Make Sure Your Motorhome Is Fully Protected

Purchasing a motorhome is an incredible investment that could cost thousands of pounds

. Therefore, it is highly imperative that any motor-home owner carefully chooses the proper cover. Make a mistake not choosing the proper cover and you can lose quite a lot including all the investment you made into purchasing the vehicle.

Granted, this would be the worst-case scenario, but keep in mind the whole concept behind acquiring insurance cover is to protect your entire investment in the event that something dramatic would happen leaving you open to the ultimate financial loss.

Is not Motorhome Cover the Same as Car Insurance?

Yes, there are several similar aspects about car insurance and motor-home cover, but essentially a motohome is a very unique vehicle requiring some special consideration when it comes to obtaining cover protection. There is an aspect about obtaining the minimum amount of cover that would be third party only, but this may not provide the adequate protection since a motor-home investment typically far exceeds anything a person would invest in a car.

Therefore, unless you are putting an exceptionally old and well-ridden motor-home on the road, you really have no choice but to opt for fully comprehensive insurance. In fact, all lenders making loans for motor-home purchase will require fully comprehensive insurance. This not only protects the lender, but also provides the utmost in financial protection to the owner as well.

Comprehensive Covers Everything:

That is why the name is "comprehensive." Since this is an exceptionally large investment in what is considered a pleasure vehicle and not an essential piece of transportation needed for everyday existence, there are a number of reasons why a motor-home cover policy has to be designed in a particular way.

One consideration that you must understand is the fact that this is a home on wheels and thus you need to protect everything that makes it home. This includes all the belongings and equipment that make up the contents of your vehicle. Comprehensive cover is the only way to make sure that all your belongings are properly protected. Insurance companies offering motor-home cover fully understand this aspect.

Make Sure to Check Limits:

But, there is a limit to how much these particular belongings can be insured for and this will differ from one provider to another. For example, some providers offer new for old cover, which typically means no matter what the age or condition of a covered belonging, in the event that a successful claim is made, the replacement value of that item will be the payout. Other providers require that all items listed on an authorised contents inventory will only be replaced with a true value taken into consideration.

If You Think Car Breakdown Is Expensive:

The actual out-of-pocket expenses that a motor-home owner would incur in the event that there is no proper motorhome insurance breakdown cover might just break down the owner. Proper cover for a motor-home would include towing the vehicle to an authorised facility where repairs would be made. Additionally, a payout would also cover temporary accommodations for all travellers at the time of the breakdown.

It is also important to indicate to a potential provider that you will or will not be motoring about Europe. This particular aspect of motorhome insurance will make your premiums go up, so if you never intend on leaving the UK make sure it is committed from your policy.

by: Neil Anderson

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