If you’re driving on public roads, you must have appropriate insurance for your campervan or motorhome. When you arrange a policy, be clear about your plans and how you intend to use your motorhome or campervan so your insurer can tailor your package to your needs. Your entire policy could be invalid if it’s not an accurate reflection of how you use your vehicle. Elements to consider and discuss could include:
• Contents insurance, particularly making sure the belongings you take are covered. Your home insurance (if you have a main home) may cover you for some contents when away from the property.
• Breakdown cover to help you get back on the road.
It’s worth bearing in mind that if you live in your motorhome permanently, finding a policy might not be straightforward. This is because premiums are based on risk, which is partly influenced by where you live. If you’re living on the road, your location is likely to change regularly, which increases the risks you face (from an insurance perspective).
Don’t forget, if you also have a property you plan on leaving empty while you’re away, check if your home insurance will still provide cover. Many insurers will have a limit on the amount of cover they’ll provide for an unoccupied property (normally up to 90 days). If you’re away for periods longer than this, you may find your cover is restricted or you have none at all, so it’s best to speak to your insurer, who will be able to advise.
If you want to find out more and speak to an expert about what motorhome insurance you need, contact a member of our team at 01603 649744. We can also help with cover if you’re interested in starting a motorhome hire business and need guidance on self-drive hire insurance.