Keeping your investment safe is a priority for motorhome owners and this is where specialised insurance comes in. The easiest way to protect your vehicle, motorhome insurance provides varying levels of coverage at a price that works for you. This includes policies for motorhome replacement, accident recovery, window and windscreen cover, and personal effects cover.
In the case of an accident or emergency, it’s better to be safe than sorry and you’ll be grateful to have the right insurance in place. You can choose from comprehensive, third-party, and specialised policies, that provide added extras to your cover. The best-suited premium for you depends on a variety of factors, including your vehicle’s age, usage, value, security measures, and driving record.
Here are some handy practical tips and tricks that you can use to find the best value insurance for your motorhome:
Shop around for quotes
Don’t go with the first motorhome insurance quote you find, instead shop around to guarantee that you’ve found the best options for your lifestyle. Premiums also tend to change in proportion with market rates so companies will offer promotions and incentives to keep existing customers happy and attract new ones.
Consider higher deductibles
While traditional insurance plans may be cheaper, higher deductibles may be better value for money and are more convenient for you. If you can afford any out-of-pocket costs in the event of an accident, you’ll pay lower premiums.
Utilise security measures
Having extensive security measures can lower insurance premiums and has the upside of keeping your campervan secure from opportunistic criminals. A motorhome is vulnerable to theft and damage as it stays in the same place for a prolonged period, so you won’t be sorry to have security measures installed, such as alarm systems, door locks, wheel clamps, and clutch claws.
Join an RV club or association
Joining an RV club gives you exclusive access to specific campgrounds and amenities that are more expensive and resort-style. Not only does this provide you with many exciting networking opportunities with like-minded people, but gives you access to handy discounts on motorhome insurance.
Maintain a good driving record
Keeping your nose clean and maintaining a good driving record will save you more than a few pennies here or there. By driving safely and being claims-free, you’ll experience lower insurance premiums because you’ve proven that you are a responsible vehicle owner.
Take a defensive driving course
Taking a defensive driving course is the perfect way to boost your confidence on the road and help reduce your motorhome insurance. These courses will teach you how to improve your observation skills, timing, and road positioning, as well as how to improve car control in icy conditions, driving in busy city centres, and other unpredictable terrains.