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About this type of cover
A motor home is a huge investment for most people, which can offer delightful recreational opportunities for the whole family. However, these vehicles face a number of risks, and it is therefore advisable to take out a fairly comprehensive policy on your motor home. Whether you use your motor home a great deal, or whether it is used on occasion only, a good motor home insurance policy will enable you to enjoy years of recreation from your motor home.
Summary of Cover
The summary of cover depends largely on the level of protection you select. However, with the cost and the potential damage that could be caused to motor homes it is best to get comprehensive cover. This can cover you for fire and theft, accidental damage, floods and storms, personal accident, public liability, and recovery costs. It is important to check each policy that you are considering the check the precise details of cover, as these can vary from insurer to insurer.
As with other types of insurance cover, there are a number of optional extras available with all types of motor home insurance cover. These include:
Legal expenses cover, which will cover you for legal costs should you not already have this cover included in your policy.
Glass cover is also available, and offers valuable protection against window damage.
European cover can also be included in your policy.
Equipment cover is another option, which can cover the items inside your motor home.
Replacement vehicle cover is also available with some insurers, where you will get hotel accommodation and then a replacement hire motor home if yours has to come off the road.
It is important to check the terms of each individual policy before you commit to any type of motor home insurance cover, as terms and exclusions can differ from insurer to insurer. The policy that you opt for will determine what you are covered for, so make sure that you are familiar with the various levels of cover before you commit to any particular motor home insurance policy.
With all levels of cover, any claims made are usually subject to inspection of the vehicle by a representative of the insurance company. Most insurers now offer a hotline number to make claims, and will send out the necessary paperwork in the post, which you should complete and return. You can also register a claim online with many insurance companies. If the police were involved, then you should send in a copy of the police report if one was made along with the completed paperwork requested by the insurer. With all types of cover, it can take time to go through your claim.
Free Extras to Look Out For
Free extras can vary between policies and insurers, and there is no guarantee that you will get any free features with your motor home insurance cover policy. This often depends on the level of cover you take out, and you are far more likely to enjoy freebies with fully comprehensive cover than with the lower levels of cover. These could include: free recovery and delivery cover; free glass cover; and free legal cover.
Saving Money on your cover
If you are looking for ways to save even more money on the cost of motor home insurance cover, there are a number of steps you can take.
Shop around: Cover premiums can vary enormously from insurer to insurer, so be sure to check out a few policies in order to get the best value deal. However, remember to compare the benefits of the policies as well as the prices in order to get real value for money.
Go online: Many insurers now offer some of their best and most affordable policies online. You can browse the various motor home insurance deals from the comfort of your own home when you go online, and you can also compare the terms, benefits and premiums with ease.
Drive carefully: For every year that you don't make a claim on your policy, you will receive a no claims bonus, and this can dramatically reduce the cost of your premiums as time goes on.
Take appropriate security measures: Making your motor home secure can save you a small fortune. Make use of alarms and proper storage facilities.
Join a local club: Some insurers offer an additional discount to motor home owners that are part of a motor home club. Take a look around and see of there is a local club you can join.
Pay higher excess: By making your policy excess a little higher, you can reduce the cost of your premiums. However, before you do this, check whether the higher excess will make a significant difference, as a tiny reduction may not be justified by the increase in excess.
You can obtain further information with regards to quality insurance cover from the General Insurance Standards Council on the link below: www.gisc.co.uk