Advice on Motorhome Insurance
Why buy motorhome insurance?
It is a legal requirement that every motor vehicle in the UK must be insured to minimum standard defined by the road traffic act of 1988.
Also your motorhome is not only your pride and joy but a valuable asset. If your motorhome is damaged due to a fire, theft or accident you will want to be financially compensated.
Remember Coversure motorhome insurance quotes are free, all you need to do is call Coversure and we will do the rest!
What is covered?
Comprehensive motorhome insurance cover – accidental damage, fire, theft, malicious damage and windscreen cover included as standard for complete protection for your motorhome, motorcaravan or campervan.
New for oldmotorhome insurance cover for motorhomes, motorcaravans and campervans which are less than one year old
Motorhome insurance personal effects cover for equipment and personal belongings for up to £2000 for items inside your motorhome, motorcaravan or campervan.
Motorhome insurance cover for awnings and gas bottles and generators cover up to £2000.
Motorhome insurance European cover free for 30 days when travelling within the EU. Please contact us if you require this to be extended.
For owners of motorhomes, motorcaravans or campervans who will be travelling regularly within the E.U we can offer motorhome quotes including unlimited European cover.
Loss of use cover included as standard for motorhome insurance– to compensate for staying in overnight accommodation or hiring a motorhome, motorcaravan or campervan - £35 per day can be claimed up to a maximum of 14 days.
What is not covered in our motorhome insurance quotes?
Damage to or loss of your vehicle if the vehicle is left unattended and the ignition keys are removed from the vehicle.
Mechanical, electrical, electronic, computer breakdowns or failures
Loss or damage caused by an inappropriate grade or type of fuel
What is the average motorhome insurance quote?
On average Coversure clients pay £225 – our minimum premium is £135.00.
What options are worth having included within our motorhome insurance quotes?
Protected no claims discount – Have up to two claims per year in your motorhome, motorcaravan and campervan and still maintain you maximum no claims discount.
Breakdown cover – Full RAC cover including homestart, roadside recovery and European cover. Our RAC cover costs just £52.50 and provides complete protection for owners of motorhome, motorcaravan or campervan.
A list of five ways to insure my motorhome and find cheaper motorhome insurance
Motor insurance premiums are on the increase, the majority of insurers have raised premiums this year by 14%. A recent report from the AA shows the average motor premium is £1000.
So how do you go about reducing the cost of your motorhome insurance?
Well if I was to insure my motorhome, which is not only my pride and joy but is also one of my most expensive assets I own I would want to insure it with a specialist broker such as www.insuremymotorhome.com/. With a specialist insurance broker they will have in depth knowledge of the type of vehicle you are looking to insure and most importantly the type of risk associated with it.
For cheaper motorhome insurance quotes consider the following:
Join a club
Most motorhome insurers will allow at least a 10% discount for members of a club such as the camping and caravan club. By joining a camping club you will get all the benefits that the club offers plus a discount on your insurance.
Mileage
Most motorhome owners don’t use their vehicle as their main form of transport; many owners only use the motorhome at weekends so why insure your motorhome for up to 10,000 miles per annum?
The average mileage for a motorhome is only 5000 miles per year!
Add your spouse as a named driver
Insure my motorhome with the addition of my spouse as a named driver and get a discount. Strange but true various insurers allow discounts for having your spouse as named driver. The spouse may never drive the motorhome, but add them anyway to take advantage of the discount and you’re on the road to cheaper motorhome insurance.
Security
Your prized Mercedes motorhome fitted with an immobiliser or tracker, well tell your insurer. Not only will it protect your motorhome and your motorhome accessories you will also qualify for discounts which vary depending on the quality of the security. A tracking device may save you up to 10%.
Voluntary excess
Increase the excess on your motorhome insurance quote. The excess is first amount you pay towards your claim. By increasing your excess from £100 to £250 you save 20% on your insurance costs.
Written by Ross Wilkes
Coversure Insurance Services