What Is Motorhome Insurance And What Does It Cover?
A Motorhome Insurance policy can cover everything you need for your motorhome, motor caravan or RV. Cover typically comes in three levels; Third Party Only, Third Party, Fire & Theft and Comprehensive, with cover for your personal possessions, gas bottles and awnings available too. There are usually additional discounts available for members of owners clubs, for limited mileage, for additional security systems and voluntary policy excesses too.
Motorhome Insurance Explained
Aside from your home, your motorhome is probably one of the most expensive things you’ll ever buy and so making sure it is properly protected is vital. Whilst you are out on the road it is your second home, and if anything were to happen to it, the chances are it could be very expensive to fix, so you need to ensure you’ve got the right policy in place to protect you. Motorhome insurance comes in 3 levels of cover; Third Party Only would cover any damage caused by you to other people, to third party vehicles or property; Third Party, Fire & Theft will also cover you if your motorhome were to be damaged by fire or is stolen. Finally there is Comprehensive cover; the most expensive level of cover but in return you get the maximum level of protection, covering any damage to your vehicle too.
If a motorhome is involved in an accident, the chances are that it will be expensive to fix, however statistics show that motorhome owners are careful drivers, who don’t drive as frequently as other road users, and aren’t involved in accidents as frequently either. Motorhome policies can come with all of the extra features that an owner may need such as protection for audio equipment, awnings, gas bottles, generators and personal effects too. Protected no claims bonus, unlimited European cover, breakdown cover and legal expenses are usually additions available with most policies.
So what cover is available for motorhome owners?
- Cover For Motorhomes
- Cover For Touring Vans
- Camper Van Cover
- Cover For RVs
- Comprehensive Cover
- Third Party, Fire & Theft
- Third Party Only
- Breakdown Cover
- Legal Expenses Cover
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