Save Money On Your Motorhome Insurance
Motorhomes don't come cheap and when you've just spent such a vast amount
of money on something, it only makes sense that you would want to take care of it in the best possible way. Not only will you want to keep your motorhome well maintained, but you'll also want to know that it's adequately covered in the event that it becomes severely damaged or even stolen.Admittedly, the cost of insuring your new motorhome may be an additional expense, but just as with all types of insurance policies, there are several steps you can take to keep your premiums as low as possible.
One of the most influential factors when it comes to obtaining affordable motor home insurance is the risk of theft. If the insurance companies feel that you're not taking adequate precautions to prevent your motor home from being stolen, they won't be willing to reduce your premiums.
As such, you'll need to satisfy them that you keep your motor home locked away when it's not being used. After all, a new motorhome parked at the side of the road in front of your property is an open invitation to thieves. There's also a significant chance that it will at some point end up being vandalised. Having your motorhome parked in a locked garage will go a long way in keeping the cost of insurance down.
Also, if you have a recognised alarm system and an immobiliser fitted, that will also count in your favour. In fact, any type of anti-theft device helps to keep premiums low and that includes the use of things such as steering locks and GPS tracking devices.
Another way to have your premiums reduced is by increasing the excess amount. This is the amount you'll be expected to pay up front in the event that you need to make a claim. With that said, this is something you need to think about very carefully because if your excess is too high, you may not be financially capable of paying the excess if you ever need to make a claim.
Many people who purchase motorhome insurance don't stop to think whether they expect to be travelling outside of the UK. Insurance companies often try to sell you insurance that automatically provides cover for travelling in Europe, but of course, if you don't intend leaving the UK with your motorhome, having European cover is to simply an unnecessary expense.
Many people in the UK only use their motorhomes during the summer months and in that case, it's advisable for you to consider what is known as 'limited mileage' insurance. If you opt for this type of insurance, you'll need to tell the insurance company what your expected mileage will be and that your motorhome will be securely locked away for the remainder of the year.
Some insurance companies will be willing to offer you a discount if you belong to a motoring club, so of course, this is something you may want to consider discussing with your insurance provider before making any final decisions.
If you have a brand new motorhome, or even one that is relatively new, you really should consider full comprehensive cover. On the other hand, depending on the value of the vehicle, third party, fire and theft insurance may be a better option.
Motorhome insurance doesn't really need to cost you an arm and a leg. The secret is you need to meet certain criteria and you really must shop around and compare a number of quotes from different insurance providers.
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