Buying and using a motorhome is one of life’s great pleasures and for many people the search for the model of their dreams can be a long, but enjoyable, process. After all, it’s important to get the right vehicle for your needs.
But for some reason, fewer people put the same effort into buying an insurance policy, believing life on the open road will be an endless joy. And, thankfully, it usually is.
But what happens when something does go wrong – especially major dramas like flooding, or an accident where legal complications develop? With the right insurance policy from the right company, virtually any situation can be managed quickly, efficiently and hassle-free.
However, with the wrong insurance, and a less than efficient provider, you run the risk of encountering heartache which could drag on for days, weeks or even months.
One of the easiest ways to get the very best motorhome cover is to use a company that specialises in bespoke motorhome insurance – like Sureterm Direct, for example – who understand exactly what’s required to guarantee a trouble-free life when accidents happen.
They’ve been providing outstanding specialist cover to motorists for a decade, and have put together a list of the key dos and don’ts when insuring your motorhome.
“When you look at the cost of a new motorhome, compared to the relatively small cost of insuring it, motorhome owners who don’t put in the legwork to get the right policy often live to regret it,” said Sue Hessom, the general manager of Sureterm Direct.
“You’ll only find the best product for you by talking to experts who understand which is the right motorhome insurance policy for your own circumstances.”
9 ESSENTIAL Do’s
DO consider exactly what your circumstances are likely to be over the coming year. Details like how much will you be using your vehicle, such as how many miles you will do – Sureterm will give a discount dependent on the mileage. Also decide where you are likely to go. You can get policies for Green Card included – some for the year, some for 90 days in any one trip
Do think about where you are going to keep your motorhome – discounts are given for keeping under your own watchful eye at home or at a CASSOA site – farmers fields are often frowned on by insurers as unfortunately most motorhomes are stolen from storage fields with no security.
BE honest when providing these details to your insurance provider. Being economical with the truth is rarely economical in the long run.
DO explore fully whether you need to make sure your policy covers personal effects and accessories that will be in the motorhome - and extras like awnings. Some large awnings, for example, can be expensive to replace. Specialists, team at Sureterm Direct, pick up on these little things when you’re discussing your requirements, where £5000 personal effects cover and £2000 for awnings is included for no extra cost at all.
DO ask if there are discounts available depending on the length of time you’ve owned your motorhome, or if you’re a member of a club or association. Many specialist motorhome insurers reward experience with better premiums. Sureterm Direct offers a 15% discount to motorhome club members.
DO be clear about your No Claims Discounts (NCD). Many insurers will mirror the NCD you’ve accrued while driving your car.
DO try and seek out 100% totally impartial advice. Independent companies and nationwide operating intermediaries like Sureterm do not run or work at any other business, club or organisation, so the advice given is totally unbiased. Sureterm for example, has access to 40 different underwriters – so calling them is the equivalent to making 40 different calls!
DO use insurance providers that are authorised and regulated by the Financial Services Authority. And do consider using specialist motorhome insurers. In some instances, particularly with household names, motorhome cover is just an add-on to a larger insurance business.
Specialist companies, like Sureterm, spend time training staff in their own training academy in the intricacies of motorhome ownership and identifying policies to make them as attractive as possible to motorhome owners.
DO make sure you understand the difference between the types of cover available – fully comprehensive (the best), third-party fire and theft (a mid-range), and third party (the most basic). Visit www.sureterm.com/motorhome-insurance.php for an explanation of some common insurance terms.
7 IMPORTANT DON’Ts
DON’T lie about your circumstances - be honest with your underwriter. If you cause a pile-up in Peru having claimed you were never going to leave Peterborough, be prepared for a nasty surprise!
DON’T make assumptions. For example, many motorhome owners tow a small car behind to make it easy to pop to the local shops. But don’t assume your Ford Ka, Smart car or little Fiat will be covered simply because it’s attached to your Winnebago or Bessacar. Some policies automatically give you third-party cover for your cover, but in other cases you might need to take out full-comprehensive car insurance too. Always check.
DON’T leave security to chance! A simple immobiliser or a tracking device such as the Phantom tracker (which retails at less than £500) can save you almost that in insurance every year and increase resale when you come to sell on your motorhome or RV.
DON’T fall into the trap of thinking that the larger insurance companies will offer the best policies. As motorhome insurance is not their core business, they often overlook factors that could make a huge difference once you’re on the road. Continental breakdown cover could be missed off, or you might be restricted on how much travel you can do in Europe within a calendar year.
DON’T make a claim for minor accidents. Small accidents to another person’s vehicle like a broken wing mirror are often best dealt with without involving your insurer. By paying for the repair yourself, you can protect your No Claims Discounts and ensure you continue to pay low premiums. However, don’t get involved in an accident that’s more than a bump and fail to raise it with your insurance company about it at renewal time. There should be no secrets.
DON’T assume everyone offers the same policies. They don’t. But there are ways to quickly establish what suits you by using companies like Sureterm, who use over 40 different underwriters - so phoning them is the equivalent of phoning 40 direct insurers that you can think of in just one call.
DON’T rely on internet form filling to guarantee you’ll get what you want. While most insurance companies offer an online quoting system, a little extra time spent talking to expert insurers on the phone is a great way to make sure all eventualities are covered. Sureterm has one of the best teams in the country available for advice on 0800 999 2030.