What Type of Cover Do You Need for Specialist Campervans?
You need TPO (third party only) cover as a legal minimum to be able to drive on UK roads. This type of cover will pay out for the cost of damages to the vehicle you get into an accident with, but it will not pay out for damages to your own campervan.
This is why many specialist campervan owners opt for comprehensive cover, which protects against many more risks. Comprehensive policies often include the following features:
- Theft and malicious damage cover – this covers the cost of replacing or repairing your campervan if it’s stolen or damaged by vandals
- Windscreen replacement cover – cover for the cost of replacing any damaged windscreens
- Breakdown cover – this covers you if your campervan breaks down, with repairs and recovery provided by a breakdown service
- European cover – some policies include European travel insurance, so you can take your campervan abroad without worrying about additional costs
- Public liability insurance – this covers you if someone is injured or their property is damaged due to your campervan
- Personal accident cover – some policies will provide a lump sum payout if you are seriously injured while travelling in your campervan
- Gadget cover – provides protection for any electronic devices or gadgets that you keep with your campervan.
How to Decrease the Cost of Your Premiums
As with any type of insurance, the cost of your premiums will depend on several factors. To get the best deal for specialist campervan insurance, it’s important to shop around and compare different options. Here are a few tips to help you get a cheaper premium: