Camper van insurance found through a specialist can be the cheapest way to buy
Probably the cheapest way to get camper van insurance is to go with a specialist website and allow them to make a search on your behalf. However it is not just a case of finding the cheapest cover, you will have to take your circumstances into account especially when it comes to how much time you spend on the road.
The two most common policies for insuring camper vans are fully comprehensive and third party fire and theft insurance. While third party fire and theft is the cheapest, it does not offer very much protection for your own vehicle. It would payout for repairs to the third parties vehicle but you would have to payout for your own repairs. You would be covered for damage caused by fire and if your camper van was stolen.
Fully comprehensive camper van insurance on the other hand would protect you against a huge range of possibilities and should be considered if you spend a lot of time out on the road. You would be covered for not only any repairs to the third party’s vehicle but also your own. In addition to this you would often be covered for medical expenses to the third party and any legal costs that arose from an accident. The policy would also pay often for emergency treatment resulting from an accident.
If you are on the road with your camper van for many months out of the year then your vehicle will be filled with many personal belongings. These will usually be covered up to a certain amount if they should be stolen or if they are damaged. Along with checking if the policy includes personal belongings, you also need to find out if the policy would pay for new for old. If it does not then you will only get the value of the items at the time you bought them and this usually means you will lose out. If the policy states new for old then you can replace your belongings at what they would cost you to buy today. The majority of policies will also cover against loss or damage to any audio equipment and satellite navigation equipment that is installed permanently in the camper van. This could include if they are stolen or damaged in an accident.
If your camper van holds such things as camping equipment then equipment such as this can work out very costly to be replaced if they are stolen. A fully comprehensive camper van insurance policy would give you cover for these which would allow them to be replaced. You should also look into the policy to see if it covers such items as awnings and steps. Again awnings can get damaged and these can be very costly to replace yourself, the majority of policies will include this up to a certain amount. Also take notice of whether you would lose your no claims bonus if you were to put in a claim for sunroof or windscreen damage.