Insuring a motor caravan is a different matter
entirely to insuring a car; there is little point really in going to
your friendly neighbourhood insurance broker who you buy your car
insurance from an expecting to get the best deal available, since it
is highly unlikely that the company will be fully conversant with
such a specialised field. Fortunately one of the greatest advantages
of having the Internet available in practically every home in the
country is that we are all now able to contact specialists in all
kinds of obscure businesses, most of which would be virtually
impossible to find in the past!
So why is a motor home so different? Firstly, it
is neither a car or van, nor is it a home, but it shares many of the
risks of both. This means that you will need all the usual cover
that you expect with a van insurance policy, such as cover for
third-party damages or injuries, and perhaps personal injury cover
as well as fully comprehensive cover in the event of a car accident;
but you also need to be indemnified against losses caused by a
burglary, domestic type accidents and, in particular, vandalism too.
If you are carrying valuable items including cash or jewellery
within the motor caravan you will probably have to specified these
individually, and some insurance companies may well place
limitations on the mileage that you cover in a year, or even the
places that you visit. Many motorcaravans are built individually for
each client and solely technical specifications can vary
considerably; an appreciable number are in fact modifications of
existing vehicles and these factors can complicate matters still
further but a competent specialist insurer or broker should be able
to navigate through these problems without difficulty.
As in the case of most high-value vehicles,
fitting a tracker device and an immobiliser/alarm system may well be
a very wise step which could lead to lower premiums.
Not only do the terms and conditions of motor
home policies vary considerably from insurer to insurer but also the
premiums that they charge can be very variable too! All the more
reason to drive straight past a high-street broker and consult the
Fortunately motor caravan drivers are usually
fairly mature people with long driving records and so it is quite
rare to find younger drivers, who sadly are responsible for the
majority of accidents, driving them which means that premiums can
often be surprisingly low.