Guide to Motorhome Insurance
This guide to motorhome insurance is designed to give you a few things to think about when looking for the best value for money cover for your motorhome.
Look for value for money
Value for money is not simply about comprehensive cover and low cost although both are, of course, important to all of us. It is also about service, expertise, experience and the whole process for you. From getting the cover you need through to the ease of making a claim, this quick guide is here to help you focus on what you need to get the right cover for you.
Check what previous customers have to say
Customer reviews are an invaluable source of information and will often talk about what is really important to you rather than just what the company wants to sell you. TrustPilot and Feefo are good places to check for reviews and a google search is always worth doing for this reason. Even where there are complaints or bad reviews, the response or otherwise from the company you are interested in can tell you a lot more than advertising alone.
Of course, if you insure your park home with Park Home Assist, then you will be familiar with our helpful, friendly and award-winning service.
Understand your motorhome
You have an obligation to be honest when you take out any form of insurance cover. This will help you and your insurer find the right package for your specific circumstances. Being accurate and honest will also help to avoid any problems in the event that you do need to make a claim on your motorhome insurance.
Make sure that any changes you make to your motorhome during the period of your cover, are recorded and reported to your insurer as quickly as possible. Again, this will go a long way to making sure of a smooth claims process.
Talk to your insurer
While many insurers brokers and their customers enjoy the ease of online quotations, there is often no substitute to being able to talk to an individual. Smaller, family-run companies and the like, are often better at providing a personalised service. Bigger operations often rely on call centres or online forms alone and can be confusing and impersonal when it comes to ironing out the specific needs of individual customers.
When you make a claim, it is sometimes in stressful circumstances and being able to get a friendly, helpful person on the phone can be a great help in guiding you through the process. You have to be happy with who you are ultimately going to be dealing with should you need to make a claim.
Check the motorhome insurance is underwritten by a reputable firm
This is especially important if you are buying your insurance through a broker, which most people do. Make sure your broker has done their research and has found the best value for money for you, while making sure your policy is sound and underwritten by an organisation that can ride out the ups and downs of the market economy. Long experience in the field of motorhomes and leisure goes a long way to ensuring that your insurer understands your needs.
Is the motorhome cover comprehensive?
The following list should help in choosing the best standard motorhome insurance cover, guiding you to some of the options you might need.
- The value of your motorhome – insurance cover up to £60,000
- Whether motorhomes valued over £40,000 require a tracker
- Mileage usage up to 10,000 miles per year
- No garaging requirements
- Vehicle engine size up to 2999cc
- 180 days European cover as standard
- Insurance cover for camping equipment, awning & personal effects up to £3,500
- Windscreen cover as standard with just a £90 excess if an approved repairer is used
- Standard excess of just £250
- Cover for drivers aged between 30 – 74
- Optional protected no claims bonus
We hope that you have found this introductory guide to motorhome insurance useful. If you have any questions, don’t hesitate to call one of our experienced and professional advisers who will be happy to answer questions and make sure you get the right cover for your personal circumstances.
This is a marketing article from Park Home Assist, award-winning insurance providers specialising in insurance for park homes, leisure homes and related insurance in the leisure sector. For more information about insuring your motorhome, contact our friendly team in our Northampton office on 01604 946 796.