Understanding The Basics Of Motorhome Insurance
To ensure that your Motorhome Insurance policy meets your individual needs
, it is important to have a grasp of the basics of Motorhome Insurance. With some helpful pointers of what to look for, you can feel confident of making the right buying decision. Shield Total Insurance, one of the UK"s leading specialist Motorhome Insurance providers, offers some practical advice to help the discerning motorhome owner buy wisely.There are two types of cover: comprehensive and third party fire & theft. Most motor caravanners opt for comprehensive, given the benefits offered and their vehicle"s market value. In addition to protecting against any third party (personal injury or property damage) claim, the motorhome is covered for accidental damage, vandalism, fire, explosion and theft. It is worth checking whether the cover includes loss of any personal belongings, equipment or baggage within the motorhome, or its awning. This valuable, additional cover is usually only offered by specialist Motorhome Insurance providers like Shield.
If you are planning to take your motorhome abroad, check that you have full, comprehensive cover within Europe. Establish what the territorial limits are and whether there any restrictions to the number of days free cover or the number of foreign trips applicable.
The certificate of insurance will specify the limitations as to the way your motorhome can be used. Your occupation may determine whether this is social domestic and pleasure purposes only or includes commuting to a single permanent place of work. If your personal circumstances change, make sure to tell your motorhome insurer. If the information you have previously supplied is no longer accurate you may not be covered by your Motorhome Insurance. This includes any changes in the use or main user, change of job or address, modifications made to the motorhome, or any accidents or motoring convictions incurred.
If you plan to take your motorhome off the road for an extended period e.g. during winter storage, you may choose to reduce your cover to loss or damage by fire and theft only. Some motorhome insurers will allow a premium refund if your motorhome isn"t being used on a public road for more than 30 days. Any refund would be calculated from when the certificate is received.
It is worth considering motor legal expenses. This is usually sold as an optional extra for a small additional premium. It provides up to 50,000 of legal cover if you are the innocent party in a motorhome accident and helps protect your legal right to claim for any uninsured losses such as hire of a motorhome, from the person who caused the accident.
Check that your motorhome insurer has a 24 Hour Accident Helpline. If your motorhome cannot be driven safely following an accident, any repairs can usually be arranged quicker as the need for getting estimates is avoided.
Enjoy the call of the open road. Get an expert Motorhome Insurance quote from the people who know and care about Motorhomes.
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