When looking for a policy, there are a few things that you need to be aware of. First off, remember you need to insure your motorhome plus the contents inside, from your clothes and DVDs to that expensive camping stove and melamine crockery!
You’ll also need to consider who will be driving your motorhome – just yourself, or a partner as well? Having a rough idea of your yearly mileage to hand will help us to find a policy most suited to your needs, whether you’re gallivanting away every weekend or just slipping out once or twice a year. Where do you keep your motorhome? Policies will generally be lower the higher your level of security and the less miles you drive. Some insurers will also offer a discount if you’re a registered member of a club or forum.
Another good tip to consider when you compare motorhome insurance is to have a look at what kind of replacement package the lender is offering. Should the worst happen and you need to look at a replacement after an accident, it’s important to know what your policy will offer you. A lot of lenders provide a new for old replacement, should your vehicle be written off due to an accident, or stolen.
If you’ve spent a mint keeping your motorhome in prime condition, then it’s important to get a quote that reflects the true value of your motorhome, as most insurers will pay out the market value of a vehicle if this isn’t agreed upon when the policy is bought.