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What are the Main Types of Motorhome Cover?

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What are the Main Types of Motorhome Cover?

Travelling across the UK and EU in your motorhome can be a great way to explore and experience your break, whether you’re travelling solo or with your friends and family. There’s no need to worry about rushing to the airport or thinking about missing your flight. Travelling in your motorhome gives you the flexibility of stopping and absorbing beautiful sceneries and making your road trip worthwhile. It gives you the total freedom to not worry about rushing or missing your journey.

Although you get total freedom and flexibility when travelling in your motorhome, you are required to maintain insurance on your motorhome by law. The only exception is when your motorhome is off the road, which you must contact the DVLA and apply for Statutory Off-Road Notification (SORN).

So what is motorhome insurance?

In a nutshell, it is much like your car insurance, required by law to cover you, your vehicle and your passengers from various situations, including damage, traffic accidents and theft caused by break-ins. In addition to the standard insurance required by law, motorhome insurances will often cover for higher amounts of personal possessions and longer periods of EU use.  Motorhome insurance helps motorhomes and campervans in case of any damage, road accidents, also cover clothes, baggage, non-permanent fittings, and fixtures.  

What are the main types of motorhome cover?

Motorhome insurance can vary depending on your needs, but the most common and widely used are:

  1. Third-party insurance – helping you cover and compensate for the injury and damage you cause to other people or their vehicles.
  2. Third-party, fire and theft insurance – helping you cover and compensate as mentioned above plus the cover for theft, damage, and destruction by fire.
  3. Fully comprehensive insurance cover – helping you cover everything mentioned above, plus if you have an accident, both you and your vehicle will be covered, even in the event that it’s your fault.

Contact Advance Insurance to find bespoke motorhome insurance catered to your needs – while at home, and away.

How to reduce your motorhome insurance?

Our top tips to reducing your motorhome insurance are:

  1. Keeping your mileage low
  2. Joining a recognised motorhome owners club- some insurance companies recognise these and may offer a reduced price
  3. Taking an advanced driving course

If you would like to know more about motorhome insurance and find the right one to cater to your needs. You can get a quote online or find any local insurance broker.

 

Amy Adams Author

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