Choosing your motorhome insurance UK policy

Posted by Maria Allen on May 16, 2010 | No Comments »

There are many considerations to take into account when choosing your motorhome insurance UK cover.

While the benefits may differ between providers and the level of insurance you take, here are some of the main things you may typically find included in a fully comprehensive motorhome insurance UK policy:

  • damage or destruction of your belongings caused by fire;
  • damage or destruction of your belongings brought about through flood;
  • recovery and repair or your vehicle following an accident;
  • compensation towards a stay in alternative accommodation in the event you are unable to continue your holiday in your motorhome;
  • a new replacement of your motorhome if it is destroyed and under a certain age and/or you have travelled under a certain amount of miles.

What factors determine the cost of insurance?

Many factors combine towards determining how much you pay for insurance for your motorhome.

  • the make and model;
  • the age of the vehicle;
  • the age of the driver – bear in mind that insurance providers usually stipulate a minimum age limit for motorhome insurance which is typically 25 though may be higher depending on the caravan cover provider;
  • the amount you choose to insure the contents of the motorhome for and whether you have new for old or the provider considers depreciation;
  • whether you need continental cover included in your insurance policy;
  • the amount of time you use your motorhome each year and the mileage you cover – limited mileage policies are typically cheaper;
  • where you park your vehicle when not in use;
  • the security of your motorhome;
  • the amount you state on your policy for protection for your awning.

While we all want to save money on our motorhome insurance UK cover, it is also just as important to ensure we have the correct insurance for our needs. If you are able to tailor your policy and you do not travel into Europe, excluding this from your policy may lead to slight savings on the insurance. The above information is of course only very brief. Insurance comes with stipulations and exclusions depending on the provider you take your insurance with, so always check the wording of a policy carefully.

Similar Posts:

Share

Tags: Insurance, Insurance Uk, Motorhome Insurance, Motorhome Insurance Uk

Leave a Reply