subject: Things you should consider when buying motorhome insurance [print this page] Things you should consider when buying motorhome insurance
Perhaps the most exciting way to travel is by motorhome. It's unlike any other mode of transport in the freedom that it presents you. You're not restricted by the timetables of public transport; you don't have a baggage allowance; you don't need to worry about where you'll sleep because your bed is with you.
The rising popularity of staycations has meant more people are looking at different ways to holiday, and the motorhome is one of these. You'll need motorhome insurance just as you would your car, but there is a vast difference in insurance policies.
If you want to be taking the motorhome abroad, you will need to make sure your policy covers trips abroad. Things to consider include what assistance you will get if it breaks down, and whether you're covered to stay in alternative accommodation if your motorhome needs to be repaired.
People keep their belongings in their motorhomes, so you will need a policy that will cover your belongings. Be careful what you take with you; there can be limits to which personal belongings are covered. Sometimes this extends to accidental damage, but you could be charged more for this.
Another thing to consider is what would happen should the campsite flood, or if you're caught in a storm. Make sure you are covered in the event of freak weather, especially if you're travelling somewhere that's susceptible to this kind of weather.
Travelling by motorhome presents great value for money, but if something happens to the motorhome and you're not covered, it could end up being a painfully expensive holiday. A second-hand motorhome can cost around 10,000, according to the editor of Motor Caravans Magazine. A new motorhome can reach 30,000 to 40,000.
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