CHEAP MOTORHOME INSURANCE
Although you probably want to get using your motorhome as quickly as possible it’s vital that you get your insurance sorted first. Just like car insurance, motorhome insurance is a legal requirement. Driving with no insurance or invalid insurance is irresponsible, dangerous and against the law.
Luckily it’s now easy to save money and get cheap motorhome insurance. However, before you compare motorhome insurance quotes online you will need a few details to hand to help you fill in the online forms.
Identify your motorhome
Motorhomes come in different shapes and sizes, from small micro campers to giant American RV’s. You’ll need to know what class your motorhome fits into. If you’re not sure then you could check with the dealer you bought it from, or do some research online. If your motorhome is a custom or DIY build then you can still get a quote, but do bear in mind that some insurers will only cover professionally converted vehicles.
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.