Motorhome Insurance Guide
Taking out motorhome insurance will transform how you spend your time away. The magic of a motorhome is being able to go wherever you want, whenever you want, with as many home comforts as you want. Having your belongings protected will give you all the freedom and flexibility you need to really enjoy and get the most from your time away.
As with all road vehicles, it is the law to have your vehicle insured throughout the year. You may only use your motorhome at certain periods of the year (perhaps the summer), but unless you declare your motorhome as off the road and not in use with a Statutory off Road Notice (SORN), you cannot keep a motorhome uninsured.
You may want to look into this if you are only going to be using your motorhome at precisely designated times of the year as the DVLA work in partnership with the Motor Insurance Bureau to identify uninsured vehicles. You will be sent and Insurance Advisory Letter (IAL) telling you to take action or face the following:
• Fixed penalty notice of £100
• Your vehicle being clamped, seized and disposed of
• Court prosecution with a maximum fine of £1,000
Types of cover
There are three types of motorhome insurance cover:
• Third party only – this is the minimum required by law and covers you causing damage or injury to others
• Third party fire and theft – as the above but also including cover for fire damage and theft of your motorhome
• Comprehensive – cover provided by the above plus cover for damage to your own motorhome in an accident where you are at fault.
It is important to ensure that the policy you have taken out extends to the type of vehicle you have. Your motorhome may be converted or it may be a campervan. It could have an overcab or be low profile. You need to ensure that your policy covers the exact type of vehicle that you have.
Considering that your motorhome is going to contain many home comforts, it is probably a good idea to include contents insurance as part of your policy. Contents is not always automatically included with an insurance policy so it is vital to check whether it is or not on yours. Some companies may require you to build up the level of scope by assessing the value of belongings you want to include.
Obviously, the further you drive your vehicle, the more expensive the insurance premium will be. Your chances of being involved in an accident stay constant but the longer you are out on the road, the higher your chances are. It is important therefore, to ensure that while keeping your insurance mileage cap affordably low, you are being realistic in your estimation because the policy may not cover you if you go over the stated and agreed number of miles.
A lot of policies come with added extras such as courtesy cars or breakdown cover which may not be needed if you have an existing service in place. Ensure that you are not paying for anything you do not require but, at the same time, make use where possible of the advantages that these extras may provide you with.
It is important to shop around for the best possible deal. There are plenty of insurance companies, like Shield Total Insurance that offer specialist deals that have been put together with Motorhome & Caravan owners in mind.