Motorhome insurance checklist (1 Viewer)

[Sandancers]

Just been given the chassis number of our new Motorhome to enable us to purchase insurance.

Before starting to phone round insurance companies just wondered what tips people might have which are useful in getting all the things you need on a policy at the best price.

For instance on things to have, is it best to have breakdown cover with the insurance ? Do they all give a green card ?

What things are worth mentioning to reduce premiums, ie, it's on a drive behind locked gates with a camera on it ?


Ta, Martin

 

[Jim]

I've not seen one, but what a good Idea, lets make one. So what should be on it? when complete I'll turn it into a check list and place it in the downloads section:thumb:

So what questions should we be asking.. Let's have some ideas.. I'll start,

What personal effects are covered/amounts ect
Is a trailer covered? Contents?
How many nights on the continent?
Does the policy include Emergency expense cover
Glass Coverage (windscreen)
Is my Awning covered
Breakdown assistance

 

[sedge]

Do the folk in their claims department have the vaguest concept of what a MoHo is?

I only suggest this one because after an attempted break-in to our first van, the gurlie in the claims dept at a previous insurer was most insistent that we got the same people to replace the damaged glass in the cab passenger door AND the habitation door and frame.



This was after their own Claims Inspector had inspected it and OK'd it !

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[TheBig1]

do you have mirrored no claims discount matching your other vehicle or does the van have its own separate no claims discount with an introductory offer?

is there legal cover included, and what is covered?

IS THERE AN AGREED VALUE? very important

 

[TheTwoOfUs]

Is your satellite dish and TV covered?
Is the Sat Nav covered?

 

[sedge]

IS THERE AN AGREED VALUE? very important

Well it's only important if it's an older van that's too old to be in the MoHo version of Glass's Guide (or whichever book it is they use to approximate values for Part Exchange.) or you have made modifications to it that change the 'book' value.

Or did you mean the thing they do when vehicles are new, where they pay for a straight replacement if it's a total loss within so long?

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[tjay]

insurance

If you tell them all about your "MOTORHOME" not a bloody moho !! whats been fitted inside and outside then they will tell you !!
Most insurance companies offer extra's a at much reduced cost, though be carefull to tell the truth re costs or they will not cover.
Ditto re long stay's some offer 60 days other offer 90 days but at extra cost !!
Ditto for over 90 days !!

 

[grasscutter]

Something I picked up on which may be worth taking into account .
My wife drives but will not drive the motorhome. However I have always included her on the policy just in case. It then occurred to us that if something happened to me on our foreign travels she would be deemed as a driver to bring the motorhome home. Others may know more about such circumstances.

 

[Wildge]

I've not seen one, but what a good Idea, lets make one. So what should be on it? when complete I'll turn it into a check list and place it in the downloads section:thumb:

So what questions should we be asking.. Let's have some ideas.. I'll start,

What personal effects are covered/amounts ect
Is a trailer covered? Contents?
How many nights on the continent?
Does the policy include Emergency expense cover
Glass Coverage (windscreen)
Is my Awning covered
Breakdown assistance

#

What category immobiliser and the difference. (courtesy of Dave Newell)
and also how much voluntary excess you are willing to pay.

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[WynandJean]

Jean had me take her name off for the same reason.

Wyn

Something I picked up on which may be worth taking into account .
My wife drives but will not drive the motorhome. However I have always included her on the policy just in case. It then occurred to us that if something happened to me on our foreign travels she would be deemed as a driver to bring the motorhome home. Others may know more about such circumstances.