Just had my insurance renewal quote. What you think, sounds like value again to me Interesting terminology on usage and their take on full timing too. Not that I full time, or manage 8 months away a year unfortunately Based on your current information, we have offered your Renewal at a premium of £323.01 for your Motorhome insurance policy. This is based on yourself only to drive for a 12 month Comprehensive policy based on your Fiat Autotrail Dakota Key points of the policy is: * £200 Damage Excess * Windscreen cover up to £3000 (Subject to £75 Excess * Caravan and Camping personal effects up to £3000 * Trailer Cover provided up to £3000 * Includes Legal Expenses Cover * Unlimited 365 Day Green Card Cover * Cover for Awnings, Generators and Gas Explosion * Annual Mileage Based on 4000 Per Year * Full UK/EU RAC Breakdown Cover Included Policy States: Long Term Touring and Full Timing Use of Your Motor Caravan for eight months or more (whether as a single trip or a series of trips) in any one year will be treated (and rated) as long-term touring. If, in addition, you sell or let your UK property you will be treated (and rated) as full-timing. Please refer to the policy conditions on Page 31 for more details. Long Term Touring & Full Timing 16. This policy is subject to the following conditions: Policyholders must maintain a full UK residence, either through ownership or long term rental agreement (of at least 9 months) unless a full-timing rate has been agreed and paid. The address shown on the Schedule must be the one at which the policyholder is on the electoral roll, (unless a full-timing rate has been agreed and paid) and also the one that appears on the driving licence and vehicle documentation. The motor caravan must at all times have a valid MOT certificate (unless not required due to age of the vehicle) and current UK road fund licence & tax disc. Should a copy of a utility bill (as evidence of residence at the address) be requested at any time (inception, mid-term, renewal, in the event of a claim) then one must be provided.