Motorhome Insurance Premiums Can Be Low - If You Know How
Your motorhome was not a cheap investment. And, since you have invested a good deal of money in your new acquisition, you want to keep it well protected. You will either learn how to conduct the necessary periodic maintenance or job it out to someone who can.
You also want to know that your investment is sufficiently covered by insurance if your motor-home is damaged or stolen.Although providing adequate insurance cover for your motorhome is an extra expense, as are all types of insurance needed in today's world, you can take several steps toward keeping premiums as low as you possibly can.
The first step deals with what level of theft risk your vehicle will be assessed to be. Motorhome insurance companies will penalise motorhome owners who do not take the necessary precautions to prevent their vehicle from being stolen.
You will need to prove to your insurance company that you do everything to keep your motor-home safe and secure, locked away when you are not on the road. Leaving it on the side of the road is an open invitation to thieves. Also, out in the open leaves your motor-home prey to vandalism and other unwanted damage.
However, when you arrange to have it kept in a locked garage or parked at a secured, fenced-in commercial area catering to keeping large vehicles safe, then you present a good reason for your insurance company to keep your costs down.
Additionally, installing a recognised alarm system and a fitted immobiliser will do much to favour lower premiums. Using any of the improved anti-theft devices such as steering locks and GPS tracking units will also help keep your insurance costs down.
You can also help keep your premiums low by increasing your excess amount. This would be the amount you pay up front when making a claim. Be careful, however. You do not want to select an excess that is too high that it puts you in a financial bind paying this amount in the event you have to make a claim.
Many insurance companies like to automatically include cover for using your motor-home when travelling in Europe. If you never intend to leave the UK, this cover is an unnecessary expense you should not have to meet. Make sure you inform your agent it is not needed.
If you are like many motorhome owners using your vehicle only during summer months, consider limited mileage insurance. This sets a mileage limit for your annual usage and when you come under this number you can save additional money. Of course, you need to let your motorhome insurance company know that the motor-home is safely locked away the rest of the year.
There sometimes are great discounts to be had when belonging to a group. In this case, if you belong to a motoring or camping club you might find discounts that are made available by certain sponsoring motorhome insurance companies.
You need to do a little online research checking out which clubs. and what companies, might benefit you with reduced premiums when you obtain club membership.
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