Your Essential Guide To Better Motorhome Insurance
Your motorhome is not just your pride and joy; it"s an expensive purchase, possibly the second most expensive item you"ll ever buy. It"s your home away from home, travels the open road in all weathers, may go abroad and carries valuables that could tempt less honest members of the community. It is therefore important to ensure that you find affordable, quality.
Motorhome Insurance. Particularly, as a number of policies are no more than simply extensions to private car insurance, which don"t take account of your needs. Using a specialist motorhome insurer like Shield Total Insurance, means that you"ll be dealing with knowledgeable, friendly and experienced staff. Here are a few pointers to make sure that you get the right motorhome insurance for you.
Some motor insurers have problems coming to terms with the idea a new Fiat Ducato can cost 50,000. Whether your motorhome is factory produced, a DIY self build or a professionally converted panel van, make sure that your policy recognises all the fixtures and fittings so that if they are damaged, you are reimbursed e.g. in the event of a gas explosion.
Does the policy include generous amounts of cover for your awning and motor caravanning equipment? Make special mention of any audio/visual equipment, satellite systems and computers. If not, you could be looking at a large replacement bill which you have to pay.
Does it provide cover for damage to your motorhome"s windscreen and any broken glass in side windows? What about any scratched bodywork caused by the broken glass?
Remember the cheapest Motorhome Insurance cover doesn"t necessarily represent the best value. Make sure you are comparing like with like. Check which European countries you are covered for and for how long? Some insurers say you are covered annually and yet you cannot travel for any trip exceeding 60 days in one go? Do they charge every time you travel abroad? Do you need to notify them each time?
What level of Motorhome Breakdown Rescue cover is provided? For those planning to take regular trips in both the UK and Europe, check that it permits annual, multi-trip cover for home start, roadside assistance, national recovery and onward transportation, to ensure you have year round protection. Also make sure the breakdown provider understands motorhomes. You don"t want the breakdown wagon turning up to find out that they are only equipped to recover cars.
Having your motorhome damaged or stolen is a stressful event. Does your insurer have a UK based specialist claims team that understands the needs of the motorhome owner?
Finally, the motorhome insurer should offer a secure, full quote and buy online facility to enable you to tailor the product to meet your individual needs, at a time that suits you.
All of these services and more are available by insuring your motorhome with Shield Total Insurance. Get an online Motorhome Insurance quote today.
by: Iain MacdonaldAbout the Author:To know more about Motorhome Insurance and essential guide to better motorhome insurance http://www.shieldtotalinsurance.co.uk/motorhome-insurance