Thanks to the in-house expertise and experience we offer here at Derby Motorhomes, there is no need to look any further for your specialist motorhome finance. Not only are we one of the leading dealers for Auto-Sleeper motorhomes in the UK but we also aim to arrange the finance you need buy putting you in touch with reputable lenders.

If your personal financial status is backed by a healthy credit history, so much the better. But even if it less than perfect – and you have experienced difficulties with borrowing or credit in the past – you may still be able to find the finance deal that puts you behind the wheel of your new motorhome in no time at all.

Why not get in touch today to find out more?

Further reading: Financing your Auto-Sleeper purchase

We are proud of our long association with Auto-Sleepers and make no secret of our admiration for their vehicles.

In what follows, we’ll outline some of the reasons for that and why Derby Motorhomes is proud to offer them to our customers for their consideration.

Quality

The first thing we have to mention is, of course, the very highly regarded reputation of Auto-Sleepers for build quality. This covers every element of their coachbuilding and van transformation services, as well as their commitment to no compromise on getting it right.

Unsurprisingly, that has a direct relationship to how often you, as a potential buyer, will need to get things looked at and attended to after purchase. From our lengthy experience, we know that these vehicles typically don’t cause post-sales issues for our customers and that means we are protecting the interests of those same customers when we recommend Auto-Sleepers to them.

Excellence in design

Of course, important as build quality is, nobody wants it to result in a rather Spartan motorhome that looks fit for purpose in a utilitarian sense but which also manages not to catch the eye!

The Auto-Sleepers range sets the bar high in terms of innovative design and attractiveness. Their interiors are stunningly modern and also offer a range of options that will allow you to select the décor you feel suits your personality. There is no question here of you having to put up with a single option by way of what their designer thought you should appreciate.

Looks are not the only consideration though and the functional quality of these designs is fantastic. When you are inside an Auto-Sleepers motorhome, it’s almost like being in a small boutique hotel where everything not only looks good but performs excellently too.

For example, some of the kitchen and cooking equipment is simply stunning and of a type and quality you might normally associate with a luxury apartment rather than a motorhome.

Financial sense

A combination of the things mentioned above leads to a situation whereby Auto-Sleepers vehicles are highly sought after and that includes within the pre-used motorhome marketplace.

The result of that is that they tend to have an excellent residual value model, depreciating less than numbers of other models.

This Cotswold based company doesn’t target the bottom end of the marketplace in terms of its pricing model and nobody is pretending that they are the cheapest motorhomes around. However, if you’re looking at the financial position from a balanced perspective, taking into account depreciation, Auto-Sleepers might make sound common sense.

Customer feedback

As you might expect and even demand, we take the feedback that we receive from our customers very seriously.

We know from many years of after-sales discussions with our customers, just how happy they are with Auto-Sleepers. That gives us on-going confidence in terms of our recommendations.

Power plant

Having a superb piece of coachbuilding isn’t necessarily going to be massively impressive if it sits on a middle-of-the-road and decidedly average power plant and chassis.

Auto-Sleepers only use prestige plants from Peugeot and Mercedes-Benz. Yet again, there is no compromise on quality there either.

Summary

We recognise that there are many factors to take into consideration when you are purchasing a motorhome. We will be only too happy to look at those objectively with you and to see whether or not there is an Auto-Sleepers model that will be ideal for your requirements.

Think numbers

The optimal motorhome layout might depend upon just how many people there will be on your trips.

In situations where there are four adults (or grown-up children) regularly aboard, you may really appreciate fold-away beds and much more dining space in the living area.

On the other hand, if you are a couple with perhaps the odd trip involving your grandchildren for example, then your motorhome layout thinking might be quite different.

True, you shouldn’t size your motorhome and select configurations based on perhaps one trip every 12 or 18 months with others aboard. But if you’re planning to invite other people with you on a regular basis, it should be taken into account in your configuration design and selection.

Your home on wheels

The precise layout of your motorhome will go a long way to maximising the usable space within the vehicle, the way you intend to use it, and the number of people you expect to accommodate.

A motorhome is your home on wheels, so there is an inevitable trade-off or compromise between interior spaciousness and the need to negotiate the vehicle on the roads – which might often be narrow, twisting, or occasionally congested city streets.

Just remember that even motorhomes that are a similar overall length may differ in both height and width to allow a layout which offers more in the way of usable space inside.

