Back to Posts

Motorhome and Caravan Insurance Insights

  • Motorhome and Caravan Insurance Insights

Follow these top tips when getting insurance for your "home on wheels"

Owning a motorhome or caravan can open up a world of adventure and freedom. However, these vehicles also come with responsibilities, including ensuring them properly. Having the right motorhome or caravan insurance ensures you are covered financially in case the unexpected happens while on the road or parked up. 

Follow these top tips when getting insurance for your "home on wheels" 

Research Your Options Thoroughly

Not all motorhome and caravan insurance policies are created equal. Take time comparing different providers and policy options to find the best value coverage for your needs. Look for an insurer that specialises in motorhomes and caravans over standard vehicle insurance companies. Specialists understand the unique risks and requirements around ensuring a motorhome or trailer.

Consider An Agreed Value Policy

Rather than insuring your motorhome or caravan based solely on its market value, opt for an agreed-value policy. You and the insurer settle on a set payout amount in the event of a total loss. This guarantees you will have enough money to replace your rig with a similar make and model rather than receiving a depreciated payout. However, you must ensure the agreed value reflects realistic replacement costs.

Choose Suitable Coverage Limits

In addition to total loss replacement, your motorhome or caravan policy should include liability coverage in case an accident injures others or damages their property. It should also cover personal possessions kept on board, emergency accommodation costs in case your rig is unusable after an incident for example windstorm damage, fire damage, theft and more. Select coverage limits high enough to protect your assets fully.

Add Breakdown Cover

Because motorhomes and caravans face high risks of mechanical problems or flat tyres far from home, adding breakdown coverage to your policy is wise. It provides access to emergency roadside assistance, towing, parts delivery and other services to get you up and running again quickly. Some insurers offer this as an optional add-on while others include limited breakdown cover in the base policy.

Protect Your No Claims Discount

Accruing years without a claim typically will earn you a substantial no-claims discount on your premiums. To safeguard your discount, opt for protection through your insurer. For an additional annual fee, they shield your no-claims status and the discount rate from being reduced due to one or more future claims on your policy. This provides peace of mind against premium hikes down the road.

Use Extra Security Measures

Insurers offer premium discounts for policyholders who install hitch locks, wheel clamps, tracking systems and other anti-theft protections on their motorhome or caravan. Boost security to deter criminals and cut your insurance costs. Keep valuables out of sight from windows as an added safeguard against smash-and-grab thefts.

Park Smartly to Reduce Risks

Where and how you park your motorhome or trailer impacts insurance rates and claims. Park in secure, well-lit areas rather than isolated country spots to deter theft, vandalism or accidents. Use chocks for the wheels and stabilizer legs to prevent unexpected movement while camped. Leave ventilation openings clear and check for leaks after rainfall or snow to prevent costly interior water damage.

Ask About Special Discounts

Besides security discounts, insurers offer other ways for motorhome and caravan owners to save on premiums. You may qualify for multi-policy, multi-vehicle or group membership discounts by bundling other insurance products or belonging to certain approved clubs. Retirees who use their motorhomes mostly for vacation trips may also pay less.

Review Your Policy Annually

Assess your motorhome or caravan insurance needs before each renewal date rolls around. Have you added customized parts that need added coverage? Are you hitting the road more often and require higher mileage limits? Any changes in usage, security measures, driving history or storage conditions could mean it’s time to adjust your policy. Make needed tweaks to keep premiums and coverage aligned with your risk factors.

By following these practical tips and tricks around insuring your treasured motorhome or caravan properly in the UK, you gain both financial protection and peace of mind. With the right policy in place for your situation, you can feel free to roam without worrying about unexpected hassles or major expenses down the road. Happy adventuring!