subject: On The Road With Motorhome Insurance [print this page] Planning a driving holiday can be a lot of fun, especially if you have a motorhome. You have the freedom to go where you want for as long as you like. If you don't like a particular spot, just drive away to a new place. Camping grounds are plentiful in holiday destinations, and offer all the facilities you need. With all the planning that you do before you leave, looking at maps, plotting your journey, booking camping grounds, cancelling the milk deliveries, etc don't forget to include ensuring that your motorhome insurance is adequate.
Any insurance claim can be fraught with complications, so take the time to compare the different types of policies on offer from various insurance companies. There are risks associated with owning a motorhome, so make sure you are covered for all possible eventualities. Accidents do happen, even to the most careful of drivers.
Make sure your policy covers you for replacement of the big windows that motorhomes have, and the special parts specific to your motorhome. The parts on equivalently priced vehicles are not as expensive as those on a motorhome. Motorhomes have valuable contents, which are at risk from thieves. Make sure your level of contents insurance is adequate for all of your personal property. You can't always stow everything away in your motorhome, and most UK policies will cover external awnings, generators and gas bottles. Gas bottles are easily taken, or could possibly explode and damage your motorhome. Either way, you need to be covered. Breakdowns are a sad fact of life when touring. You can ease this nightmare if your policy has break-down cover within the UK and on the continent if you choose to travel outside of the UK. Consider all possibilities before you choose your motorhome insurance.
Motorhome insurance in the UK is relatively inexpensive for a number of reasons:
1-Most motorhome drivers are considered to be experienced motorists
2-Motorhomes are usually driven at a leisurely pace, no rush to get there
3-Motorhomes are not normally driven in peak times in the cities
4-On average, motorhomes are only driven for a few weeks a year
5-They average around 5,000 miles a year
6-Motorhomes are not as great a target as cars for thieves
A typical motorhome policy will cover theft of the vehicle, acts of vandalism, theft of contents, accidents and damage due to natural disasters. You will need to comply with some conditions of course. These could include, but not be limited to, fitting security systems such as tracking devices and immobilisers, joining a caravanning association, not leaving valuable possessions in an unattended motorhome and limited annual mileage, both in the UK and abroad.
Take the time to compare online just what is offered in motorhome insurance policies. Only pay for what you need. If you don't intend to travel outside of the UK, or if only you and your partner will drive your motorhome, your premium can be discounted. Adding security features and agreeing to limited mileage also reaps benefits.
When you leave on your holiday, you can hit the road with peace of mind, knowing that you are covered for any situation.
by: Tom Jones
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