Insuring your motorhome is not only a legal obligation, but a common sense choice to ensure you are protected against the risks that come along with motorhome ownership. WIth so many people choosing to holiday in the UK, motorhomes are more popular than ever, making it wiser than ever to choose a policy that is both broad enough to cover you and cheap enough to be competitive.
Here, we’ll look at the common questions about motorhome insurance and how to get a cheaper price with some insight from the experts.
How much does it cost to insure a motorhome?
It’s not easy to give a definitive answer to this question, as the cost of motorhome insurance can vary depending on a range of factors. However, we can provide some guidance on how to get cheaper cover.
The first step is to shop around and compare prices from different insurers. It’s also important to declare any modifications that have been made to your vehicle, as this could affect the premium you pay.
Another way to reduce the cost of your motorhome insurance is to take out a comprehensive policy rather than opting for third party only cover. This will provide more protection in the event of an accident or theft.
Finally, consider increasing your excess. This is the amount you would have to pay if you made a claim. By agreeing to pay a higher excess, you could see a significant reduction in your premiums.
How can I save on my motorhome insurance?
Motorhome insurance can be expensive, but there are ways to get it cheaper. Here are some tips:
- Shop around for the best deal. Compare prices from different insurers to find the best deal.
- Declare your motorhome as a second home. If you declare your motorhome as your second home, you may be able to get a discounted rate.
- Choose a higher excess. If you’re willing to pay a higher excess, you can often get lower premiums.
- Pay in advance. If you pay for your policy in advance, you may be able to get a discount.
- Be safe on the road. Accidents and claims will push up your premiums, so make sure you drive safely to keep your costs down.
- Park in a safe place. Parking in a safe location can also help to keep your premiums down.
- Choose a policy that covers your needs. Make sure you choose a policy that covers all of your needs, such as theft, fire and storm damage.
- Shop around for add-ons. There are often a range of add-ons available, such as breakdown cover and legal expenses, which can help to reduce your premiums.
- Pay annually or monthly. You can usually save money by paying annually rather than monthly, but make sure you shop around to find the best deal.
- Use a specialist broker. If you’re finding it difficult to get a good deal on motorhome insurance, consider using a specialist broker who can find the best deal for you.
Who has the cheapest motorhome insurance?
The cost of cover can vary from one insurer to the next. However, by shopping around and comparing prices, you should be able to find a policy that meets your needs and fits within your budget. What factors affect the price of motorhome insurance?
There are a range of factors that can affect the cost of motorhome insurance, including:
- The age and make of your vehicle
- The type of policy you choose (comprehensive or third party only)
- Your driving history
- The location you live in
- Whether you have any modifications made to your vehicle.
How much does motorhome breakdown cover cost?
Breakdown cover is an essential for anyone travelling in a motorhome. The cost of breakdown cover will vary depending on the provider you choose, but it’s generally quite affordable. By taking out a policy, you can rest assured that you will be able to get help if you break down while on the road.
Standard breakdown cover usually includes the following:
- Roadside assistance, including the supply of a replacement vehicle if your motorhome cannot be fixed
- Recovery to the nearest garage
- Labour costs
- Replacement parts and tyres
- Accommodation and travel expenses if your vehicle is being repaired.
Legal expenses cover can be a valuable addition to your motorhome insurance policy as well. By taking out this type of cover, you will have access to legal advice and representation if you need to make a claim. This can be especially useful if the accident is not your fault and you need help to get compensation from the other driver.
The cost of legal expenses cover will vary depending on the provider you choose. However, it’s usually quite affordable and can be a wise investment should you need to make a claim.
The level of cover can vary depending on the provider, but typically motorhome legal expenses cover includes the following
- The cost of hiring a solicitor
- Legal advice helpline
- Compensation for loss of earnings
- Cover for court costs.
Getting cheaper motorhome insurance doesn’t have to be difficult – by following these simple tips, you can save money while still ensuring that you are fully protected while on the road.