| Motorhomes offer their owners a fantastic amount | | | | affect the amount you pay for your motorhome |
| of freedom - opening up a wealth of travelling | | | | insurance premium. Consider the following options: |
| opportunities. | | | | - Overseas cover |
| However, as any motorhome owner will tell you, | | | | - Breakdown cover (both in the UK and abroad) |
| they can be expensive both to purchase, and of | | | | - Temporary accommodation (in the event of a |
| course maintain. As such, when you are insuring your | | | | breakdown or accident in the UK and abroad) |
| motorhome - it's really worth making sure that you | | | | - Replacement vehicle cover |
| are getting appropriate coverage from your policy. | | | | - Glass / Windscreen replacement |
| If your motorhome insurance policy is up for renewal | | | | - Legal expenses cover |
| you may like to check out our guide - to make sure | | | | - Contents insurance (i.e. to cover the possessions |
| that you're getting the best deal for you. | | | | which are in your motorhome in the event of theft, |
| How is my Motorhome Insurance Premium | | | | fire, flood etc) |
| Calculated? | | | | If you are looking to save money on your |
| Your Motorhome Insurance premiums are calculated | | | | motorhome insurance you might consider one or |
| in a very similar fashion to a regular car insurance | | | | more of the following: |
| policy. As such the following key factors are taken | | | | 1. Only pay for the cover you need - it might sound |
| into account: | | | | obvious, but if you don't drive your motor home |
| - The age of your motorhome | | | | abroad - make sure you're not paying for insurance |
| - The make and model of your motorhome | | | | cover to do so |
| - The size of the engine | | | | 2. Fitting your motorhome with an alarm or |
| - The annual mileage | | | | immobiliser or having it electronically tagged |
| - The age and experience of the driver | | | | 3. Some insurers offer discounts for motorhome |
| - The insurance history of the driver (i.e. whether or | | | | owners who are members of certain clubs / |
| not the driver has made any claims in the past) | | | | organisations - this can be as much as 15% |
| In addition to this, the following factors are also | | | | 4. Shop around - ideally get at least three quotes |
| taken into account: | | | | from different providers to make sure you get the |
| - Where the motorhome will be stored (e.g. parked | | | | best deal. - However - buyers beware - not all |
| on the street, in a secure garage etc) | | | | insurance policies are the same. Make sure that the |
| - The Excess you are prepared to pay | | | | quotes you get are comparable (i.e. are offering the |
| - Whether or not your motorhome has an alarm or | | | | same level of cover, extras, excess, etc) |
| immobiliser fitted / is electronically tagged | | | | 5. |
| Finally, the amount of cover you will require will also | | | | |