subject: Keep Money In Your Pocket Buying Insurance For Motorhomes [print this page] Everyone hates paying more than is absolutely necessary - for anything. However, there are those certain necessities that have to be acquired that will deplete your pockets if you are not prepared to seek the best avenue producing the most cost savings.
This is especially true when it comes to acquiring motorhome insurance. First, the actual purchase of a motor-home is what most people would call an 'extra.' But, this does not have to translate to always paying extra for your motor-home cover.
Once you have taken the time to conduct a bit of self education, you will obtain all the needed knowledge preparing you for making informed decisions on the best way to protect your investment. Following some advice about insurance cover will make you not only a wise shopper, but one that retains more money in your pocket to pay for the petrol you'll need when on holiday out on the road.
The first thing you need to understand about motorhome insurance is there are two types - comprehensive and third party fire and theft. Choose comprehensive cover to obtain the greatest amount of benefits that will protect you from any third party-claims against you for property and personal damages and cover for accidental damage, vandalism, theft, fire and much more.
You will want to check your cover for inclusion protection against personal property losses such as belongings, luggage and any appliances or other equipment housed inside the motor-home or when sitting under an awning parked at a camp-site on holiday. This cover may be special and offered only through an insurance company specialising in motor-home cover.
When your motor holiday takes you to the continent, you need to make sure your cover is fully comprehensive for European travel. You need to make a thorough examination of the cover noting any territory limits, cap placed on the number of annual excursions and availability of free cover days.
Also, make sure the cover language is specific concerning usage limitations. Many covers allow for only domestic pleasure and disallow transportation uses. If you plan to use your motor-home as a primary transportation source, you need to make sure that this usage is included in any cover you choose. Typically, unless you specifically ask, covers for motor-homes are traditionally written for recreational purposes only.
Insurance companies are notorious for denying cover if you do not keep them supplied with up-to-date information. This includes all changes to your personal information such as main user(s), address, job and if you have made any modifications to your motor-home. Also, if you do not report to your insurance company any motoring convictions or accidents you will more than likely void your cover.
An important consideration and one that will surely save you money reducing the cost of your cover to but losses incurred from theft and fire only is to secure your vehicle in a safe, off-road location, such as a locked garage, for extended periods of time like winter. Many insurance companies will allow discounted premiums when motorhomes are securely stored for more than 30 days at a time.
Surfing the Internet is the best method toward obtaining the most information about motorhome insurance enabling you to spend more money when on holiday out on the open road.
by: Tom Jones
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