Motorhome Insurance considerations

Discussion in 'Motorhome Chat' started by scotjimland, Jan 25, 2011.

  1. scotjimland

    scotjimland Funster Life Member

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    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.
     
    Last edited: Jan 25, 2011
  2. Jim

    Jim Ringleader

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    I think they want to know if you are going to camp at Billing:BigGrin:
     
  3. WynandJean

    WynandJean Funster

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    Why? What's at Billing?
    Wyn
     
  4. Jim

    Jim Ringleader

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    There are numerous reports on the Internet in which people camping there have experienced thefts of anything not bolted down. How true these reports I have no idea, but the rumours of theft have put me off visiting.
     
  5. Geo

    Geo Trader - Funster

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    The funters have been to Billing
    NEVER AGAIN:RollEyes:
    If i was an insurer I would prohiibit Billing in the policy:thumb:
     
  6. Geo

    Geo Trader - Funster

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    Jim Insurance is a very scary thing
    Talking to NFU she asked if there were any modifications to the standard vehicle
    Joking I said "Just put a new flat screen tv in":Smile: she was surprised to say the least:Eek!: and i explained why the TV was changed as she didnt know US TVs dont work over here
    Oh!! Better make a note of that:Doh:
    I then expressed suprise at her suprise as she went onto ask? do all the Rvs have to have new TVs ?
    They are not aware to the best of my knowledge that a 240v conversion takes place on an American, not to mention all the extra bolt on's that should be declared like Solar, Sat dish, extra plug in heaters to name but a few
    Its come claim day that all the relevent questions will be asked:Blush:
    Then its to late:Doh:
     
  7. scotjimland

    scotjimland Funster Life Member

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    Yes indeed..

    so this raises the question. Do those who camp 'off site' have to declare this to their insurance company ?

    It's something I'v never considered.. and although not a 'wild camper' have overnighted in unsecure service areas, and used aires extensively .. none of which can be classed as a camping site.

    I suspect insurers assume when not in storage it is being used on a camping site..
     
  8. Geo

    Geo Trader - Funster

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    Did we ever hear any thing again from the Guy who's RV was stolen from a layby:Sad:
     
  9. scotjimland

    scotjimland Funster Life Member

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  10. madbluemad

    madbluemad

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    Its a good and valid point that you raise. I just tell them that the vehicle has been modified to suit UK law as opposed to US law.
    I do seem to remember being asked somewhere whether there had been any modification to the base vehicle which is more of a sensible question.
    Its always made clear that the vehicle is an American import and if they are a competent insurer they should now that these modifications will be made, the one exception being the 110V to 230V conversion.

    Lets hope nobody has to challenge it in court.

    Jim
    :Smile:
     
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