Get your motorhome insurance quote with a specialist
By choosing to get your motorhome insurance quote with a specialist website you will be able to compare the premiums and the key facts to ensure that you save money. You will also get the cover that you need and which is adequate for your needs.
Depending on where you are considering taking your motorhome and how long you are planning to be on the roads with it will affect the type of cover you should consider taking out. If you plan to tour around the UK for many months out of the year then fully comprehensive insurance might be the better choice. If you only take your motorhome out of the garage for a week or so out of the year then third party fire and theft might be a better choice as this will cost less.
Third party fire and theft insurance would only pay for the very basics. It would give you protection if your motorhome was stolen or if it was damaged due to fire. It would also pay for any third party repairs but it would not cover repairs to your own vehicle.
A fully comprehensive motorhome insurance quote provides more extensive cover and if you plan on using your motorhome frequently, then you may be better off considering this type of cover. This policy would give you all the benefits of a third party fire and theft policy and so much more, which is essential if you are going to be out on the roads for many months. There are many things you will have to consider when taking out fully comprehensive insurance, as while the majority of policies will have the same things included, the amount of benefit they pay will vary.
The first thing you need to consider is how much you would be covered for personal contents. If travelling around for many months at a time then you will have many possessions in the motorhome and these can all add up if you would have to replace them all. The majority of cover will provide some personal belongings cover so you need to check what the limit would be in any policy you are considering taking out. You should also look for cover for such as satellite navigation and stereo equipment. Some insurance providers will include cover for such items, however again they will usually only payout for up to a certain amount.
You should also check the cover for where you would stand with legal costs if you should be involved in an accident. A fully comprehensive should include cover for the third party’s legal costs at the very least and also for any medical costs that come from the third party. Some policies will also add in cover and pay if you should damage property with your campervan.
When you get your motorhome insurance quote always look to see if you would be covered for recovery of your vehicle and yourself if your motorhome could not be repaired. Some policies will also provide cover in case you should have to stay in alternative accommodation while your motorhome is being repaired and again this will be limited up to a certain amount.