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AIB Motorhome and Camper Insurance

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Call now on 02380 268351 for an instant quote and cover, get up to 20% discount when you mention Small Motorhome Group.

 

 

Motorhome insurance: Getting the balance of cover, service and price just right

 

Getting a great deal on your motorhome insurance isn’t about getting the lowest price possible regardless of what’s actually covered - it’s about getting all the cover you need, from an insurer you can trust, at a good price.

 

Key elements of cover to lookout for:

 

  • Comprehensive insurance cover, including cover for windscreens.
     
  • Cover for essential motorhome equipment such as your TV, sat nav, awning, gas bottles, generators and cooking utensils. Some insurance specialists will automatically include a fixed sum of cover for such equipment, but the amount of cover provided and the items of equipment covered can vary significantly from one company to the next.
     
  • Note that some policies will offer cover for personal possessions taken from home such as clothing, but it’s worth checking your home insurance policy as very often this will cover you to take such items on your motorhoming trips anyway – don’t pay to cover such items twice! Often there will also be limits to personal possessions cover on a motorhome policy meaning high risk items such as laptops and cameras are excluded.
     
  • A specialist motorhome breakdown and recovery service may be automatically included or offered as an optional extra.
     
  • Option to include European Insurance cover and European Breakdown cover. There are often limits on the number of days a policy will permit you to travel abroad so check this is enough for your planned excursion.
     
  • Motor legal expenses is an often overlooked element of cover that allows you to recover costs such as your excess, motorhome hire or even loss of earnings following a non-fault accident

 

Customer service is key

 

One of the most important aspects of insurance is the level of service you receive from your insurer. Choose a motorhome insurance specialist which is backed by a well respected insurance underwriter, and which has a good record when it comes to customer service and claims handling. Not only will a motorhome insurance specialist have a policy specifically designed for motorhomes, but their staff will also be experts in getting the right cover in place to suit you and your motorhome’s specific needs.

 

What else affects the cost of motorhome insurance

 

Note that the postcode of where you store your motorhome and the claims experience of the motorhome drivers can massively influence the price you pay for motorhome insurance. An inner city postcode is likely to add a big chunk onto your premium as opposed to a rural postcode. Likewise a driver with an immaculate and lengthy claim free driving record is likely to qualify for no claims discounts of over 60%.

 

Getting the best deal

 

A good way to reduce the cost of your insurance is to invest in some extra security at your storage location, or on the motorhome itself. Fitting a monitored, pro-active tracking device will generally earn you the best security discount, but Thatcham Category 1 approved alarms and even factory fitted immobilisers will also help to bring the price down.

Fitting 24-hour locked gates at your storage location (which can be as simple as adding a strong padlock to your driveway gates) or choosing a storage site with good security, is another simple way to reduce your motorhome insurance premium.

Some insurers will also let you pick and choose elements of cover such as European Insurance and European Breakdown, meaning you aren’t paying for insurance cover that you don’t need or won’t use. Others will bundle everything in automatically.

 

You may also be able to claim discounts for:

 

  • Low annual mileage
     
  • Being a member of a motorhome a caravan club
     
  • Fitting reversing cameras/sensors
     

Motorhome, Campervan, Motor Caravan, RV or whatever else you may call it, AIB have the insurance solutions covered

 

Call now on 02380 268351 for an instant quote and cover, get up to 20% discount when you mention Small Motorhome Group.

 

See our website AIB Motorhome and Camper Insurance

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