Tips for choosing motorhome insurance

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Before you take your pride and joy out onto the roads you need to ensure that you have adequate motorhome insurance for it. There are many different things that have to be taken into account when looking to take out insurance for your motorhome and you need to check the policy thoroughly.

The majority of motorhome insurance policies take into account that the motorhome is used for holiday purposes and this means that you are not out and about on the road everyday. As a result you will not be getting in the same situations that car drivers do such as travelling in the city during rush hour. On holiday you are also not rushing about and so are seen to be safer therefore you can get great deals on insurance.

You do have to check to see if there is a limit to the policy for the amount of miles that you travel throughout the year. Some policies will state that you cannot go over a certain mileage each year, while others do not restrict you to mileage.

Of course when you are travelling out and about in your motorhome you will be using it like your home and therefore you will need the insurance policy to cover a lot more than you would for a car. You need to check to make sure that personal belongings are covered. You also have to check for a limit to the policy, the majority of providers will put in a limit for the amount you can claim back for personal items. Some also put a limit on the amount that you are able to claim back for a single item you claim against. You also need to check the terms of the policy to be sure that such items as awnings and bottles of gas are covered under the policy.

As you are living in your motorhome, if you should have an accident and the motorhome had to be taken to a garage for repairs the policy should offer alternative accommodation. This means that you would be put up in a hotel. However check to see what the limit on this is as all policies will impose one.

You should also check the terms and conditions of the policy for what happens if you are involved in an accident or your motorhome was stolen and not recovered. The majority of policies state that if the vehicle is under one year old and the cost of repairs is over a certain percentage of the vehicles value then you would get a replacement vehicle.

The motorhome insurance policy will have a certain amount of excess; this is the amount that you need to payout before the insurance company would take over the claim. You can offer to pay more excess to keep down the cost of the premiums. Policies will generally cover windscreen damage and this would usually have excess of its own which is set at a different rate than the policy in general. 

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