When you’re buying a motorhome, you are going to want to insure it as soon as possible so you know that it is protected from the moment you first drive it.
It’s worth remembering that you need to be dealing with a company which specialises in motorhomes as the policies have a number of different features and the levels of cover will vary from the standard ones you are used to using for your car or home insurance. Buying motorhome insurance can be quick and easy, especially is you use a comparison website to get multiple quotes.
When looking for a company which best suits your needs, there are a number of elements you will need to consider with regards to lifestyle, vehicle choice and the addition of the insuring of contents and the actual interior of the vehicle.
Depending on whether you live full time in your motorhome or part time, this will make a difference to the level of cover you require. If it is left unattended for periods of time, this should be stated when looking for insurance quotes as this can make a difference to the premium price. The location of the motorhome when in storage should also be considered; is it on a driveway, on the road, in a garage or on private land for the majority of the time when you are not using it.
If you are looking to buy a motorhome, the make and model will determine the price of the premium so it’s worth getting quotes whilst you are viewing different types to see if the cost to take it on the road fits in with your overall budget.
If you live in your motorhome full time, it is worth insuring the actual interior of the vehicle. This means looking for a feature on the policy which covers the fixtures and fittings as they will be in constant use. Not all policies will have this as standard so it’s worth asking about and looking to pay an extra premium if it is offered as an add-on and this fits in with your lifestyle.
It’s worth checking your home insurance policy with regards to the contents element as there are some which will cover your possessions whilst they are outside your property. For those which do not, you will need to ensure the motorhome policy has a contents premium attached to it in case of loss, damage or theft. Also look at the total loss section carefully to ensure that everything you own would be covered and if not, which areas may require a higher level of cover.
Many people like to customise their motorhomes over time, so if you make any changes to the specification – replace the engine perhaps, or add solar panels – let your insurance company know so they can make any amendments as necessary to the policy and inform you of any change to the premium.
Buying motorhome insurance means that you have peace of mind for both your vehicle and the items which are inside it. You can take to the road with the knowledge that should anything happen, you are fully covered and can recover the cost of your vehicle, your home and the possessions which are important to you.