So, whether you are looking for a sufficiently agile and manoeuvrable motorhome to use for touring off the beaten track or a sufficiently spacious and luxurious second home which to which you return as your base each day, there are plenty of layout options from which to choose.

Let’s take a closer look at some of the considerations involved.

The overall size of your motorhome

Remember that the smaller the motorhome you select, by and large, the more compromises you might have to make on internal living space. That’s something that might affect aspects of your motorhome layout.

For example, some motorhome owners prefer lots of living room and kitchen space but are more than willing to compromise on sleeping area dimensions. That’s fine but in the case of say over-cab sleeping accommodation, keep in mind that headroom will be restricted and also one partner will have to climb over the other if they need to get up in the middle of the night.

Sleeping arrangements

The degree of flexibility that now exists in terms of choosing sleeping layouts is phenomenal. Even so, not all of them will necessarily appeal to everyone.

For example, if you have two smaller children or grandchildren you take on trips, then you may be very attracted by the idea of bunk beds. If you don’t, then that type of sleeping accommodation may be largely irrelevant in terms of your requirements.

Things you may wish to consider might include:

how many berths;
single or double beds;
where the sleeping areas will sit in your motorhome (at the rear, central areas etc.).

Some options may allow you to keep the bed permanently in place whereas others will allow it to be converted into additional seating accommodation in your living area.

Although tastes and preferences obviously differ, it’s probably fair to say that many people would suggest that fixed beds are more comfortable than those which fold away.

If you are someone or a couple who really values the ultimate in comfort for a great night’s sleep, then it might be better to opt for fixed beds. On the other hand, if you can sleep on the head of a pin, then folding beds may give you much more legroom during the day.

Kitchens

The size and configuration of kitchen areas may also vary considerably between models.

The equipment level contained in many motorhome kitchens is now staggering.

There are often quality appliances and ones which would grace even a conventional kitchen in a main home, as well as specially-designed motorhome gadgets that are economical in their use of space.

If you are someone who really enjoys cooking, wherever you are, then you may be prepared to sacrifice something like fixed beds or larger sized shower facilities in order to have a substantial kitchen.

On the other hand, not everyone goes on a motorhome holiday with the intention of cooking cordon bleu cuisine. It may be that you prefer eating out or preparing basic meals on minimalist kitchen equipment. If that’s the case, picking the right motorhome for you might involve deciding to reduce the amount of floor space allocated to your kitchen and deploying it instead to living or sleeping areas.

You might also want to think about where the kitchen sits in your motorhome. Some people like it at the very back, well out of the way of everything else, whilst others prefer it conveniently located mid-vehicle near the main sitting area.

WC’s and showers

This is one of the areas where individual requirements are most likely to vary. It’s not unusual to hear people say they’ll go for the smallest option possible and use the space saved elsewhere. In practice though, that doesn’t necessarily suit everybody in real life.

Some people just don’t like cramped spaces when they are trying to take a shower and very restricted spaces in these areas can be an issue for larger people. It’s certainly possible to opt for smaller solutions but think it through first and be sure that it’ll result in something you’ll be comfortable with.

It’s entirely possible to have a fully functioning WC contained within your motorhome. What is less commonly known, though, is that it’s also possible to have a normal shower too.

Some people prefer to have the WC and shower room as two separate units. That takes up more space, of course, but it does mean that the two can be used simultaneously.

Still others are less concerned about having a full-sized shower and would prefer instead to use that space for other purposes within the motorhome, being happy to use the communal shower facilities on the campsite.

Once again, your individual requirements can almost always be accommodated providing you select a motorhome provider who is able to offer the appropriate design flexibility.

Popular layouts

With some of these design and configuration considerations firmly in mind, therefore, let’s see how it all translate into practice, so that you are ready to pick your way through some of the most popular types of motorhome layout. And, once again, it is worth stressing that the imagination and ingenuity of contemporary designers, gives you an amazing selection of different motorhome layouts to suit a variety of personal preferences and uses:

Campervans

as the smallest in the stable of motorhomes, campervans are perhaps the most challenging for layout designers;
typically, the forward driver’s and passenger seats swivel around to face the interior, there is a bench seat at the rear – which converts into the bed – and a small galley and cupboards arranged along the side;
yet even within the relative confines of a campervan, there are variations on the theme and you have a wide choice when it comes to selecting the layout that suits your purposes;

French bed layout

also designed to maximise space in smaller motorhomes is the so-called French bed layout;
it is smaller than a regular, fixed double bed because the corner is rounded off to allow greater access around it – it is also an alternative to an island bed when space is at a premium;

