subject: Does Your Motorhome Have Road Worthy Cover? [print this page] When the time arrives for you to take that motorhome out on the road in the UK, better make sure you have the proper road worthy cover. Without the proper cover, you may definitely hit a financially detrimental bump in the road you travel.
So, take your hand off the ignition key, remove your sunglasses and check your policy making sure you have taken everything into account that you need to in order to have the right cover before you put your foot on the pedal.
Motorhome Cover Can Differ From Car Cover:
When acquiring a policy, a number of different things need to be considered very carefully that will provide you the proper protection you might not be considering when insuring a car. Motor-home and car cover are entirely separate types of different policies, therefore it will be a prudent move to examine a provider specialising in the offering of motor-home cover.
When you choose to go with a specialist, especially when looking through a broker, this individual has the experience and contacts to be able to look at all the different providers available to find you not only the best cover deal to suit your particular needs, but one that is not going to assault your pocket.
Miles to Go Before You Stop Raises Premiums:
If you are an avid and consistent motor-home user taking to the roads frequently instead of but one or two holiday weeks per year, your insurance premiums are going to be a lot higher than others. Also, the same logic indicates that motor-home travellers who ride the holiday outside the UK are going to have to pay a higher premium as well. This is one of the aspects about your cover where you need to be totally honest when you take out the policy.
Keep in mind that if you indicate when taking out the policy that you will limit your motor-home travel to the UK to keep your costs down and subsequently make a claim for an accident occurring in Europe, your policy will be voided.
Simple Things You Should Not Overlook:
There are certain items or components of any motor-home such as steps and awnings that need to be included in a policy. You will need not be surprised in the event that these particular items are not covered and they get ripped up in bad weather or damaged in other ways with repairs having to come out of your pocket.
Always check the provider's policy because some include it automatically in some do not. Also check to make sure that motor-home contents are covered in your policy before you hit the road. Almost all vehicles are fitted with a refrigerator, cooker, bathroom and other kitchen appliances that can easily be damaged, vandalised or stolen. Another point about contents cover is to make sure you understand if full replacement value will be offered in a payout. Some motorhome insurance providers will only cover new items for replacement.
Remember that if all the contents of your motor-home or destroyed or stolen, replacement will be very expensive if it has to come out of your pocket. Choosing new for old as your contents cover type in your motorhome insurance policy is the best method to go since you will more than likely not replace it with a used item at a lower price.
