Taking out self build motorhome insurance for your pride and joy
A great deal of self satisfaction can be found in building up your own motorhome from scratch. When considering self building it means that you start off with just the shell of a truck or similar and then turn this into a motorhome to suit your needs. When you are self building this way you would be able to have the layout of your motorhome as you wanted.
You could even build the cabinets in your kitchen from scratch and design the living areas and sleeping quarters to suit your needs. However this is then unlike any other vehicle, it is similar to building a kit car. Therefore you need to take out specialist insurance and this would be in the form of self build motorhome insurance.
Joining a specialist club can provide you with many hints and tips on safety and a forum would be full of likeminded individuals who have gone on to build their own motorhome to the standards required to get it on the road legally with insurance behind it.
As your motorhome will be one of a kind when it had reached completion you will want to ensure that you have agreed values for your motorhome. Standard motorhome insurance would perhaps not pay out the true value of the motorhome that you have fashioned to suit your lifestyle so you could lose out on a great deal of money if the worst happened and your vehicle was written off. If you have agreed values in your self build motorhome insurance policy and your motorhome was written off you would be able to claim the true value of it.
There are many safety aspects that you need to be aware of when considering building up your own motorhome from scratch. One of these is the materials that you will be using to insulate your motorhome. If you are using a standard shell of a large van that has been stripped down to the bare shell then of course you will need to buy quality fire retardant insulation materials. If you were to skimp on this you would be putting your life and that of anyone who travels in your motorhome at risk and you could find it impossible to get insurance.
The same would apply when you are planning out your kitchen and toilet areas. You will want to ensure that any water connections meet the correct safety standards and gas bottles are correctly installed. Water bottles and pipes can cause flooding risks and incorrect fittings on gas bottles and their storage could pose a problem with fire risks. Both of these would have an effect when you apply for self build motorhome insurance and you could be turned down when you apply. You should have all electrical and gas related materials and piping fitted with specialists to ensure that safety is forefront.
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