Motorhome Insurance - 5 Tips To Help You Make A Claim
There are many people who have a motor-home for years and they never end up having to make an insurance claim
. That is definitely a bonus, but there is always a chance that you will need to make a claim.It is important that you know how to make a claim so you get all the benefits you deserve from your provider. Here are some excellent tips that will allow you to make a claim and get all the compensation that you deserve.
1 - Keep Receipts and Take Pictures
If you do have to make a claim on your motorhome insurance, then one of the best tips to keep in mind is to keep receipts and take pictures. The claim adjuster is going to be the one checking on the claim that you make. This way if anything happens, you can document everything. It's a good idea to photocopy those receipts as well because the ink can fade quickly. If you have photos and receipts of everything that was in the motorhome, the company won't be able to dispute your claim!
2 - Document The Damage
Having photos to show them of the damage that occurred can be very helpful, as can receipts. Taking a digital camera with you in the motor home is a wonderful idea. After an accident occurs and you are sure everyone is safe, then start taking pictures of the damage. Work to get pictures of everything possible. Save any receipts that you acquire post damage as well. You never want to clean up evidence, so always document everything with pictures before cleaning up and working to get on your way.
3 - Decide Whether the Claim Will Pay
There may be some claims that are not worth making to your motorhome insurance company. For example, if you have a voluntary excess of 500 pounds and the damage is just 700 pounds, it may not bet worth it to make the claim, which could raise your rates. Decide the amounts you are willing to pay and decide on the amount that will make you file a claim.
4 - Always Be Honest When Applying for Insurance
You want to make sure that you are very honest when applying for the insurance on your motor-home. Many people do not tell the whole truth to try to save money. The problem is that this can backfire when you have to make a claim. If the company finds out that you have not been honest with them, they can legally refuse to pay your claim. It is not worth the small savings to lie when it could cost you thousands of pounds in damage to your recreational vehicle that your company will deny to pay.
5 - Have the Phone Number and Policy Number
When you are out travelling in your motor-home, it is a good idea to have the phone number of the company and the policy number with you all the time. This way you can get in touch with the company right away if something does occur. It will be frustrating to have an accident and realise you do not have the numbers that you need. So, make sure you put a copy of this information somewhere in the motor-home so you have the ability to make the claim to your motorhome insurance company as soon as possible.
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