A motorhome is not like having a standard vehicle. It requires a large financial commitment and therefore when it comes to insuring the vehicle, you need to make sure that you buy a high quality policy that covers all your needs. As you will be traveling in it, one of the most important things to consider is what replacement coverage is offered in the event of an accident/breakdown, as well as any alternative accommodation.
Next, you need to check exactly how much you are entitled to claim for your personal belongings in the event of theft or accident; some companies may tempt you with a cheap quote but not offer you the coverage you’ll need to pay for replacements. So compare coverage levels and read the policy wording in detail to understand what you’ll be insured for. Do not forget that if you use your motorhome abroad check what continental coverage you are entitled to from a company, as they do differ.
Be clear about your mileage as some companies set a limit and check the age of the vehicle as this can determine the cost of the premium. If the motorhome has been modified or converted, always have it done by a professional, confirm the change to the DVLA and get an engineer’s report; this can sometimes save you money, as some insurers will not charge a premium for a modified vehicle. In terms of saving money as a new motorhome buyer, being an experienced driver will always work in your favor.
However, several other cost-cutting ideas include: Selecting limited annual mileage; have a security device such as an immobilizer installed; parking sensors for security; secure storage; and belong to a motorhome club. Also, if the vehicle is of a particular model or imported, consider going to a specialized company, as this could save you money on your overall premium.