There is no doubt that motorhome Insurance is an important part of buying any motorhome.
So, setting out in obtaining the right motorhome insurance cover, is very important.
Also, consider getting at leas
There is no doubt that motorhome insurance is an important part of buying any motorhome. This is because:
- Legal requirement
In the UK, it is a legal requirement to have at least third-party motor insurance before driving any vehicle on public roads, and this includes motorhomes. This basic level of insurance covers you against the cost of any damage or injury you may cause to another person, vehicle, animal, or property.
Without this insurance, motorhome owners are not only at risk of facing hefty fines but can also be disqualified from driving.
2. Financial protection
Motorhomes are significant investments.
Comprehensive motorhome insurance typically protects this investment against unexpected events such as theft, fire, vandalism, and accidents. Without insurance, you as the owner would be financially responsible for any repairs or replacements, which could be financially debilitating.
3. Personal and third-party liability cover
Motorhome insurance typically includes liability costs, which protects you financially if someone is injured or their property is damaged by your motorhome.
So, getting the most appropriate motorhome insurance cover is very important.
Getting suitable motorhome insurance
When purchasing motorhome insurance in the UK, consider the following essential points:
- Type of Cover: Decide between third-party only, third-party fire and theft, or comprehensive cover. Comprehensive offers the most extensive protection.
- Usage: Clarify how often and where you’ll be using the motorhome, as this can affect the premium and type of cover needed.
- Contents cover: Consider whether you need additional cover for personal items inside the motorhome, especially if you carry valuable equipment.
- Driving history: Be ready to provide details about your driving history and any claims made in the past, as these can influence your insurance rates.
- Security features: Installing security devices like alarms and trackers, may reduce your premiums.
- Policy exclusions: Check for any exclusions that might affect claims, such as wear and tear or damage from pets or pests.
- European cover: If you plan to travel outside the UK, ensure your policy covers international travel and know the duration of that coverage.
- Breakdown cover: Consider including breakdown cover, especially if you travel frequently or go on long trips.
- Legal expenses cover: Optional legal expenses cover can be helpful in case of disputes related to your motorhome.
- Policy excess: Understand the policy excess—the amount you pay towards any successful claim.
Also, consider getting several motorhome insurance quotes before making a decision. Compare not only the price, but the policy features and benefits – as well as any exclusions.
And ensure you include all the relevant information when getting a motorhome insurance quote – making a wrong declaration may lead to your insurance cover being void.
Getting the most suitable motorhome insurance
Here at Derby Motorhomes we are fully FCA (Financial Conduct Authority) approved and would be happy to help you obtain a motorhome or campervan quote.
Happy to help you + 44 (0) 1332 360222
If we can be of assistance in helping you understand any motorhome insurance issues, then please ask us.
Also, if you have had an accident and need help in repairing your motorhome or campervan, please give us a call.
See our Motorhome Insurance Guide and Motorhome warranty.