Fixed bed layouts

as you move up in the overall size of your motorhome, it becomes possible to have fixed beds rather than those which pull down or convert and which you have to make up at the end of each day;
fixed bed layouts may feature a double bed or two singles – depending on the layout – and are prized for the comfort and convenience they bring to life in your motorhome;

End kitchen layout

if you are looking for a motorhome that serves as a home away from home, you might want to consider the luxury of a spacious end kitchen layout;
by putting the kitchen across the rear of the vehicle, you may achieve a fully-fitted kitchen – with an oven, multiple hobs, workspace and room for a fridge;

End bathroom layout

perhaps even more luxury can be found in having the bathroom at the rear of your motorhome;
it makes room for the toilet, hand basin and walk-in shower – all creature comforts that are likely to make your motorhome a comfortable yet mobile second home.

With layouts for all occasions, uses and personal tastes, choosing the one that suits you may be as important as picking the motorhome itself.

Whether you are the proud new owner of a motorhome or a seasoned old hand, you almost certainly share a particular and important concern – and that is the need to insure your motorhome.

Motorhome insurance

Motorhome insurance is not just a recommendation; it is required by law the moment you take the vehicle onto the roads or drive it in any other public space.

The minimum legal requirement is for third party insurance. The reason for this minimum standard is simple – so that you have insurance to guarantee compensation to other road users or members of the public whom you injure or whose property you damage. Third party insurance, therefore, offers protection to those who suffer any loss because of your driving but in no way protects against loss or damage to your motorhome.

A modicum of additional protection may be provided by very basic motorhome insurance cover for third party, fire, and theft insurance – which adds some protection against the loss of your motorhome through fire or theft.

For the security of protection for any motorhome, you are almost certain to need the full insurance cover. And that means cover against all manner of theft, loss, and accidental damage – afforded by comprehensive motorhome insurance.

Although there are many potential providers, you might want to insist on arranging your cover with a specialist motorhome insurance provider who is going to understand the specific needs of a motorhome owner.

What elements of cover are available for motorhomes?

UK motorhome insurance typically covers a range of aspects designed to protect both the vehicle and its occupants. This specialised insurance offers various levels of protection, like car insurance, but with additional features tailored to the unique nature of motorhomes. Here’s a look at what motorhome insurance typically covers:

Comprehensive Cover

Comprehensive cover is typically the most extensive type of motorhome insurance available. It usually includes:

Accidental Damage: Covers repairs or replacement costs if your motorhome is damaged in an accident.
Fire and Theft: Provides cover if your motorhome is stolen or damaged by fire.
Vandalism: Covers damages resulting from vandalism.
Windshield Damage: Often includes repairs or replacement of damaged windows and windshields.

Third Party, Fire and Theft

This type of insurance offers more limited protection compared to comprehensive cover:

Third Party Liability: Covers damage to other people’s property or injuries to others in an accident you cause.
Fire and Theft: Includes cover if your motorhome is stolen or damaged by fire.

Third Party Only

As we mentioned above, this is the minimum legal requirement in the UK. Third party only insurance typically covers:

Third Party Liability: Provides cover for damage to others’ property and injuries to others if you are at fault in an accident. It does not cover any damage to your motorhome or personal injuries.

European Cover

Many UK motorhome insurance policies offer the option to add-on European cover, which is essential if you plan to travel outside the UK:

Travel in Europe: Typically provides the same level of cover as in the UK while traveling in European countries. Duration and countries covered may vary by policy.

Personal Belongings

Motorhome insurance often includes cover for personal belongings:

Contents Cover: Protects personal items inside the motorhome against theft, loss, or damage. There might be a limit on the total amount covered and for individual items.

Equipment and Accessories

Motorhomes come with various built-in and additional accessories, and insurance policies often cover these:

Fitted Equipment: Includes cover for built-in fixtures such as kitchens, bathrooms, and entertainment systems.
Portable Equipment: Covers items like awnings, gas bottles, and camping gear.

Breakdown and Recovery

Breakdown and recovery options can be added to motorhome insurance policies:

Roadside Assistance: Provides help if your motorhome breaks down on the road.
Recovery Service: Includes towing to the nearest garage or your home if the motorhome cannot be fixed on the spot.
Home Start: Helps if the motorhome won’t start at home.

Legal Expenses

Legal expenses cover is another common feature:

Legal Costs: Covers legal fees for claims made against you or for recovering uninsured losses after an accident.

