Motorhome Investment Requires Carefully Chosen Cover

Although you have made a much more sizeable financial investment in your motor-home versus your car

, you cover costs differ greatly. Car cover tends to be quite more expensive, even full comprehensive cover, than what is charged for providing insurance cover for a motor-home.

Although a motor-home is far much larger than a car, is different and sometimes more awkward to operate, it is not considered a greater risk. Motor-homes are generally considered by providers as far safer than an car. The reasons for this are fairly simple and when you actually stop to examine why, it becomes obviously apparent as well.

One simple reason is the amount of use time. Cars are used far more often than a recreational vehicle like a motor-home. This is one reason that motorhome insurance is cheaper. Another is the type of usage. Consumers using a vehicle to go to and from work are at far greater risk of an accident than a motor-home user who takes to the roads for a holiday a few weeks out of the year. Typically, motor-homes are not primary use vehicles and as such, national statistics gathered indicate them to be a better insurance risk.

Insurance companies use statistical data to help determine premium rates for motorhome insurance. There are a relatively small group of owners as opposed to car owners. Cars far 'out-drive' motor-homes annually compiling much more mileage which indicates greater exposure to accident risk. Cars are known to operate at speeds that are more inductive to accident risk than the lowers speeds motor-homes travel. There are other considerations as well such as the number of cars that are parked in non-secure areas. Motor-home owners tend to provide a greater amount of off-road secure parking in fenced-in commercial storage lots or behind locked garage doors.

There are also many personal driver criteria that favour motor-home owners. Most are quite older and far more experienced when considering the average car driver. Motor-home owners tend to be stable, financially better off long-time employed individuals when compared with car owners. You will probably never find a newly licensed young driver seeking to insure a motor-home.

Furthermore, driving a motorhome may require obtaining an additional C class license to operate - depending on the vehicle size. This type of regulation has an impact on just who qualifies to drive a large recreational vehicle and it usually reveals older, experienced and financially stable men as opposed to young inexperienced drivers.

Since motor-homes are recreational vehicles, they are seldom driven in high risk urban areas, In fact, statistics point to the fact that their usage is found mostly in rural areas where more camp-grounds and other parking facilities are located for recreational use. The size alone is not conducive for primary travel purposes and an owner needs to be mad when driving a motor-home back and forth for employment purposes!

No, providers offer lower cost motorhome insurance because the very nature of using a motor-home is for relaxation and fun, which, thankfully, cost less travelling than going to work.

by: Tom Jones

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