Posts Tagged ‘consider’

Points to consider when looking for motorhome cover

May 31st, 2010    Posted in Top Tips
 

When looking for motorhome cover there are many points that you might want to consider. You will of course want to make sure you get the cheapest insurance possible. However at the same time it is essential that you ensure you have got the right cover for your needs. Take out a policy without comparing the features along with the cost and you could find yourself unable to make a claim on the policy.

The first choice you have for taking out motorhome cover is whether you need fully comprehensive insurance or third party fire and theft. This would depend of course on how much you have paid out for your motorhome or how much it is worth. If you have a brand new motorhome or it is over a certain amount then you would have no alternative but to pay out for fully comprehensive insurance. If your motorhome is old or you are buying a second hand vehicle then you might want to consider third party fire and theft as this is the cheapest way to cover your vehicle.

If you are taking fully comprehensive motorhome insurance then there are many features that you would need to check. The first of these would relate as to how you plan on using your motorhome. If you are going to be touring around Europe then you would need to ensure that European protection was added into your policy. This is essential as if you were to break down or be involved in an accident or suffer any kind of loss while in Europe and did not have protection, you would not be able to claim on the insurance. With cover you would be able to claim for recovery of your vehicles and for repairs. The insurance company would generally pay out for you to stay in alternative accommodation while your motorhome was being repaired, up to a certain amount.

A fully comprehensive policy would payout for loss of belongings in the motorhome. Some providers will payout new for old and others could take depreciation into account. If you are offered new for old protection then your belongings would be replaced brand new of course. You would have to go around your motorhome and make an inventory of your belongings so that you would be able to state the amount you want to insure.

This amount would be paid back in the event that you lost everything.

To keep down the cost of your motorhome cover you could offer to pay out more in excess than what the insurance providers asks for. The excess is what all insurance companies will ask that you pay towards any claim that you have to make. The amount you choose would have to come out of your own pocket in a lump sum so be aware of this when choosing the amount. You could also boost up the security of your campervan in order to keep down the cost of the premiums. By installing steering and wheel locks or a tracking device you can make savings on the premiums.

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Campervan insurance – what to consider when looking for insurance

May 25th, 2010    Posted in Top Tips
 

Owing your own campervan is one way of taking a break whenever you feel like it and it is relatively inexpensive. You have a way of getting from A to B and you have a place to sleep, eat and hangout. You do not have to search for expensive hotels and you have the freedom to be able to explore and move about and take in many sights, as and when you want. The only downside to owning a campervan is of course that you have to take out campervan insurance. However it does not have to cost a fortune and there are many benefits to having insurance.

One thing you may want to consider when buying a campervan is that you may have problems when it comes to insuring the van if it is not a UK make or model. For instance if you buy and import an American or Japanese model, you may have trouble finding someone to insure it. If you do find an insurance company willing to insure your campervan then the premiums may come with high cost.

When considering buying a campervan and you are a new driver you may have trouble finding insurance companies who are willing to take you on. Usually you have to be at least 21 and some providers may ask you are even older. Generally, you have also need to have held a driving licence in the UK for a certain amount of time before being able to get insurance for a motorhome.

So what might your fully comprehensive campervan insurance cover?

Personal effects cover – Your personal effects may be insured in your policy but there is a limit as to how much the insurance pays out if you claim. Your clothing and camping equipment may come under the policy and such things as an MP3 player or personal DVD player may also be covered. However if they are, they are usually only protected under the insurance whilst they are in your campervan and not if stolen or lost outside.

Gas bottles and awnings – Gas bottles and awnings are often included in your insurance policy but again there may be a limit to how much you are able to claim, if needed. You may also want to find out if awnings are covered in the event of them becoming damaged due to a storm. Some providers may include this in the exclusions.

Loss and damage – Your campervan and belongings are covered in the event it is stolen, damaged or destroyed by fire. However, you may want to check to find out if the policy also covers damage, which is accidental. Some insurance providers include this but not all.

Key and lock replacement – In the event that your campervan is broken into and the locks damaged or the keys are stolen, your campervan insurance policy usually pays to have your lock replaced. Again, there is a limit to how much you are able to claim for locks and key replacements.

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