Emergency Accommodation

If your motorhome becomes uninhabitable following an incident, some policies offer:

Emergency Accommodation: Covers the cost of alternative accommodation while your motorhome is being repaired.

New for Old Replacement

For newer motorhomes, this feature may be included:

New for Old Replacement: If your motorhome is written off or stolen within a certain period (usually up to two years old), it will be replaced with a new one of the same make and model.

Loss of Use

If your motorhome is unusable due to a covered event, some policies provide:

Loss of Use: Offers compensation or a replacement vehicle if your motorhome is out of action for repairs.

Security

Buying a motorhome is a big investment and you want to protect that investment with the most suitable insurance. So, if you are wondering “what motorhome insurance should I get?”, then comprehensive cover may be a consideration because of the sheer value of your motorhome and its vulnerability to theft, attempted theft, and break-ins.

That, in turn, makes security of your vehicle of paramount importance – to you and to your insurer.

There are a wide range of security devices and systems designed to hinder or prevent the theft of your motorhome itself and its equally valuable contents. When adding further security to your motorhome, always ensure that any components have received the Thatcham seal of approval and certification – an organisation that sets the benchmark in vehicle security.

There are several distinct categories of security equipment – from electronic alarms and immobilisers to vehicle trackers to aid the tracing and recovery of stolen motorhomes.

Whatever categories of security demanded by your motorhome insurers – or categories which earn valuable discounts on the price of the premiums you pay – here at Derby Motorhomes we have the experience and expertise to advise you on ways of meeting those standards (which are already likely to have been met by any vehicle we supply).

Valuations

It is essential to have an accurate and up to date valuation of your motorhome and its contents for insurance purposes. The total sum insured is the maximum amount any insurer is obliged to pay out in the event of a successful claim, and you want to make sure it is sufficient for the repair to any damage or the replacement of your motorhome if it is a total loss.

Once again, our expertise and experience here at Derby Motorhomes may help you arrive at a realistic and up to date valuation of your motorhome and its contents.

Who’s driving?

As with any type of motor insurance, your motorhome insurance also needs to account for the number and identities of those who are covered to drive.

The most comprehensive cover is given by policies that cover any driver, but you might choose to restrict driving to named drivers only or even to yourself alone in order to gain further discounts on your premiums.

Excess

Your motorhome insurance may already incorporate a compulsory excess which is payable in the event of a successful claim, but you might opt to accept a further voluntary excess in return for potentially cheaper premiums.

No claims discount

Just as with the insurance for the car you drive, in some cases, motorhome insurance typically offers valuable discounts on the price of your premiums if you remain claims-free from one year to the next – remember to make sure that any no claims discount to which you are entitled is reflected in your quotation or renewal notice.

Where is your motorhome being stored?

You may receive motorhome insurance discounts if you store your motorhome in a secure, dedicated storage facility, preferably a CASSOA-approved site.

CASSOA (Caravan Storage Site Owners’ Association) Approved Sites are storage facilities that meet high standards of security and management.

These locations offer high levels of security that can significantly reduce the risk of theft or damage, typically making them favourable in the eyes of insurers.

GAP insurance and other insurance cover

Finally, remember that there are additional types of insurance you may wish to consider for your motorhome such as GAP Insurance (which covers a shortfall in value if on motorhome finance), motorhome warranty, breakdown cover, and travel and health insurance.

Conclusion

Motorhome insurance is designed to offer financial protection for motorhome owners, covering a wide range of potential risks and scenarios. From accidental damage and theft to personal belongings and legal expenses, these policies provide peace of mind for motorhome enthusiasts whether they are at home or on the road.

When choosing a policy, it’s important to compare cover options, limits, and additional features to ensure you get the most suitable protection for your needs.

Buying a motorhome is an exciting venture that opens up a world of travel possibilities. However, it also requires careful planning and consideration. Here’s what you need to know when buying a motorhome …

Think carefully about why you are buying one

We’re in no way suggesting that you begin to question your decision to invest in a motorhome. Far from it. Instead, we’d just like you to be sure you understand what you expect to get out of your motorhome – because that will tell you how you are going to use it.

That, in turn, will inform your thinking about the type of motorhome that is likely to be suitable for your needs. If you plan to use your motorhome regularly for long-distance trips around Europe and with several passengers aboard, for example, you are likely to incline towards certain types of vehicle over others.

By contrast, if you are planning to use your motorhome only occasionally in the UK and just over the summer months you are likely to adopt a different approach. This leads us on to the different types of motorhome available.

