Motorhome insurance explained
Do you need motorhome insurance?
It makes sense to cover your motorhome with a good insurance policy in order to protect your investment. Motorhome insurance can be taken out on a variety of motorhome body classes and styles including: micro; van conversion; coachbuilt or overcab; A-class; American RV; camper van; compact; and low profile. To find cover for your motorhome it’s best to shop around as some providers will only cover certain body types and some will only cover professionally built motorhomes rather than DIY or self-built models.
Types of motorhome insurance
There are three main types of motorhome insurance:
- Third party only: This covers liability for injuries to others as well as damage to their property.
- Third party, fire and theft cover: Traditional third party cover plus cover for your motorhome against fire damage, theft and damage caused during an attempted theft.
- Comprehensive: this covers everything that is included in third party, fire and theft cover plus cover to insure your motorhome against at-fault damage, subject to policy exclusions. Comprehensive motorhome insurance policies can vary widely between providers but some of the features to look out for include: new for old cover; European cover; a courtesy car to keep you mobile if your motorhome is written off or stolen; vandalism cover; personal effects cover; and more.
Is there anything else to look out for with motorhome insurance?
Read the terms and conditions of any policy that interests you carefully and be wary of exclusions – these are circumstances in which you will not be covered. Typical exclusions on a motorhome insurance policy include claims arising from your motorhome being used as a place of trade, and theft of contents unless there is a forced entry. Also be aware of the policy excess as this is your contribution towards a claim.
For more information, read our motorhome insurance guide.
Choosing the right company
When assessing motorhome insurance policies, look beyond price alone and examine the policy features and exclusions carefully to ensure you choose an appropriate deal - for example, if you plan to take your motorhome overseas does the policy offer European cover and how many days does it include? You may find that it’s worth paying a little extra for a policy that offers more extensive cover although you should also consider whether there are any discounts available such as secure storage discounts, low mileage discounts and reversing camera discounts
