After all, your campervan is important to you – it may provide you with a quick, easy and fairly cost-effective way of holidaying. It’s your own home-from-home that you can use to explore destinations, with no worry about accommodation.
So, if something went wrong and your motorhome was damaged, you would probably have to find the money out of your own pocket in order to get it repaired, or lost or damaged items within it replaced.
So, how do you get suitable campervan insurance? The following tips may help:
- Shop around for cover – compare not only the motorhome insurance premiums but the policy features and benefits too;
- You may be able to influence the cost of your cover by taking a limited mileage policy (if you rarely use your campervan) and offering to pay a higher excess. This may attract premium discounts;
- Keep your camper van safe and secure – informing your insurer of any additional security precautions you have taken may attract a discount. Even if it doesn’t, as least it may reduce the risk of you having to make a claim;
- Remember that most camper van insurance policies will not cover your vehicle for commuting;
- Check the contents cover – will you have to pay extra for high value items? What items will be excluded from the insurance?
- Look closely at the policy benefits to make sure that you are only paying for what you need. For example, if continental cover is included within your policy but you always travel in the UK only, then this element of the cover is typically not required. By removing this, you may get a slightly cheaper premium.
Hopefully these tips have given you food for thought as to how to influence the cost of your motorhome insurance cover and ultimately get suitable campervan insurance.
Andrew Pickles is Director of Frank Pickles Insurance Ltd. We offer a wide range of UK specialist vehicle insurance products at our site http://www.frankpickles.co.uk including Campervan Insurance
