If you are looking for the cheapest motorhome insurance, you may find the following tips to be of some use:
• whatever the price offered, remember that what is cheap for someone else may not end up proving to be cheap or even cost-effective for you if it does not provide the protection your asset demands. Therefore, concentrate initially on validating the cover provided before getting too heavily sidetracked into thinking about the price on offer;
• remember that the way you use your motorhome may prove to have a significant effect on the price of your insurance cover – for example, typically the higher your annual mileage the more your insurance may cost you;
• another example of where you may be able to obtain price reduction is in the area of where you park your motorhome overnight – if you park it on your driveway or in a garage then you may be able to anticipate a lower caravan insurance premium than if you park it on the public road;
• be cautious about trying to use your motorhome for non-leisure related activities (e.g. commuting or travelling on business etc) as policies typically may prohibit such use or require significant extra premiums in order to provide such cover;
• you may find it more difficult to hunt for the cheapest motorhome insurance if you are trying to include on your policy younger or more inexperienced drivers (some policies may require confirmation as to how long a full and appropriate licence has been held) – the same may also apply if you or any potential drivers have motoring convictions on their licence;
• insurance providers may regard overseas use as being higher risk than UK use, therefore, if you are restricting your motorhome journeys to the UK you may wish to restrict your search for the cheapest motorhome insurance to policies that do not automatically include substantial continental cover.