The different types of motorhomes

Motorhomes come in various types, each catering to different needs:

1. Coachbuilt motorhomes: These are typically built on a van or truck chassis and have a custom-made body. They are spacious and often feature separate living, dining, and sleeping areas.

2. Campervans: Smaller and more manoeuvrable, campervans are typically built on a standard van chassis with a converted interior. They are ideal for short trips and city driving.

3. A-Class motorhomes: These are luxury models with a fully integrated body and chassis. They offer the most living space and amenities but typically come at a higher cost.

4. Compact motorhomes: Similar to campervans but with more features and space. They strike a balance between size and comfort.

5. Conversion vans: Standard vans that have been converted into living spaces. They are often customised according to individual needs and can vary widely in quality and layout.

Prepare your finances

Once you have the type of vehicle in mind, whether that is brand new or pre-used, you should start to get a reasonable understanding for the ballpark figure you will probably need to pay for that type of motorhome.

It’s always advisable to be sure in advance just how you plan to finance your motorhome (you can use our free motorhome finance calculator). Apart from providing you with peace of mind, it also means you’ll be able to focus on driving a hard deal with the sell.

Further reading: Motorhome finance Faqs.

Don’t over-compromise on quality

Economy is always going to be a big issue for any buyer but cutting back on space or facilities in order to save perhaps a modest amount of money, might be something you’ll regret later on. Compromises may, of course, be necessary but go with your instinct where things such as fittings, furnishings and little luxuries are concerned.

How much does a motorhome cost?

The cost of a motorhome can vary greatly depending on its type, size, age, and condition. Here are some key financial considerations:

1. Initial purchase price: New motorhomes typically range from £40,000 to over £100,000. Used motorhomes can be cheaper, but it’s important to check their condition and history.

2. Running costs: These include fuel, motorhome insurance, road tax, and maintenance. Plus, storage. Fuel efficiency can vary, so consider a model that balances performance with economy.

3. Insurance: Motorhome insurance is essential and can be more expensive than standard vehicle insurance due to the higher value and contents of the motorhome.

4. Depreciation: Motorhomes depreciate over time, although less so than many cars. A well-maintained motorhome can retain its value better.

Inspection and condition

Before purchasing a motorhome, a thorough inspection is crucial:

1. Exterior condition: Check for signs of rust, damage, and the condition of the windows and seals. Pay particular attention to the roof and undercarriage for any signs of water ingress or structural issues.

2. Interior condition: Inspect the living area for wear and tear, particularly in frequently used areas like the kitchen, bathroom, and sleeping areas. Check for dampness or mould, which can indicate water leaks.

3. Mechanical condition: Ensure the engine and mechanical components are in good working order. Look for service history and consider having a professional mechanic inspect the vehicle.

4. Mileage: Lower mileage can indicate less wear and tear, but it’s not the only factor. Consider how the motorhome has been used and maintained.

5. Service History: A full service history provides insight into the maintenance and care the motorhome has received. Look for regular servicing and any major repairs or replacements.

Legal considerations

Understanding the legal aspects of owning a motorhome is essential:

1. Driver’s Licence: The good news is that many motorhomes can be driven on a standard driving licence. However, the position isn’t always entirely straightforward, as the weight of a motorhome plus the date you passed your test, might both have an impact on the type of vehicle you can drive on that standard licence. Check your driving eligibility on the official government website here.

2. MOT and Tax: Ensure the motorhome has a valid MOT certificate and is taxed. The MOT must be renewed annually for vehicles over three years old.

3. Insurance: Motorhome insurance is mandatory. Ensure the policy covers not only the vehicle but also its contents and any accessories. Breakdown cover is also highly recommended.

4. Parking and storage: Consider where you will park and store your motorhome when it’s not in use. Some residential areas have restrictions, and secure storage can add to your costs. Remember that local laws and your insurance policy might prohibit you from permanently parking your motorhome on the public highway when it is not in use. Similarly, parking on your driveway or in your back garden might be an easy route to losing friendly relations with your neighbours. There are often easy solutions to this type of challenge – just be sure you have thought through the issues in advance.

Comfort and usability

When choosing a motorhome, think about how you will use it:

1. Living space: Evaluate the layout to ensure it meets your needs. Consider the number of berths (sleeping areas), the kitchen facilities, and the bathroom. Some motorhomes offer separate showers and toilets, while others have combined wet rooms.

