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A typical Motorhome Insurance policy will cover equipment, baggage, awnings, toilet tents, portable TVs and audio equipment up to a total value of £350.
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Remember that many of your personal effects may already be covered under your household contents insurance policy. You will also need to consider what might happen in the event of a break-in. You can now pick up cheap insurance at supermarket checkouts, but will they have the expertise to help you out if you find yourself in trouble and need to make a claim? It is always tempting to opt for the lowest premium, but if you find yourself needing to make a claim, particularly while you are using the motorhome and the situation is time-critical, will the cheap policy provide the support you need? When choosing an insurance company make sure you speak to other motorhome owners to get their recommendations and always check that the company you choose has a 24-hour helpline so that whatever happens, and whenever it happens, someone is on the other end of the phone line to help you. We can never really know how good our insurance is until we need to make a claim. Club Care policies offer 365 days cover in the EU and associated countries.
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Some insurers limit cover to 90 days, while others allow the full 365 so if you are planning a lengthy trip, make sure that your insurance will cover it. If you like to take your motorhome overseas on holiday, then you need to ensure that your policy allows this. There are so many Motorhome Insurance policies available that it can be overwhelming to decide which one is right for you and gives best value for money while still meeting all of your needs.īelow are a few factors to consider when choosing a Motorhome Insurance policy, along with a few insights into how premiums are calculated so you know what could make it cheaper.