Motorhome insurance is a necessity if you own a motorhome, camper van or similar vehicle. Just like car insurance, there are a number of companies who will insure your motorhome. Price comparison websites are the easiest and quickest way to compare different policies.
Like car insurance, there are three different classes of motorhome insurance available to you. They are third party only, third party, fire and theft and fully comprehensive. All policies vary between different companies, so it is important that you check you’re covered for everything you need (for example, some may not cover your personal belongings).
Some motorhome insurance policies may also exclude certain types of motorhomes, such as a motorhome that you consider to be your permanent residence. So make sure you check that the company will fully cover you before you take out a policy with them.
There are ways in which you can lower the cost of your insurance. These include installing a camera into your vehicle and keeping your mileage down. You can also lower your premium by raising your excess. However, make sure that you keep your excess at a level that you will be able to afford should you need to make a claim.
If you plan on taking your motorhome abroad, then you will need European cover. Some insurers include this in your policy at no extra cost, so look out for those companies to keep your motorhome insurance costs low.
So, motorhome insurance is very similar to car insurance, but there is slightly more for you to consider. Make sure that your policy covers your specific motorhome, make sure that you can afford the excess and check that your policy covers everything that you need. You will then be free to enjoy your holidays, safe in the knowledge that you are full covered.