2. Storage: Adequate storage is essential for long trips. Check for cupboards, lockers, and external storage compartments.

3. Seating and sleeping arrangements: Make sure the seating is comfortable and can be easily converted into sleeping areas if necessary. Fixed beds offer more comfort but take up more space.

4. Amenities: Modern motorhomes come with various amenities such as fridges, ovens, heating systems, and entertainment systems. Ensure these are working correctly and meet your needs.

5. Accessibility: Consider how easy it is to access and move around the motorhome, particularly if you have mobility issues.

Test drive

A test drive is crucial to ensure the motorhome is comfortable and easy to drive:

1. Handling: Pay attention to how the motorhome handles on different types of roads. Larger motorhomes can be challenging to manoeuvre in tight spaces.

2. Comfort: Ensure the driving position is comfortable and that visibility is good. Check the functionality of mirrors and any reversing aids.

3. Performance: Assess the engine’s performance, braking, and suspension. Listen for any unusual noises and check for smooth gear changes.

4. Features: Test all onboard systems, including heating, water, and electrical systems, to ensure everything is working correctly.

After-sales support

Consider the after-sales support provided by the dealer or seller:

1. Warranty: Check if there is any remaining manufacturer’s warranty or if the dealer offers a motorhome warranty. Understand what is covered and for how long.

2. Servicing and repairs: Find out where you can get the motorhome serviced and repaired. Some manufacturers have approved service centres.

3. Parts availability: Ensure that spare parts are readily available, especially if the motorhome is an older or imported model.

4. Resale value: Consider the potential resale value of the motorhome. Well-known brands and models typically retain their value better.

At Derbymotorhomes, we offer full after-sales support.

Final considerations

Don’t emotionally commit based on photos alone. All manufacturers understandably show their products in the very best light in their publicity material. Try to avoid losing your heart to a given motorhome based on that input alone.

There is absolutely no substitute for hard research into the models you are thinking about and, at the same time, getting your hands on them for a personal inspection and test drive.

A motorhome that looks fantastic in an online photograph and presentation might feel completely different to you once you can get to know it up close and personal, perhaps by driving in for an hour or two. So, keep an open mind from the outset. So:

1. Try before you buy: If possible, rent a similar motorhome for a short period to see if it suits your needs.

2. Research: Join motorhome clubs and online forums to gain insights from experienced owners. They can provide valuable advice and recommendations.

3. Negotiation: Don’t be afraid to negotiate the price, especially if you are buying a used motorhome. Consider additional costs such as accessories or modifications you might need.

Buying a motorhome is a significant investment, but with careful planning and consideration, it can provide years of enjoyment and adventure. Ensure you do your homework, take your time, and make an informed decision to find the perfect motorhome for your needs.

Research your interests in advance – and plan

Many of the bigger motorhome shows can be quite intimidating in terms of size and scale. It’s perfectly possible to wander around aimlessly trying to look at everything, only to end up exhausted and without any abiding lessons or firm conclusions at the end of the day!

So, before attending the motorhome show, take some time to research exhibitors, seminars, and special events scheduled for the day. Create a tentative itinerary to ensure you don’t miss out on any must-see attractions or informative sessions.

Go to those stands or exhibitors as a priority and ignore everything else until you have put a tick against each of your priority interests.

Family planning

If you have younger children with you, it’s great to involve the whole family, but you probably don’t need us to tell you that those youngsters might have extremely limited attention spans.

Certainly, they’ll enjoy getting close to the motorhomes, but they are likely to be a lot less interested if you’re discussing engine option specifications, let’s say, with an expert on a stand.

If you can, it might be best to leave your kids with a family member so that you can concentrate on the event itself. If that’s not possible or you don’t like the idea in principle, then taking along some distractions in the form of games or toys might be a smart idea.

Consider taking some food

There is almost always plenty of catering at these events and it can be a perfectly reasonable quality. But the food concessions can also sometimes become extremely crowded.

If you don’t mind queuing up for food and losing time while you are doing so, that’s great. However, if you’d prefer to spend your time looking at motorhomes, rather than the stranger in front of you in the food queue, consider taking a picnic.

Set realistic targets

Many people admit to reaching the end of a motorhome show in a state of almost total exhaustion. It’s great fun but walking endlessly around trying to do everything can drain even the fittest of us.

So, building on that prioritised list of objectives mentioned above, make sure that the things you note as “must do” are realistically achievable within the time you are allocating.

