Getting the right insurance for your motor home
Motor homes, even second-hand ones, can often be expensive to buy and maintain, therefore are worth insuring even when not in use. Getting the right insurance for your motor home is important as the correct level of cover could give you peace of mind and help to avoid unnecessary expenditure. A number of insurance suppliers could provide motor home insurance and it might prove time well spent to source the market place for the best deal available.
As with car insurance, there are a number of factors that could influence the cost of the premiums, for example; the make and model; the vehicle’s age, its engine size, annual mileage and where it will be stored when not in use. The fitting of an alarm and or an immobiliser, and perhaps having your motor home electronically tagged could help reduce the price of premiums. The age of the drivers and any no claim discount, also the amount of excess you are prepared to pay could also affect the price. Some insurance companies offer special deals if you already insure a car with then, making the motor home your second vehicle, or if you already have home insurance with the provider. Membership of certain motor home clubs and organisations can yield a discount, sometimes as much as 15%.
Besides looking for the best price, the amount of cover is also important. Cheap insurance is worthless if it does not provide the degree of cover required. It could be inconvenient if an accident occurs whilst on holiday and the recovery costs are not covered, especially if it happened overseas. It might be horrendous if the insurance did not cover the delivery to the repairer and then back to you or your home, and the cost of any temporary accommodation required.
Having your policy cover, the contents as well as the actual motor home, replacing the contents new for old, may well be advisable. Could you afford to replace stolen items, especially whilst on holiday or cope with the hassle of organising a repair after an accident? Getting the right motor home insurance for your motor home could remove these worries, allowing you to enjoy your motor home with confidence.