Cheap campervan insurance from Frank Pickles

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Probably the best way to get a cheap campervan insurance quotation is to go with a specialist insurance broker like ourselves using our online quote engine. However it is not just a case of finding the cheapest cover, you will have to take your circumstances into account especially when it comes to how much time you spend on the road.

The two most common covers for insuring camper vans are fully comprehensive and third party fire and theft insurance. While third party fire and theft is the cheapest, it does not offer very much protection for your own vehicle. It would payout for repairs to the third parties vehicle but you would have to payout for your own repairs. You would be covered for damage caused by fire and if your camper van was stolen.

Fully comprehensive camper van insurance on the other hand would protect you against a huge range of possibilities and should be considered if you spend a lot of time out on the road. You would be covered for not only any repairs to the third party’s vehicle but also your own. In addition to this you would often be covered for medical expenses to the third party and any legal costs that arose from an accident. The policy would also pay often for emergency treatment resulting from an accident.

If you are on the road with your camper van for many months out of the year then your vehicle will be filled with many personal belongings. These will usually be covered up to a certain amount if they should be stolen or if they are damaged. Along with checking if the policy includes personal belongings, you also need to find out if the policy would pay for new for old. If it does not then you will only get the value of the items at the time you bought them and this usually means you will lose out. If the policy states new for old then you can replace your belongings at what they would cost you to buy today. The majority of policies will also cover against loss or damage to any audio equipment and satellite navigation equipment that is installed permanently in the camper van. This could include if they are stolen or damaged in an accident.

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