Motorhome breakdown cover
Even though you are a motorhome owner or a VW campervan fanatic, looking for the appropriate breakdown cover for you and your second home is vital. Your motorhome can probably be one of your precious assets and if it suddenly ceases to function, you will have to spend even more.
You won’t be left stranded, breakdown cover can help to relieve that pain and provide peace of mind, but above all, you will have to ensure you have got the proper policy for your needs.
Take notice of omissions on non-professional motorhome policies.
A typical one would not include any vehicle with living accommodation and you should be conscious of all weight limits.
Levels of motorhome breakdown cover
Just like cars, a standard policy for a motorhome should consist of both local recovery and roadside assistance. Extra features are included as add-ons and when you buy a more sophisticated policy.
Breakdown policy options to consider
Home support offers extra cover when your motorhome is not close to your home address or when it is not able to start. Not every policy covers you when your van refuses to start on your drive, thus, if your motorhome is not reliable and you are not clever enough with a spanner, it is sensible to ensure that home cover is added to your policy.
With the availability of this package, you will get recovery vehicle and a set number of people to all mainland destinations if your motorhome can’t be fixed locally. National recovery could be a wise investment if you take your motorhome on a regular trip around the UK. Even as you are on holiday, some insurers will come all campsites in the UK.
When your motorhome is faulty and it’s far away from your home, and rapid repair cannot be achieved, onward travel cover will offer you with sensible onward travel expenses or another vehicle will be provided and if the need is, it would cover alternative accommodation.
Several insurers will get you to your vacation destination and pick you up if you are facing some difficulties putting your motorhome on a working condition at the end of your journey. Although, this depends on your insurer’s terms and policy.
Since your motorhome happens to be your holiday accommodation and your means of transportation when you far away, it is appropriate you check if your policy provides the right backup alternative.
The European cover is an essential part of motorhome breakdown cover if you desire to travel the continent with all the comfort of home. When you make regular trips across Europe although the year, you should make sure you take out year-long European cover. Yearly, a multi-trip cover is usually available for up to 31 days trip and for a year, 90 days in total, while single trip policies may provide cover for up to 91 consecutive days.
Annual policies might need you to inform your insurer before the time of departure to your destination. If you don’t get a prior warning from your insurer of your trip, your policy might be invalid.
It is very vital to inform your insurer which countries you are to visit because insurance requirements differ across the continent. When you are planning a trip abroad ensure that you have European cover and also find out what it entails. Will it take you to your destination? For instance, or basically, if it will take you to the closest garage and leave you in a state of dismay, trying to speak with the mechanic in GCSE French?
Should I Insure myself or my motorhome?
This is a question of personal cover against vehicle cover. The personal cover will insure you as a driver while vehicle cover will insure your motorhome and whosoever that is driving it. The vehicle cover may be the best option if it is more than one person driving the motorhome. It is generally cheaper when the policy provider recognizes the risk it takes when insuring the vehicle.
If you are driving many vehicles, a personal cover may be more appropriate, but it is essential you check if your personal cover is valid for different types of vehicles like motorhome and a car. It is usually more expensive if this type of cover is been used because the insurer won’t know exactly what you are driving.
What if I have a big motorhome?
You may need to take a special breakdown cover if you own a larger motorhome (typically, it is over 5.5m long and 2.3m wide. If this happens to be the case, then you should also be concern about the weight limits. Once more, it is vital you check the information on your policy and also ensure if your motorhome is completely covered.
What if I possess an old motorhome?
You may find out you take more and more care and spend more and more money if you are a proud owner of a VW van. It might not be a serious issue if you are going to breakdown. For vehicles up to a specific age, several insurers might simply provide breakdown protection. You can look around; there are plenty of providers ready to cover old vehicles. It is very important to move around with a fire extinguisher on board as campervans are prone to electrical fires and can easily go up in flames. On a lighter note, it is also very simple to lock the van with your keys while still on the ignition because of the old-fashioned push-down door locks.