Compare campervan cover

You may have taken a great deal of time choosing your campervan as of course it is a huge investment. Doing the same with insurance may help ensure that your campervan cover is appropriate for your needs.

Campervan insurance may be something of a specialist field, so it may make sense to use a campervan insurance specialist. In fact, you may find that general car insurers just don’t offer it. The internet typically is a useful place to find the specialist providers who can.

Why won’t car insurance provide the protection I need?

The basics of campervan insurance are very similar to those for a car. Typically there are options for fully comprehensive, Third Party, Fire and Theft for example.

However there are a number of significant differences though, some of which are based on the fact that your campervan also provides your accommodation.

Holidays

Typically campervan insurance is based on the assumption that your van will be used mainly for things like holidays. You may therefore find that many providers of insurance may not cover a campervan or motor home for regular use commuting to and from work for example, as the risks are entirely different.

Fixtures and fittings

Typically a campervan will contain a lot in the way of fittings and fixtures to make it habitable. It usually also has luxuries in it like a TV, for example. You are also likely to keep more personal belongings in you campervan. All of these things may make it more of a target for thieves so they may all need to be insured.

Breakdowns

If you were to have a breakdown, you will not only have lost your mode of transport but also your holiday accommodation. Having campervan breakdown cover, which can in some instances also provide alternative accommodation to allow you to continue your holiday, may be a good idea.

Discounts

You may find that a few of the specialist providers of campervan cover may provide discounted premiums if you can demonstrate that you are a careful and responsible owner by:

 

l adding security measures to your campervan. Some providers may ask that you do have certain amounts of security on your campervan before you can take out insurance.

l parking your vehicle in a secure and approved parking area when not in use;

l making yourself a member of a caravan club recognised in the UK.

Home and abroad

 

When you arrange your campervan cover it may be worth remembering to check the terms and conditions for what, continental cover you may need for travel outside of the UK.

The advantages of campervan insurance you could look for

Your new campervan will be your pride and joy. Whether you have chosen to buy a second hand campervan or have taken on a sparkling new home away from home campervan that comes complete with all the mod cons of home, you need campervan insurance.

You do have choices when it comes to taking out insurance and this would depend on the type of camper van you have chosen. If you chose to buy a second hand camper just to take out and about in the UK a couple of times per year then you could be better off taking out third party fire and theft insurance. However, if you were to purchase a brand new model fully comprehensive insurance is needed. This is the dearest type of cover but it would provide you with the most complete form of protection for your campervan.

Campervan insurance differs between each insurance provider with some offering more features than others for your money. However, the majority of comprehensive insurance will include protection against fire and theft. In some cases the insurance company would payout to replace your campervan with a brand new model if it should be damaged beyond repair or if stolen.

However, this would usually only apply if the campervan was under a certain age or if it had done under so many miles. This would need to be checked before taking on the policy. Usually providers offer storm damage and flood damage in with your campervan cover, which of course could be considered essential if you are taking your campervan out on the road for a great deal of time throughout the year. Some providers will also include accidental damage in with their policy while others could ask that you pay extra for this, so again checking the small print is essential.

There are also many extras that could be included in your campervan protection or which you can add onto the cover for a little extra. One of which might be European cover, this should be considered essential if you intend travelling outside of the UK in your campervan. If your insurance cover does have European cover included then you would have to check how many days coverage the policy would provide as usually there will be a limit.

European cover would payout for such as a stay in alternative accommodation if you were to break down or have an accident while in Europe. It should also payout to have your campervan towed to a garage and pay towards the repairs

In the typical campervan cover the policy pays to replace your personal belongings,such as bedding,your clothing and linen. However, you would have to check the limits on these as insurance providers typically will only pay out up to so much and certain items such as those of particular value might not be covered. There would also be a minimum amount of excess on the policy which would need checking as this is the amount you would have to pay out of your own pocket before the insurance provider would take over the rest of the claim.