Just as the name suggests, a motorhome is more than just a vehicle, it is a small home on wheels. Motorhome insurance, therefore, needs to reflect this dual purpose in order to afford adequate protection for your investment both in the vehicle itself and in the contents which make it a home.
Despite its offering cover against such twin perils as motoring and a mini-home, however, motorhome insurance may often prove to be amongst the most competitively-priced forms of vehicle insurance.
Motor insurance
When it comes to insurance, the likely value of the motorhome probably makes very basic cover (ie third party only) inadequate in the vast majority of cases and third party, fire and theft or – more usually – fully comprehensive insurance is going to be sought. The latter cover is typically designed to indemnify the driver not only against claims from third parties but also provide cover for accidental damage, theft and fire.
Some providers of motorhome insurance, however, recognise that the majority of owners are likely to be of the more experienced and mature type of driver (indeed, some restrict cover only to drivers over the minimum age of 25 years).
Many also take into account the fact that the motorhome is used relatively occasionally during the year, when on holiday, and driven in suitably holiday mood, when there is no rush-hour pressure to get to work. Indeed, some motorhome protection policies may specifically exclude the vehicle’s use for driving to and from work.
Add to all this the fact that motorhomes may be less likely to be the subject of theft than other kinds of vehicle and it becomes easy to see why competitive premium rates are often offered on this type of insurance.
“Home” insurance
As your home away from home, the modern-day motorhome is likely to contain not only a range of personal belongings but also come fully-equipped with such things as television, video-players, computers and satellite navigation. Although it may be necessary to check carefully the maximum levels of compensation in the event of loss through theft or damage, insurance for motorhome policies are typically designed to offer protection for such fittings and personal belongings.
As offered by other providers of motor insurance, motorhome cover may often come with the benefit of a free courtesy car, whilst the motorhome is being repaired following an accident covered by the policy. Motorhome insurance more often goes that one step further, however, by recognising that the vehicle is not only a means of transportation, but of accommodation, too. If the motorhome is stolen or otherwise rendered unusable, some insurance policies may make provision for alternative accommodation (subject to a maximum cost per night and for a prescribed maximum number of days).
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