Insurance: not the usual question.

Discussion in 'The Beginner' started by brassneck69, Dec 17, 2008.

  1. brassneck69

    brassneck69 Deleted User

    i wont ask who is best etc etc, i shall come to that when i need to, but my question is thus:

    what difference is there with MH insurance against car insurance?

    Say my MH is only used weekends, and main holidays, is it possible to structure your insurance for your useage?

    I wont be using it for daily commutes or to work, but just for trips and weekends away.

    Is there any special inclusions i need to look for, apart from breakdown/european cover?

    Thanks.
     
  2. hilldweller

    hilldweller Funster Life Member

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    In a word "contents".

    It's a mix of car plus house insurance.



    Brian.
     
  3. Geo

    Geo Trader - Funster

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    The main difference is Motorhome insurance takes into account the value of fixtures and fittings as well as personal contents, many £000 of internal damage can occur internally in the event of fire or accident,exteriors are also very expensive to repair, awnings Tvs bikes etc are also covered
    The only way to taylor your cover is to restrict yearly milage and the savings are not that great, your Motorhome is covered 24/7 whether its in use or not, no such thing as a weekend and holiday only cover I'm afraid, If its a European Motorhome no special inclusions as 99% are covered in a fully comp policy
    However if its an A class Motorhome or American, making a special note of Max£ windscreen cover is essential as these screens cost in the region of £2000 to £5000 and a max of £150 wont go far will it:Eeek:
    Geo
     
  4. Teasy2007

    Teasy2007 Funster

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    Another difference we have found is that you can suspend your car insurance whilst you are away in your motorhome (third party fire and theft only, @ 25% of cost) BUT you can't suspend your motorhome insurance whilst it is stood unused all winter!

    I don't understand why this is, so if anyone can offer a reason - or the name of a company who will allow you to suspend for 3 months at a time - I would be very obliged!!

    Ginny
     
  5. iceni

    iceni Read Only Funster

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    If you want my honest opinion i wouldnt bother trying to save any money by doing this. Ins co,s will offer you something if your lucky but the convoluted complications of it all may leave you uncovered in some areas. most motorhome insurances are regarded as low risk anyway ie Generally we dont bomb about everywhere, we generally maintain and look after our vehicles and generally do less milage.
    Note i say generally - yes there will always be the execptions but these are regarded as less than 5% of cases as opposed to 20% +of cases for cars. And so the ins is cheaper anyway. lest face it a 30-50k car would cost you a bit more than the 350-450 quid a MH costs to insure.

    And when its all sorted you can bet your boots they will save money elsewhere by not covereing something that you need covering.

    Thats just the way i see it Ginny. Others may differ
     
    Last edited: Dec 18, 2008
  6. oldun

    oldun Read Only Funster

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    Motorhome insurance covers explosion and fire associated with domestic type gas systems, car insurance doesn't

    Motorhome insurance is nearly always cheaper as car insurers do not have categories especially for MHs. One car insurance company insisted on classing my MH as a minibus and wanted just over £1500 whereas all the MH insurers were in the range £250 to £350.
     
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