Our specialist motorhome insurance policy rewards the camper van owner with some very low premiums with favourable discounts for restricted driving, club membership discounts and mileage discounts for 1500, 3000 and 5000 miles.
The risk a motorhome driver poses is relatively low. Why you ask? Motorhomes are most often used for Holiday and therefore you are very rarely in a hurry and drivers tend to relax and take their time. Motorhome drivers plan their route around rush hour or difficult road or weather conditions to navigate with a motorhome.
What does all of this mean to you? Cheaper motorhome Insurance Premiums.
Fill out our FREE motorhome Insurance quote online and see what type of motorhome insurance discounts you qualify for. We know you will be surprised at the very low cost effective motorhome insurance quotes you'll get.
Motorhome Insurance Specialist - Frank Pickles
Frank Pickles specialises in motorhome Insurance in the UK. It's a name to be trusted for our knowledge and understanding of your motorhome insurance needs. We can save you a great deal of time, frustration & money! Get your FREE Motorhome Insurance quote today!
We also specialise in a variety of other niche markets including camper van insurance and GAP insurance with an aim at providing you with the lowest rates available.
Choosing Motorhome Insurance Cover
Your motorhome insurance cover can keep you covered in the event of a disaster. You just never know when something will happen to you, and without adequate cover, you could be left out of pocket. Different motorhome insurance companies have different things to offer to you. It is very important that you get the cover you need tailored to suit you.
The first thing that you need to do is to decide where you will be touring with your motorhome. This will determine the amount of cover that you will need for your motorhome. Be sure to check the different policies for cover options to ensure that they are tailored to your needs. Most motorhome insurance policies taken to consideration that your motorhome will be used on holidays, vacations, and traveling. These occasions are relaxing; therefore, you will not be in a rush.
Most motorhome insurance companies take into consideration that motorhome drivers are more responsible. This enables you to get a better rate on your motorhome insurance cover. When looking at different motorhome insurance policies take a look at be allotted miles. If you plan to use your motorhome a lot you may need more mileage on your policy. You also may be able to get a lower rate if you are older because older drivers tend to be more responsible when traveling.
Getting a motorhome insurance quote will allow you to take a deeper look into the policy options that are available to you. It only takes a moment to fill out a quick quote form to be able to start looking at the policies that are available to you and your situation. Most people will be able to obtain a quote online, but some will not. If you are not able to qualify for an online quote, give us a call and we will be surely able to help you out.
Why is Motorhome Insurance Necessary?
There are many reasons why motorhome insurance is necessary. Aside from third party motor insurance being compulsory in the UK, a lot of things can happen when you are on the open road, and you want to be sure that you are covered in the event of an accident. Weather can play a huge part on road conditions. Without the proper motorhome insurance cover, you could be left to pay for costly repairs. It only takes a few moments of your time to get an online quote in get your motorhome covered with the right insurance policy for you.
Motorhomes are treated like a second home. You will typically travel with many possessions and personal belongings. Your motorhome insurance cover can also cover these possessions. Take a look at the amount of possessions it will cover. Some insurance companies will put a limit on these types of cover. Some insurance companies will put a limit on these types of cover; typically this is a monetary amount.
Just like your motor vehicle, your motorhome needs to be protected. Repairs due to accidents and floods can be quite costly, and that is not something you want to worry about when you are on the open road. If your motorhome is broken into and some of your personal possessions are lost, you do not want to have to worry about replacing those items, which can get quite costly.
Motorhome insurance quotes have never been this easy to receive. In the past you would have to call different insurance companies to compare the different types of policies, which could have been quite time-consuming. With the technology of the Internet you now can receive motorhome insurance policies when it is convenient for you. You can easily compare the rates of several different insurance companies to save you money as well as time.
Online motorhome insurance quotes are very convenient. It doesn't matter what time of day it is, you can log online, fill out a quick quote form, and be on your way in minutes to finding the best policy for you and your lifestyle. Motorhome insurance is imperative to have, so you will want to be sure that you are covered before you take it on your next vacation.
Cover Options Available
Make sure you have the proper cover on your motorhome for what you plan on using it for. If you plan to use it quite a bit or travel to several countries you will be more likely to choose a higher cover then someone who only plans to take it camping once a year. Your insurance cover for your motorhome needs to cover you in any events that you may encounter throughout your travels.
