There are a number of different types of motorhome, such as the following: A-Class, Coachbuilt, Demountable, and Van Conversion. When applying for a motorhome insurance quote, the price you will pay will very much depend on what particular type of motorhome you own.
Most motorhome insurance brokers will let you drive any other motorhome or private vehicle, but with these other vehicles you will only be covered third party. You must also have the permission of the owner whose motorhome or private vehicle it is.
Most insurers will allow you to tow a trailer with third party motorhome insurance. However, if you know in advance that you will need to tow a trailer, then it will be worth enquiring with the particular insurance broker as to whether this is okay or not.
If your vehicle does not exceed 3050kg then the speed limit, without a trailer, is the same as any normal vehicle across all carriageways. If you are towing a trailer then you are limited to 50mph on a single carriageway, and 60mph on a dual carriageway and 60mph on a motorway. If your vehicle exceeds 3050kg, but does not exceed 12 metres in length, you are limited to 50mph on a single carriageway with, or without a trailer, and 60mph on a dual carriageway, with or without a trailer. On a motorway with a trailer the limit is 60mph. Without a trailer on a motorway the limit is 70mph. If your vehicle weighs over 3050kg, and does exceed 12 metres in length, then you will be limited to 50mph on single carriageways, and 60mph on dual carriageways and motorways, with or without a trailer. The weight and size of your vehicle will affect the price of your motorhome insurance quote. It is essential however that you tell the insurer the truth about the size of your motorhome.
If your motorhome weighs less than 3500kg then it should be taxed in the PLG category. If it weighs more than 3500kg, then it should be taxed in the PHGV category. The weight of your vehicle may well affect the amount you will need to pay for your motorhome insurance policy.
If your licence does not include category C1, you will not be allowed to drive a motorhome that exceeds 3.5 tonnes. If you passed your driving test before 1st January 1997 then your licence will automtically include C1, otherwise you will have to take the required test. If your motorhome exceeds 7.5 tonnes, you will need a category C licence (HGV licence). When applying for a motorhome insurance quote you may need to declare details, such as the weight, of your motorhome.
55% of claims were made as a result of accidental damage.
18% of claims were made as a result of damages caused by a storm.
13% of claims were made as a result of theft.
7% of claims were made as a result of malicious damage.
5% of claims were made as a result of fire or flood.
2% of claims were a result of other reasons.
In order to find you the cheapest motorhome insurance policy we need to firstly know about what type of insurance would be right for you.
For example, if you buy a 2 berth model to take to the Cotsworlds for a week each year your policy will probably cost less than if you are planning on going to Europe for the ski season during winter. However, many providers offer comprehensive policies that mean you can travel wherever you want throughout the year without having to worry about whether you are covered or not!
Motorhome insurance may not be cheap, but there are steps you can take to help bring down the price of your premium, mostly focused around making your motorhome more secure. Such as an alarm, locking wheel nuts, steering lock, GPS tracker, window locks, and wheel clamps.
As motorhomes can vary so much, your insurer will ask you for quite a lot of information about you and your motorhome. These can include: Make and Model; Number of bedrooms/berths; Value of your motorhome; Dimensions; Age; Mileage; How you use it; Automatic or manual; Storage location details; Security levels for residence or storage location; If it is your permanent residence; and Details of any modifications or accessories. Personal details such as your driving history, insurance history, whether you have completed any advanced driving courses and if you are a member of a motorhome club may also be asked.
A motorhome policy will cover you for personal belongings that far exceed the value of a normal car insurance policy for personal belongings. This will of course be necessary. Car policies also do not have gas and explosion cover, whereas motorhome insurance does.
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