scotjimland
LIFE MEMBER
Rather than link to a commercial insurance site, I've copy pasted ..
One point that caught my attention was the type of camping site used .. I don't recall ever having been asked this or even thought about it ... any comments ?
Considerations before you insure it
It is important to decide how a motorhome will be used and what it is for before getting it insured. Whether it is being driven just in the UK, overseas in Europe or further afield will impact on the cost. If it is being driven in Europe, the motorhome will need an insurance policy that includes other countries.
Some cheap motorhome insurance policies only include third party cover and others limit the amount of time that the vehicle can spend abroad each year. This needs to be taken into account when choosing cover.
Another factor is the type of roads that the vehicle will be driven on and whether it will go onto dirt tracks or other off-road conditions as this could impact on the price of insurance.
The type of camping grounds that the motorhome will be taken to overnight could also influence the price of the insurance.
In addition, the number of drivers on the policy and their driving records will also impact on the cost - to get cheap motorhome insurance it may be necessary to remove young drivers or those with driving convictions.
Deciding where the vehicle will be stored when it is not in use will also determine how cheap motorhome insurance will be. There will be a price difference depending on whether it is kept in a garage, on a driveway, on a private road or in a public car park.
Include the contents of your motorhome
When insuring a motorhome it is important not to forget about the content inside, as this can really add up in the event of theft or a disaster.
When comparing motorhome insurance, make sure that the total figure for contents is enough to replace everything in the vehicle should anything happen. This includes clothes, bedding, crockery, cutlery, games, books, TVs and other electrical equipment.
The level of protection should also include bikes, awnings, barbeques, garden furniture, beach accessories and any other specialist kit such as golfing gear, skiing and snowboarding equipment, canoes and walking devices.
One point that caught my attention was the type of camping site used .. I don't recall ever having been asked this or even thought about it ... any comments ?
Considerations before you insure it
It is important to decide how a motorhome will be used and what it is for before getting it insured. Whether it is being driven just in the UK, overseas in Europe or further afield will impact on the cost. If it is being driven in Europe, the motorhome will need an insurance policy that includes other countries.
Some cheap motorhome insurance policies only include third party cover and others limit the amount of time that the vehicle can spend abroad each year. This needs to be taken into account when choosing cover.
Another factor is the type of roads that the vehicle will be driven on and whether it will go onto dirt tracks or other off-road conditions as this could impact on the price of insurance.
The type of camping grounds that the motorhome will be taken to overnight could also influence the price of the insurance.
In addition, the number of drivers on the policy and their driving records will also impact on the cost - to get cheap motorhome insurance it may be necessary to remove young drivers or those with driving convictions.
Deciding where the vehicle will be stored when it is not in use will also determine how cheap motorhome insurance will be. There will be a price difference depending on whether it is kept in a garage, on a driveway, on a private road or in a public car park.
Include the contents of your motorhome
When insuring a motorhome it is important not to forget about the content inside, as this can really add up in the event of theft or a disaster.
When comparing motorhome insurance, make sure that the total figure for contents is enough to replace everything in the vehicle should anything happen. This includes clothes, bedding, crockery, cutlery, games, books, TVs and other electrical equipment.
The level of protection should also include bikes, awnings, barbeques, garden furniture, beach accessories and any other specialist kit such as golfing gear, skiing and snowboarding equipment, canoes and walking devices.
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