Wear sensible footwear

If the venue is inside, make sure you wear comfortable shoes rather than those designer specials that look great, but are going to cause you grief after you’ve been walking around in them for a few hours.

If things are outside, make sure your shoes are equally sensible but also waterproof and with decent soles. It doesn’t matter what the weather forecast said, if a field turns into a quagmire and you have beach shoes on, you’re likely to regret it.

Consider bringing along a lightweight jacket or umbrella in case of unexpected weather changes.

Ask questions

Take advantage of the opportunity to interact with exhibitors and industry experts. Don’t hesitate to ask questions about motorhome features, specifications, pricing, and financing options. Gather as much information as possible to make informed decisions.

Test drive opportunities

If available, take advantage of test drive opportunities offered by motorhome manufacturers or dealers. Test driving allows you to experience first-hand the handling, comfort, and performance of different models, helping you narrow down your choices.

Attend seminars and workshops

Many motorhomes shows host seminars, workshops, and demonstrations on topics ranging from maintenance tips to travel destinations. Attend sessions relevant to your interests and learn from experienced professionals and fellow enthusiasts.

Explore accessories and gadgets

Browse through the accessory stalls and gadget booths to discover innovative products designed to enhance your motorhome experience. From outdoor furniture to solar panels and navigation systems, explore options to customise and optimise your travel rig.

Network with fellow enthusiasts

Motorhome shows provide a unique opportunity to connect with like-minded individuals who share a passion for outdoor adventures. Strike up conversations with fellow attendees, exchange travel stories, and glean insights from their experiences.

Take advantage of show discounts

Many exhibitors offer exclusive discounts and special offers during motorhome shows. Keep an eye out for promotional deals on motorhomes, accessories, camping gear, and insurance packages.

Try to avoid arriving or leaving at peak times

Broadly speaking, peak arrival and departure times are normally somewhere between 8-10 a.m. and 5-7.00 p.m. That may vary, of course, depending upon the hours of the specific show.

At many venues, these peak times can put incredible pressure on the local road systems that result in long queues of traffic to get in or out of the place. Sitting in a queue is unlikely to be an ideal start or end to your day, so try and avoid the peaks and travel at other times if possible.

That said, early birds often have the advantage of exploring exhibits more leisurely and engaging in meaningful conversations with exhibitors before the venue gets crowded.

Enjoy the experience!

Above all, enjoy the experience of immersing yourself in the world of motorhomes and outdoor exploration. Take time to savour the sights, sounds, and camaraderie of the event, and envision the exciting adventures that lie ahead with your own motorhome.

By following these tips, you can maximise your enjoyment and make the most of your visit to a UK motorhome show. Whether you’re in the market for a new motorhome or simply seeking inspiration for your next adventure, a motorhome show offers a wealth of opportunities to fuel your passion for travel and exploration.

So, you’ve succumbed to the lure of the open road – the freedom to go where you like, rest and stop wherever you choose – and have decided to buy a motorhome.

But where do you start looking for that purchase? Let’s take a look at your options. They immediately fall into one of two broad sources – do you buy privately or from a dealer?

Private sales

One of the attractions of buying privately is that you are buying directly from the vendor and can tell yourself that you are avoiding the commission or profit that needs to be made by any third-party agent such as a dealer.

A private sale is also more likely to involve a used motorhome, of course, so you may be able to take advantage of the depreciation already reflected in the value of a second-hand vehicle. A buyers’ guide published by Out and About Live claims that the savings on buying second-hand, rather than new, might be considerable. Although it also concedes that the slower rate of depreciation on a motorhome compared to ordinary cars might keep prices rather similar.

Thanks to the internet, your search is no longer limited to class advertisements in your local newspaper or trade journals. Online listings give you the chance to search across the whole of the country for those looking to sell a used motorhome.

Just like buying any vehicle from a private seller, however, it is very much a question of “buyer beware”. You must be prepared to go over the motorhome with a fine-toothed comb – and in this case checking not only the mechanics, but also the exterior and interior integrity of what is going to be your second home.

Your scrutiny also needs to extend to the seller’s legal capacity to sell the motorhome. Do they have title to the vehicle? Is there any outstanding hire purchase or other finance on it? Has it been classified as an insurance write-off?

Using a service such as an HPI checker specialises in helping you to check the possibility of any fraud on the part of the vendor – but the responsibility is very much your own.

Buying from a dealer

Instead, you may avoid much of the doubt and anxiety by buying your motorhome from a reputable dealer. Whether you are buying brand new or second-hand, you have the reassurance of knowing just where to go if you later discover something wrong with the vehicle you bought.

