Archive for June, 2010
Save On Your Motor Home Insurance Using The Web.
June 13th, 2010
Posted in Top Tips
As with any type of insurance, motor home insurance can be found cheaper by going on the web. This is usually due to the cost of administration being greatly reduced as processing is handled online. Getting quotes to compare from a specialist will ensure this. Of course how much you can expect to pay for insurance will vary. One of the factors taken into account when wanting to save on your motor home insurance is the type of vehicle you need to insure.
This should be kept in mind when buying the vehicle and if you look at the various types and the cost of insurance before buying, you will have an idea if the motor home of your choice is affordable.
At the top end of the scale in motor homes is what is termed the “A” class vehicles. These are luxury models that are nothing short of homes on wheels. The majority of them have 2 to 3 berths, however it has been known for them to go up to 4 to 6 berths. This type of motor home is fully fitted with all the “mod-cons” that you could expect at home including TV, showers, fitted kitchen and bedrooms. They are however one of the most expensive types to insure.
Next down the ladder is the “C” class motor home, otherwise know as the coach build. This type is basically a van with chassis which has a caravan built onto it. They do have a lot of room and are well designed to make the most of the available space and sleeping quarters. This type of motor home is one of the best choices for the whole family. They also include larger kitchen space and bathrooms and over cab sleeping areas for children.
Finally there are the camper vans; these are conversions of normal vans. This type is the cheapest when looking to save on your motor home insurance. These are also the easiest vehicles to manage when it comes to parking as they are more compact, with a large majority of them being based on the Ford Transit. However they are the smallest and only really ideal for a couple. Having said this they do include the essentials of bathroom, kitchen and bedroom, if somewhat on the small side.
Comments Off Tips for choosing motor home insurance
June 12th, 2010
Posted in Top Tips
Motor homes are becoming increasingly popular in the UK for travelling in comfort and they come in many different sizes, from the basic to the “home from home” vehicles with all the mod cons. When considering taking out motor home insurance the size of the vehicle will be taken into account. Another factor you have to take into account is what you plan on using the motor home for. If you are only going to be taking the odd weekend break in the motor home then the insurance will cost much less than if you are travelling around the country for many months at a time.
When looking for the best deals for your motor home then you have to go with a specialist insurance company. Someone who specialises in offering insurance for motor homes as opposed to insurance for cars will know what insurance is needed. They will also offer among the cheapest premiums, which of course need to be compared on a like-for-like basis. A specialist motor home insurance company will compare quotes on your behalf.
If your choice of motor home is one of the “home from home” types with full kitchen, bathroom and everything else found in the home then the insurance will cost more as there are more things that can go wrong and which you might have to claim for. Refrigerators are run on gas and these can be potentially dangerous so of course insurance for a vehicle holding such items will cause the insurance to be higher. You will also be carrying around personal belongings such as your clothes, money, jewellery and other items of value. Therefore you will need to have insurance to cover not only in case you are involved in an accident but also in case your belongings get stolen when out of your motor home.
You need to make sure that if you have such items as a satellite dish, TV antenna, awnings for example that these are included in the motor home insurance. Some insurance providers will include these things in a general policy while other insurance companies will ask that you add on extra cover for these, so always check out the small print of any policy you are considering taking out.
There are many things that you should think about including in your policy. For example, if you were involved in an accident that was your fault and caused injury to a third party, you need to have cover for liability. If the other party should be injured, then the cover would pay out. You also need to be covered in case you should be hit by an uninsured driver and also if you should do damage to another’s property with your motor home.
When looking for motor home insurance you should also look for a policy that offers breakdown coverage as inclusive. If you are travelling in remote areas and should break down you need to have peace of mind that you would be able to reach your destination if your motor home is not worthy of travelling. Therefore you need a service that would supply you with a replacement vehicle while yours is being repaired.
Comments Off Motorhome cover – check you have adequate cover
June 11th, 2010
Posted in Top Tips
It is essential to ensure that you have adequate coverage for your motorhome before you take it out on the roads. There are many different factors that you have to take into account when you are looking for the best deals on your insurance. If you choose to go with a specialist in motorhome cover then they will be able to search around on your behalf to get you the cheapest deal with the cover you need.
Your motorhome policy needs to be considered very carefully as there are many different things that need protecting and which you might not consider if you are used to insuring a car. Car and motorhome cover are entirely different and this is why you need to choose an insurer who specialises in offering motorhome insurance.
If you are taking your motorhome out onto the roads and doing a lot of travelling then the cost of insurance will be higher than if you only travel for a week or two out of the year. The same will apply if you are going to be travelling with your motorhome out of the UK. You do however have to be totally honest about this when taking out a policy. If you have stated that you are only travelling in the UK to keep your insurance costs down and then make a claim for an incident that occurred in Europe, your policy will be null.
When considering insurance you will need to make sure that such things as awnings and steps are included in the cost of the policy. Awnings can get ripped in bad weather and some providers will add this into basic cover while other insurance providers might ask that you take cover for such things at an additional premium. You also need to check what contents are included in the motorhome insurance. The majority of motorhomes are futted with a fridge, cooker, bathroom and kitchen and these can breakdown, therefore you need to know if they would be covered in your policy.
