Know what a campervan insurance policy contains

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Campervan insurance policies can vary in what they offer for the money. With this in mind when looking to buy your policy you need to ensure that you look into what the cover contains. While policies will usually include many standard things, some providers will add in more than others.

Almost all campervan insurance policies will include damage to the windscreen of your campervan. However the majority will also ask you to pay so much towards any cost to repairs for damage to the windscreen and this excess is set at a different rate to the excess found in all insurance policies. The excess is what you have to payout before the insurance company will take over. If you want to keep down the cost of the insurance then you are able to payout more excess if you want.

You also need cover for personal belongings, as your campervan will be your home away from home while you are on holiday in it. Therefore you would have a larger amount of personal items with you. Therefore you need to ensure that you have adequate cover in case they were stolen or damaged. While all policies will usually include personal belongings, they all have a limit to the amount that you are able to claim on them. The policy will also usually state that you are only able to claim up to a certain limit per item, so you need to be aware if this clause is in the policy you are considering.

When considering a policy you also need to check to see if the insurance provider sets a limit on the mileage that you are able to travel each year. Sometimes you can get cheaper insurance if you do take out a policy that limits the mileage and this can be useful if you only plan on going out two or so weeks throughout the year. However if you want freedom to be able to travel whenever you want then you do not want to be tied down to a certain limit of miles.

If your campervan should break down and have to be repaired then you need to have an insurance policy that would payout for alternative accommodation. Usually a policy will allow you so many nights stay in a hotel up to a certain amount each night. Therefore you need to check the amount that the policy would allow.

Your policy will also cover your campervan if you should be involved in an accident. Campervan insurance would also cover against the vehicle being stolen. You need to take a look at the policy to see if the insurance company would provide you with a replacement of the same campervan if it was under a certain age if the vehicle was not recovered. Some insurance companies will also provide a replacement if the vehicle is damaged to over a certain percentage of what the actual value is of the campervan.

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