A dealer is responsible for conducting all the financial checks on any pre-owned motorhome. They are able to stay in business only by ensuring that any vehicle has been thoroughly checked inside and out, mechanically and accommodation-wise, after a full service.

Any optional extras or accessories for your motorhome may also be supplied directly by the dealer and properly fitted or installed.

Any new motorhome is going to come with the manufacturer’s warranty, but many established dealers are also likely to extend a guarantee even to used vehicles.

Many dealers are also able to arrange any finance you may need to purchase your motorhome.

Here at Derby Motorhomes, we pride ourselves in the reputation we have established as a leading dealer in all makes of motorhome – specialising in Auto-Sleepers. Thanks to our location in Derby, in the Midlands, we are likely to be reasonably accessible wherever you live in the country – and look forward to the opportunity of demonstrating first-hand a wide range of new and used motorhomes for sale.

Further reading: Financing your Auto-Sleeper purchase

The term “auto-sleeper” (or auto sleepers) is sometimes used to mean motorhomes in general or at times, specifically campervans. They are also, however, a renowned English manufacturer of campervan motorhomes that we at Derby Motorhomes are proud to sell.

Here, we’ll interpret auto-sleeper as a generic term referring to any kind of motorhome or campervan and offer some thoughts and suggestions about buying one.

Our approach is along the line of “top motorhome buying tips” – and we’ll take the liberty of assuming that you are completely new to all questions related to motorhomes or auto-sleepers.

Some first principles

Here are the basics, as we see them:

The most suitable auto-sleeper for you and your travels

think carefully about what you expect to get out of the experience when using your vehicle on holiday;
so, ease and convenience plus low running costs might immediately spring to mind and that might steer you towards a smaller and more compact campervan;
but then ask yourself what happens if your friends, children or children want to come with you one long weekend – all of a sudden that campervan might seem to be the small side of “compact”;
from most angles, we’ll remain pretty much in the dark on this score since the answers to the questions are about your dreams, ambitions and how they will affect the choice of the most suitable vehicle for you;
our blog – Picking the right motorhome for you – provides more tips and considerations;

Review your finances – carefully

no list of tips and suggestions about buying a motorhome would be complete, of course, without a word on the hot topic of money;
after your house, your motorhome is likely to be the single biggest expenditure you’ll undertake in your lifetime;
once again, there’s little specific we can say here other than for you to be certain you’re taking into consideration the running and maintenance costs of your auto-sleeper, as well as its purchase price;
incidentally, don’t assume that paying cash is necessarily the most suitable option either – at Derby Motorhomes, we can introduce you to motorhome finance companies that offer all the options you might want to consider, from loans, to hire purchase, and even personal contract purchase (PCP);
you can find out more on our blog: Motorhome financing options;

Consider your own driving experience and comfort zone

almost anyone can learn to drive even the largest motorhomes safely and your standard driving licence – the one you use to drive your car – is typically sufficient;
for chapter and verse on your eligibility for driving any particular motorhome, though, you might want to consult the advice on the relevant government website;
that’s not to say that everyone wants to drive the biggest possible auto-sleeper – instead, be sure that you select a size of vehicle that you and if relevant, your partner, would both be happy driving;

Think about your expeditions

choosing a small campervan might be ideal for a couple or people with a young child or two, irrespective of the journey distance;
as we grow older, though, many of us prefer a little more space and comfort – one or two nights in a restricted space might be fine but not if we’re going to be living there for perhaps two weeks at a time;
so, if you have lots of long-distance explorations planned around Europe and the UK, you might want to incline towards vehicles that are slightly larger, better equipped, and more comfortable;

Take advice on new versus used

you may be surprised to discover that, unlike most cars, motorhomes often tend to hold their value very well – so, don’t expect vast reductions on say a two-year-old model against a new one – but we’ll be happy to help you think through any issues about that;
of course, if you’re buying second-hand from a private individual, do please make sure that you’re qualified to assess the vehicle and adopt all good security practices to protect your financial interests.

When all’s said and done, you’ll discover that there are some really beautiful motorhomes and campervans out there. Given the amount you’re likely to be spending, it only makes sense to spend time researching the main makes and models – their upsides and any downsides – before you set your heart on any particular one.

Once again, of course, we’d be only too happy to offer some general awareness-raising advice in that area if you wish. Why not contact us to find out more?