You also have to check the small print to see what contents cover you have in relation to if it is new for old or replacement only. If the entire contents of your motorhome were to be stolen or destroyed they can be very expensive to replace. New for old is the best type of cover as it would allow you to buy replacements at what they cost today. However, if the cover only pays out replacement for what the items were worth at the time of losing them.
You also have to compare exclusions and limitations in motorhome cover before taking on the policy. Factors to take into consideration here include if you should be hit by a driver that is uninsured and if you have liability cover which includes medical expenses. You also need to check to see if recovery and breakdown is included in the policy. If you were to breakdown and your motorhome needed towing for repair then you should be provided with an alternative vehicle, at the very least you should be taken to your destination along with your luggage.
Comments Off Budget motor home insurance can be compared with a specialist website
June 10th, 2010
Posted in Top Tips
Budget motor home insurance can be found online and you can get the lowest premiums if you compare quotes that a specialist finds on your behalf. Do not be tempted to just go for the first policy you take a look at that sounds reasonable. You need to look deeper into the key facts of the cover to see what it entails and what you would and would not be covered for.
The amount of time you spend on the road and where you are travelling will make a difference to the cost of your motor home insurance. If you are on the road with your vehicle for the majority of time then you can expect the premiums to be higher than if your vehicle is garaged for a lot of the time. The cost of insurance will also be decided by the size of the motor home with the larger “home from home” type vehicles being the dearest to insure.
When looking for budget motor home insurance you could consider taking out third party fire and theft. However this only gives the basic cover and is not really suitable if you take your motor home out on the roads from many months out of the year. You might be able to get away with a third party fire and theft policy if you only take your motor home out for one or two weeks of the year.
If you want full cover for not only the motor home but also the contents and other things then you will typically need to take out fully comprehensive insurance. While this is a dearer policy you can get a quality but affordable policy by going with a specialist website. You can also get cheaper insurance by offering to pay a higher excess charge. The excess is the amount that you have to stand to before the insurance company would payout on a claim. All insurance companies will add in excess but you can offer to pay more and this will lower the premiums you pay each month. However you also have to take into account that you would have to find that sum of money if you had to claim on the insurance policy.
When looking at fully comprehensive insurance there are many things that you have to consider, usually they will be included in the majority of policies but there many be limitations as to how much the insurance company would payout. This will differ between insurance companies so it is vital to check the small print before you take out the cover.
You need to make sure that your belongings would be covered in the budget motor home insurance policy. As this is your home while you are travelling around in your motor home your belongings can add up to a fair sum. All comprehensive policies will include cover for belongings and such as awnings but they do have a limit up to a certain amount which differs between policies. Always check to make sure that the policy you are taking gives you new for old coverage. This means that you do not lose out when it comes to replacing all of your belongings if they were destroyed or stolen.
Comments Off Campervan insurance needs scrutinising
June 9th, 2010
Posted in Top Tips
When looking for campervan insurance you need to scrutinise the contents of the policy very carefully to ensure that it contains everything needed. One of the main factors you have to consider when looking to take out insurance for your camper van is how long you use it and where you are likely to be travelling. The cost of insurance will also depend on what level on cover you need. You can choose fully comprehensive, third party fire and theft or third party only.
If you take your campervan and do a lot of travelling throughout the year then you should consider covering it with fully comprehensive as this gives the most complete cover. However if you only travel in your campervan for the odd week with the family, then you might be able to save money by insuring third party only. Third party, fire and theft provides liability protection for any third party who may be involved in an accident which was your fault as well as damage caused by fire or if the campervan was stolen.
Fully comprehensive campervan insurance on the other hand would provide you with many additional benefits. The majority of comprehensive insurance policies cover for any accidental damage that happens to the campervan. They also cover for loss or damage to the vehicle and the cover would also pay for repairs to both parties in an accident. Some will also pay for medical costs to the third party but you have to check the small print to see what the cover actually includes.
You would almost certainly want the policy to include cover for your belongings as the majority of campervans very often act like home. If you were to lose everything in a fire or if they were to be stolen then you could lose a lot. While policies usually include loss or damage to personal belongings you would be better off if the policy covered new for old. A new for old policy would allow you to replace the items lost at the value they are today as opposed to when you purchased them.
A good comprehensive insurance policy would give you some form of breakdown and recovery assistance. If your vehicle broke down and you had to pay for recovery, it could be very expensive. Usually a policy will include taking you to your destination and getting your campervan to a repair centre. Some policies will offer to pay for accommodation; however the level of cover would depend on the insurance provider.
When looking for campervan insurance check to see if you would be covered for the awning and any camping equipment that was stored in the van. Both of the can be very expensive to replace if they are not covered in the policy. Both of them are usually covered for up to a certain amount so you have to compare this in the terms and conditions of the cover. You would also have to look out for windscreen and sunroof cover and if any items such as stereo equipment and navigation equipment would be covered if these were damaged or stolen.
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