Why do motorhome insurance quotes differ?
Posted: March 20th, 2010 | Author: George | Filed under: motorhome insurance | Tags: motorhome insuranceJust because you know someone who got motorhome insurance a hundred pounds or so cheaper than you, it does not mean you might get your insurance for the same cost. Motorhome insurance quotes differ, and sometimes they may differ greatly. They can be due to many factors and generally, no two quotes are the same. Here are some of the factors that may determine the cost of the caravan cover:
- the make of your motorhome may affect the cost of the insurance. If you have imported a motorhome from the USA for example, then the cost to insure it may be a great deal more than if you were insuring a model from the UK;
- the engine size of the motorhome influences the cost of cover. Typically the more powerful the engine, the more it costs to insure;
- your age typically plays a factor in how much you have to pay for insurance. The younger driver typically attracts higher motorhome insurance quotes due to the fact that they have less experience on the roads;
- how you use your motorhome affects premiums. If you only take it onto the roads a few times per year, you may apply for limited mileage protection. The cost is typically reflected by the amount of miles driven each year.
- the level of cover you choose (eg fully comprehensive insurance policy or third party fire and theft) is a huge influence on the cost;
- finally, part of your motorhome insurance quotes are based on the amount you insure the contents of your motorhome for. Do not under insure to save money as this may lead to a great deal of financial expense on your part if you have to claim on the insurance policy for the total loss of the contents of your motorhome – you may not get the full value back.