Some motorhome insurance policies will also cover accommodations in the event your motorhome is in for repairs. You might be put up in a hotel or made other arrangements. This will come in handy if it will take a significant amount of time to get you back on the road again. Some insurance companies will put a limit on this type of cover, so you will want to check to see how much cover is available. You may even be offered a rental car to get you to your destination while your motorhome is in for repairs.
Some motorhomes are similar to homes. They will even come equip with small kitchenettes that will allow you to live in your motorhome for a short amount of time. If you have one of these types of motorhomes, and plan to use it frequently, you will typically require more cover than one who uses their motorhome to get to their destination, once or twice a year. The more features that your motorhome has, the more cover you will typically want on it.
You will need European cover on your motorhome if you plan on traveling outside the UK. This should cover the same things as if you stayed in the country, but can help you get to and from your destination if something happens while you are out of the country. Certain cover options of traveling out of the country may even be able to pay for alternative accommodations.
When looking at the different cover options you will want to take a look to see if the insurance would pay for damage to glass. This may include the windshield of your motorhome and some insurance providers may also extend this cover to side windows. Sometimes, there will be a limit on the amount you could claim for windshield damage so this would have to be checked in the policy before taking out the cover. There may also be an excess to pay so check this as well.
Look at the policy limits for cover such as personal accidents, liability, floods, and storm damage. If you do plan on spending a lot of time living in your motorhome, this type of cover will be absolutely necessary. There are going to be limitations will all these types of cover, so you will want to be sure you read the fine print to find out exactly what will be covered, so you are not surprised later when something does happen.
If you are looking to be covered on all of the above options, you will want a full comprehensive motorhome insurance policy. Most people who have just purchased a new motorhome will choose a full policy because it provides the most coverage you can get. Others who have an older motorhome, perhaps one that they have purchased used, may only take out a limited policy which will cover some of the bigger items, such as fire and theft cover.
Discounts Available to You
There are so many motorhome insurance policy discounts that you may qualify for. Traditionally, the older you are the lower your policy rate will be. If you belong to an owners club you can receive significant discounts. If your motorhome will only be driven limited miles throughout the year and will be stored the rest of the time, you may also qualify for a lower rate. Discuss these discounts with an insurance agent when you receive your quotes.
You can even add additional security measures to your motorhome, which can reduce the risk of theft, and also lower your motorhome insurance premium. You can install an alarm, or even a tracker. Other things you can do are fitting an immobiliser, which will also increase the security on your motorhome. If your motorhome is going to be stored for long periods of time, or even left alone while you are traveling without it, this coverage might be necessary.
Types of Cover
A few of the different kinds of motorhome insurance cover we have to offer are comprehensive, third party fire & theft, as well as third party insurance. Comprehensive motorhome insurance policies are the highest levels of coverage, and many will choose this type of policy on a newer motorhome.
If you have an older motorhome, you may just want to consider fire or theft coverage. Talk to an insurance professional about what kinds of cover that may be best for your situation. They will take into consideration your motorhome model, year, as well as what you plan on using it for.
There are many different models of motorhomes that are able to get our motorhome insurance coverage. While most individual models are going to be able to get coverage, some are not. Some of the models we cover are from Bedford, Citroen, Daihatsu, Fiat, Toyota, VW, and so many more manufacturers. You can contact us for your motorhome insurance quote to see if you will be able to qualify with your model.
We cover most UK motorhomes - if you are unsure please feel free to call us. We have hundreds of models of motorhomes that can qualify for insurance cover.
Get Your Quote Today
You could be on your way to obtaining quotes in just a matter of minutes. Online insurance quotes take just moments to fill out. Even if you have current policy, you can obtain a new quote to see if you can save money. You may be quite surprised at the amount of money you could be saving by obtaining new policy.
Most people can get online quotes with no problem, but there are a certain amount of requirements that you will need to meet for your online quote. This motor home needs to be used as your second vehicle, not your primary. The engine size of your motor home should not be greater than 3000CC. The drivers must be between the ages of 30 to 74, as well as have had your driver's license for a minimum of three years. If you do meet these qualifications as well as have a vehicle that can be insured, you can get an online quote right away.
Even if you cannot get an instant online quote, so you still can get new motor home insurance quotes and find out how much money you really could be saving on a new or existing policy - just give us a call. Some people will just purchase a insurance policy and tuck it away. It is important to review your insurance policy once a year to see if you need to make any cover changes. This is a great time to compare rates on similar policies to see if you could be saving money by switching cover.