Auto Sleeper motorhome insurance is something every owner of a motorhome should have. Based on the individual’s driving history and other factors, you can find insurance that fits your budget. Looking for the right quote can be daunting, but rest assured that there are companies out there that can help.
What Level of Cover Do You Need?
The first thing to consider is the level of cover that you need. This will be based on a number of factors, including age, type of motorhome, and individual needs. There are levels available for all motorhome owners, no matter what their circumstances may be. The more cover you have, the better prepared you will be if the worst happens and something goes wrong.
- Third party only: The most basic level, this option covers the driver of the vehicle and provides third party insurance only. If you are involved in an accident or any other issue with another vehicle, you will be covered. This is the cheapest option and good for beginners who want to get their feet wet without worrying about high costs.
- Third party fire and theft: This is a slightly more comprehensive option than the third party only, as it provides cover against theft but only if you can prove that your vehicle was stolen. If you allow total loss on your policy and make a claim, then it will be invalidated, so keep this in mind.
- Comprehensive: This level covers all accidents and gives peace of mind to motorhome owners. If you are involved in an accident with another vehicle, then you will be covered for any injuries or damage caused by your vehicle, as well as including theft and fire cover.
With all levels of cover, it is important to ensure that the policy includes accidental damage repair, breakdown cover and European driving if required. All of this makes a huge difference to the overall cost, so it is vital that you look into your options properly prior to signing anything.
Features of Auto Sleeper Motorhome Insurance
Auto Sleeper motorhome insurance offers a huge number of features that can help you to drive in confidence, knowing that you are fully protected. Some of these include:
- Personal belongings cover: If you are leaving home in your motorhome, then it is important to have personal belongings cover. This will ensure that all of your valuables and possessions are covered if they should get lost or stolen during the trip. If you pack haphazardly, then this can happen quite easily and cause a lot of stress – so make sure that you have this.
- Coverage for a range of vehicles: Whether you are a large motorhome, or small campervan, you will be covered for all types of vehicle as long as it is used for private use.
- Accident recovery: If your motorhome is involved in an accident of any kind, then the recovery features can help you to get back on the road much more quickly. You can get full breakdown cover and recovery if needed, as well as free legal advice should you need it.
- European cover: If you are planning on taking your motorhome out of the country to Europe, then it is a good idea to get European cover as well. This will give you the peace of mind knowing that you will be able to drive in other countries and not need to worry about getting into trouble with regulations or fines.
How Can You Save on Motorhome Insurance?
There are a number of ways that you can save on your motorhome insurance coverage. This can involve looking at ways to reduce the premium and ensuring that you have the features in place that are most important to you. Some methods include:
Adding an alarm: Adding an alarm system to your vehicle is one way to reduce your premiums, as it will reduce the risk of theft or damage. Make sure that you only go for a quality alarm system, as this can make a big difference to your premiums.
Fitting locks and other safety features: Installing additional safety features on your motorhome is another way to save money on insurance, as it will further reduce the risk of theft or damage. Examples include fitting locks and additional security features, as well as other safety features such as brakes and airbags.
Increasing your excess: Increasing your excess on the policy is another way to reduce premiums, although you will need to be comfortable with taking on more risk in order for this to work for you. This can help you to get cheaper rates as well, especially if you are a large fleet.
Shop around: Compare different policies to find the best quotes, as there can be big differences between insurers. This will help you to find the coverage that works best for your needs, at a price that you are comfortable with.