As the cost of living increases, ‘van owners might be tempted to seek cheaper insurance. However, it’s absolutely crucial to remember that the lowest-priced option isn’t always the best when you are insuring your motorhome – a specialist vehicle with unique features and risks.
Here, I’m delving into the potential pitfalls of ‘cheap’ motorhome insurance and what to look for in a quality policy, ensuring that you make an informed decision.
A motorhome is not a car
Remember, the best motorhome is more than just a large car; it’s a complex piece of equipment that provides you with a home that moves.
Choosing a cheap motor policy might not provide adequate coverage for the unique risks associated with a motorhome.
For example, a basic policy might not cover personal belongings inside the vehicle. You might not be covered if your motorhome were to be destroyed because of a hob fire.
Good motorhome insurance will cover the unique nature of a ’van and all that you travel with, including upgrades you have made.
What are you compromising if you opt for cheap insurance?
Ask yourself what you’re sacrificing by selecting a cheaper insurance policy. For starters, many budget policies offer minimal accessory cover, which is essential for protecting your (not insignificant) investment in lithium batteries, solar panels, outdoor furniture, and even specialist bedding.
These items are all vital to your motorhome lifestyle, and a tailored policy will ensure adequate cover for damage, theft or loss.
Another potential shortfall to bear in mind is ‘stuck-in-mud’ cover. This is designed to protect you if your motorhome gets stuck in soft ground at a campsite, which is more common than you might think. Without proper insurance cover, you could incur a costly and inconvenient rescue bill.
Breakdown Cover: are you fully protected?
Not only are motorhomes big and complicated, but you’re also likely to use them less often and to travel longer distances in one go, which is why breakdown cover is vital.
Cheaper policies may exclude breakdown cover or offer limited assistance. A premium policy will include nationwide or Europe-wide (see: breakdown cover for roadside repairs and towing your vehicle to the nearest appropriate garage.
You might choose to buy breakdown cover from a specialist provider. If so, always check for any length or weight limitations on the policy.
Foreign travel: know what you need
If you plan to use your motorhome to explore further afield in Europe, you are going to require more than just basic cover.
Many cheap insurance policies will restrict the number of days that you can spend abroad, or might not cover European travel (see: Eurotunnel or ferry if you’re wondering what the best way to reach the Continent is).
The last thing you want to have happening is to break down in the wilds of rural France or Italy and then discover that your policy doesn’t extend beyond UK borders.
Check out our guide on how to deal with a motorhome accident overseas if you want some tips on how to prepare, should the worst happen.
Restrictions: know the stipulations
One of the most significant considerations is to know any hidden restrictions and stipulations.
For example, does your insurer require you to install a tracker? Do motorhome security measures, such as a wheel clamp (see: the best motorhome wheel clamp if you’re on the hunt for one) or a steering wheel lock, need to be in place for the insurance to be valid?
Some policies include these stipulations in the small print, but failing to meet them could invalidate your insurance. Premium policies typically offer more explicit guidelines and fewer hurdles for claims.
These policies often have more precise T&Cs, making understanding what’s covered easier. Knowing what’s expected of you is essential to ensure you’re not accidentally invalidating your insurance and risking a rejected claim.
How to find the right provider
I’d avoid comparison sites when shopping for motorhome insurance. These platforms can show you the cheapest deals, but they often fail to depict the specific cover you need for a ’van.
Instead, choose a trusted and experienced provider specialising in motorhomes, who understands the nuances of insuring them.
This might take time, but by using a specialist provider, you’ll benefit from better cover and superior customer service.
When disaster strikes, you don’t want to be stuck dealing with a company that treats your motorhome as just another vehicle.
You need the assistance of experts who can handle your claim efficiently and quickly, dealing with everything from managing any repairs to organising accommodation if you’re stranded.
Do your research
Take the time to do your homework, just as you would if you were buying a motorhome. Read the reviews, ask for recommendations and study your policy schedule thoroughly.
This details what’s covered and highlights any exclusions or stipulations that may affect claims. It’s essential to know what you’re signing up for. Your ’van represents a significant investment, and the last thing you want is to find out you’re not covered just when you most need it.
Researching your options, understanding the details and selecting a reputable provider could protect you from costly headaches.
Choosing a specialist insurer means you’re in the hands of experts, so use them. Call them if you’re unsure of any details in the policy, and they’ll be happy to talk through your concerns.
A final thought on insuring a motorhome
Rising premiums might push you to seek the cheapest policy, but remember that what seems like a bargain today could become a very costly mistake tomorrow. Understanding the details is crucial to ensuring you are adequately covered when you need it most.
It might be tempting to opt for the cheapest policy, but investing in comprehensive cover from a reputable provider offers peace of mind and protects your vehicle. Choose the best protection and enjoy the reassurance that you’re in the safest hands if the worst does happen.
Before you set off on your next tour, be sure to take a look at the 33 errors every motorhome owner will want to avoid, as the experts at Practical Motorhome share their hints and tips to help you have an enjoyable trip.
The material contained in this article should be used for informational purposes only and in no way should be relied upon as a substitute for independent insurance advice
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