CHEAP MOTORHOME INSURANCE
We’re sure that you want to get using your motorhome as quickly as possible but you need to get your insurance sorted first. Luckily it’s now easy to save money and get cheap motorhome insurance online. However, before you compare motorhome insurance online you will need a few details to hand to help you fill in the online forms. The data you provide will then be used to generate your quotes.
Identify your motorhome
You will probably need to be familiar with the different styles of motorhomes as you make your way through the quote process. It’s a good idea to know what class your motorhome fits into as some insurers will only insure certain types. Some insurance companies will only offer to cover manufactured motorhomes rather than homebuilt or DIY projects.
Know your manufacturer and model
It may seem obvious but this is information that you will need to have. You must know the correct make and model of motorhome before you try and obtain a quote. If your motorhome is a custom or homebuilt conversion, gather as much detail as possible. Check out our list of Motorhome manufacturers and models.
Know the kind of cover you want, or research the kind of cover you need
If you are familiar with car insurance then you probably already know that there are three kinds of cover available: Third Party Only, Third Party Fire & Theft and Comprehensive. Think about the kind of cover you need and don’t assume you can’t afford more than basic cover. It’s always worth shopping around and doing your research!
The following is to be used as a guide only. For specific conditions of your insurance please check your policy:
- Third Party Only – This covers damage to other people’s property and liability to other’s injuries. It is the minimum extent of cover required by law. If you’re looking for cheap motorhome insurance, this might be worth exploring.
- Third Party Fire & Theft – Similar to the above with the addition of cover for fire damage or theft of your motorhome. This option will not cover any accidental damage to your vehicle or injuries to yourself.
- Comprehensive – Comprehensive cover offers a more extensive option than TPO and TPFT but often at a higher price. As well as covering you for at-fault damage comprehensive cover will normally offer a range of optional extras including personal effects cover, breakdown cover and key cover.
Choose your excess
Excess is the amount that you pay in the event of a claim. There are two types of excess, voluntary and compulsory. A compulsory excess is normally a non-negotiable amount that you have to pay, details for this will be made apparent by your insurer during the quote process and after your receive your policy.
A voluntary excess is a negotiable amount that you are willing to pay. Normally, the higher the voluntary excess that you offer to pay in the event of a claim, the lower your premium will be. However make sure you think about this carefully and don’t offer to pay anything that you think you may not be able to afford!
Remember the cheapest cover available is not always the best. Make sure you think about your needs and strike a balance between sufficient cover and a good price. It’s a good idea to shop around and compare quotes not just by price but by the extent of cover they offer and the extras which are included.
You’ve sorted out your insurance, go enjoy your motorhome! Whilst you’re out having fun remember to check our blog every now and then for motorhome news and stories.