Factors that may affect motorhome insurance quotes
Posted by Maria Allen on May 31, 2010 | No Comments »
A motorhome can be an asset. You are able to take off on a whim on short weekend breaks or holidays for as long as you want. Of course, such an investment needs protecting and this is where taking out the correct insurance may pay. So, what do you need to consider when buying a motorhome and comparing motorhome insurance quotes?
Age limits and insurance premiums
One of the first considerations to consider if thinking of buying a motorhome is your age. Bear in mind that:
- some motorhome insurance providers may not give you insurance if you are under a certain age, for example you may have to be at least 25 years of age though this can vary depending on the provider;
- usually the younger you are when taking out insurance the more you may have to pay for caravan cover.
The model of motorhome you choose
Before buying your motorhome, you may wish to give some thought to the make and model. There are many models to choose from, some models are made in the UK, some in the USA and some are German, so consider the following.
- typically, if you buy a model that has to be imported your motorhome insurance quotes may be higher because parts may have to be shipped in if you have an accident and have to claim on your insurance policy;
- some of the German models are also notorious for being victims of theft, as often they are stolen to order. As insurance covers theft, your insurance premiums are typically higher if you wish to insure a German model.
How you use your motorhome
How you plan to use your motorhome may also affect how much you have to pay for your quotes. You may wish to consider:
- typically, insurance providers exclude you using your motorhome for commuting;
- if you plan to use your motorhome only during the summer months, for example just for the odd trip, you may wish to consider asking the insurance provider about limited mileage insurance. Limited mileage insurance may help you to save on your motorhome insurance quotes, but bear in mind that you have to state a limit to the amount of miles you travel each year and you cannot go over this amount.
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Tags: Motorhome, Motorhome Insurance