Before you go rushing into taking out camper insurance ensure that you read the key facts of the policy. Policies will vary between insurance providers in what they offer and as to the limitations that can be imposed in the policy.

The first decision you will have to make before looking for quotes for your insurance is the type of camper insurance you need. Just as there are different types for car insurance there are also different types for camper vans. Which one would be the most suitable will depend in how much you use your camper van. If you only take it out on the road a few times a year then you might not benefit from taking out a fully comprehensive insurance policy.

The other option for insuring your camper van is third party fire and theft. This however gives only very limited insurance for your vehicle but it does provide insurance for any third party that should be involved in an accident with you. In respect of your camper van it would provide cover in case your vehicle should be stolen and also if it was to be destroyed in a fire. There can be other inclusions so always check the key facts before taking on the cover.

When taking out camper insurance you need to check the key facts as different insurance providers will include different things and will also give limitations on cover. One thing you do need to check that may already be included in fully comprehensive is your personal belongings. If you travel frequently then the camper van will hold many of your possession. If they are stolen or destroyed then you would have to replace them and some policies offer new for old cover while others will only give you the value of what they would be today. If new for old is listed in your policy then you will get your belongings replaced at what it would cost today to replace them.

Fully comprehensive insurance may also include breakdown and recovery. If you are travelling and were to breakdown then your vehicle would be recovered and you would be taken to your destination. Some policies would also pay for you to stay in alternative accommodation if your vehicle could not be repaired and you had to be without it.

Also check to see if camper insurance would cover such items as camping equipment. Camping equipment is very costly and the majority of policies will cover up to a certain amount. Your awning is also expensive to replace if it should become damaged, again your policy should cover awnings for up to a certain amount. Windscreen and sunroof repairs along with window cover should also come as standard in your policy. However you have to check to see if claiming for these would have an affect on your no claims bonus.

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.

When looking for campervan insurance you need to scrutinise the contents of the policy very carefully to ensure that it contains everything needed. One of the main factors you have to consider when looking to take out insurance for your camper van is how long you use it and where you are likely to be travelling. The cost of insurance will also depend on what level on cover you need. You can choose fully comprehensive, third party fire and theft or third party only.

If you take your campervan and do a lot of travelling throughout the year then you should consider covering it with fully comprehensive as this gives the most complete cover. However if you only travel in your campervan for the odd week with the family, then you might be able to save money by insuring third party only. Third party, fire and theft provides liability protection for any third party who may be involved in an accident which was your fault as well as damage caused by fire or if the campervan was stolen.

Fully comprehensive campervan insurance on the other hand would provide you with many additional benefits. The majority of comprehensive insurance policies cover for any accidental damage that happens to the campervan. They also cover for loss or damage to the vehicle and the cover would also pay for repairs to both parties in an accident. Some will also pay for medical costs to the third party but you have to check the small print to see what the cover actually includes.

You would almost certainly want the policy to include cover for your belongings as the majority of campervans very often act like home. If you were to lose everything in a fire or if they were to be stolen then you could lose a lot. While policies usually include loss or damage to personal belongings you would be better off if the policy covered new for old. A new for old policy would allow you to replace the items lost at the value they are today as opposed to when you purchased them.

A good comprehensive insurance policy would give you some form of breakdown and recovery assistance. If your vehicle broke down and you had to pay for recovery, it could be very expensive. Usually a policy will include taking you to your destination and getting your campervan to a repair centre. Some policies will offer to pay for accommodation; however the level of cover would depend on the insurance provider.

When looking for campervan insurance check to see if you would be covered for the awning and any camping equipment that was stored in the van. Both of the can be very expensive to replace if they are not covered in the policy. Both of them are usually covered for up to a certain amount so you have to compare this in the terms and conditions of the cover. You would also have to look out for windscreen and sunroof cover and if any items such as stereo equipment and navigation equipment would be covered if these were damaged or stolen.