subject: Learn The Basics About Motorhome Insurance [print this page] Everybody wants to save money when it comes to buying insurance. This is particularly true when needing to protect the 'extras' in your life like a motorhome.
When you do a little self education, you can gain the necessary knowledge to make an informed decision when it comes to buying the right insurance cover to protect your investment. Here is a little advice to make you a wiser insurance shopper.
There are basically two types of cover for motorhome insurance - comprehensive and third party fire and theft. Most motor-home owners will select comprehensive cover because it offers great benefits protecting against third party claim for personal injury and property damage as well as cover for accidental damage, theft, vandalism, fire and more.
Always check to see if the cover includes loss of personal property, belongings, luggage and equipment inside the motor-home or while sitting under its awning when on holiday. You may find that this special cover is only offered by motorhome insurance specialists.
If you plan a continental excursion, make sure you have full comprehensive cover for your European travels. Understand what, if any, territory limits are applicable, free cover days or limits on the number of annual foreign trips that can be taken while under cover.
Additionally, your cover should specifically outline the usage limitations for your motor-home. Many covers specifically limit its use for social domestic pleasure and will not include transportation as a primary use. If you plan to use your vehicle for other than recreational purposes, you should make sure that this purpose is included in whatever cover you select.
Keep in mind that it is the responsibility of the insured to inform the insurance provider of any changes in your personal circumstances. If you do not keep the information you have previously supplied up to date and accurate, you may void the cover. This includes such incidentals as changes in the main user, address change, job change as well as any modifications made to the motor-home. Always make sure to report any accidents or motoring convictions that have occurred.
One area you need to consider that will save money is reducing your cover to loss and damage from theft and fire only when the motor-home is secured off the road for an extended period of time like winter. Some insurance providers allow premium refunds when the vehicle is not used on public roads for more than 30 days.
Financial loss exposure is always something on the mind of any vehicle owner, so it is highly recommended to consider motor legal expenses. This provides up to 50,000 pounds of legal cover if you are determined to be the innocent party in a motor-home accident, protecting your legal rights for making claim for any losses not covered under the insurance.
It is always helpful to make sure your provider has a 24-hour help and claim desk. In the event that the motorhome cannot be driven safely after an accident, repairs may be arranged more quickly through a 24-hour hotline eliminating the need to secure various estimates.
When you have enough motorhome insurance information, you can select the cover most appropriate for you while enjoying life out on the open road.
by: Tom Jones
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