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Using the services of an online caravan insurance broker may help you get the right level of cheap motorhome insurance online. This may be particularly important if you are new to motorhome ownership and would appreciate the expertise and knowledge that a specialist broker can provide.
In some ways your motorhome is just the same as any other road going vehicle and so may benefit from comprehensive and third party vehicle cover. In other ways though, there are also important insurance considerations that are specific to motor homes.
These typically relate to the fact that motorhomes also provide living space for holiday accommodation. Many motorhomes can have comfortable living accommodation and be fitted out to a very high standard. If you add to this your own personal belongings, then your insurance may have to cover a number of very specific risks.
What cover is provided for audiovisual equipment?
Unlimited cover for audiovisual equipment fitted by the motorhome manufacturer may be available. If you have this type of equipment fitted later, there may well be limits on the amount of cover provided. It may be worth noting that items such as mobile phones or portable computers may not be covered.
Is a courtesy car provided in the event of a breakdown?
A courtesy car may be provided as part of your cheap motorhome insurance online cover if your motorhome breaks down. Some policies may require that you use certain recommended garages for repairs. You may also find that they can also provide alternative accommodation since if your motorhome breaks down you have lost your holiday home as well.
Is foreign travel included?
If you intend to travel overseas in your motorhome you may find that some cheap motorhome insurance includes a certain number of days cover as standard. (Top-ups may be available if you plan to use your motorhome abroad for longer periods.)
Can I use my mobile home for commuting?
While your motorhome is just like any other car in many respects, you may find that your insurance may not provide cover for commuting. Cheap motorhome insurance online premiums may have been calculated for holiday use only. If you plan to use your motorhome on a regular day-to-day basis you may have to make special insurance arrangements.
Finding a suitable deal
If you are looking for cheap motorhome insurance online it may make sense to use a specialist broker who may be able to provide answers to these and other questions. One such provider is Park Home Insurance Services Ltd who you may have heard of. Originally they arranged specialist insurance policies for park home owners. Now, they can offer cover for static holiday homes, touring caravans and motor home insurance policies too.
Searching for the most appropriate static caravans insurance UK may at times seem to be time consuming and frustrating. Yet it may be very important to ‘get it right’ for the sake of your financial health.
The insurance attributes of static caravans
Your static caravan is vulnerable to a number of risks. It could be stolen and removed from its usual site. There is also always the risk of burglary and vandalism. Sadly, natural disasters do occur from time to time and floods, fires, storms and trees are always a real risk.
Unpleasant as it may be to think about these things – they do happen. If you do not have appropriate insurance, you may find yourself in serious financial difficulties.
The insurance costs of static caravans
The cost of your static caravans insurance UK may (or may not) be affected by a number of factors including:
- location – is it on a secure site?
- its type, value and age
- whether or not it is fitted with an industry-recognised security system, clamps and immobilisers etc – having these may reduce your premiums
- your claims history (if any) – 3 years no-claims history may reduce the price
- whether or not it is occasionally moved
- the occupancy position – caravans that are empty for extended periods may be seen as higher risk than those permanently or semi-permanently occupied
- the situation with respect to contents
- whether or not you will accept a higher voluntary excess
- whether or not you rent it out.
It is difficult to generalise on these things and obtaining an online quotation may be useful as a way of exploring your options. There are products available that may be suitable and it is entirely free and without obligation.
So if you’re looking for static caravans insurance UK, it may never be too soon to try that online quotation!
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The Hobby make of caravan remains very popular for a wide variety of reasons. Unfortunately though, you may find that hobby caravan insurance is typically a little harder to find and potentially a little more expensive than for some other makes.
Why may the insurance costs be higher?
Hobby caravans typically are:
- imported. As such, if they are damaged by accident or vandalism, any repairs or replacements may need to be similarly imported from overseas. This may involve considerably higher cost for the insurance companies than if the vehicle had been of UK manufacture.
- in possession of an enviable reputation for using very high-quality fixtures, fittings and associated equipment. Although this may be attractive for the purchaser, the reality for insurance companies is that once again, the average damage repair or replacement costs may well be more expensive than on some other models.
- uniquely styled and built and typically regarded by some as prestigious or status models. As a result, they may be far more attractive to not only you but sadly also thieves, who may specifically target them leading to some insurance companies concluding that the insurance risks are consequentially higher.
Some insurers may, in fact, decline to cover some Hobby caravans.
What options may be available for reducing the insurance costs?
It may be possible to find not only good Hobby caravan insurance but also at a price that doesn’t break the bank.
There are policies available that offer reductions to owners that are willing to:
- accept a voluntary excess
- fit an immobiliser device
- fit one from an approved list of security and tracking devices
- show their maturity by joining a recognised owners’ or touring club.
Finding out more about the specific details of these ‘cost reduction’ options maybe a good idea if you are the owner of a Hobby.
Touring caravan & motor home insurance
Insurance can be provided to cover things such as theft, collision damage, new-for-old replacement of items and so on. Your Hobby caravan is a special possession and ensuring that it is fully protected by the most suitable Hobby caravan insurance cover is important – though at the most appropriate price of course!