Whether you are touring England in a campervan or planning a weekend away, it’s essential that you get yourself insured for accident coverage. As with car insurance, camper van insurance is a legal requirement, protecting you against financial responsibility to others. It can also include pay for the damage you cause to your own Campervan, depending on your insurance you choose. A good policy will protect you for the price set out by the provider and give you peace of mind that you won’t be left with huge bills when something goes wrong.
There are a number of different kinds of campervan insurance available, depending on what makes your vehicle unique. The most basic form of campervan insurance is third party insurance. This covers you for any injuries or damage caused to other people or your property by your car or campervan. For example, if you hit another vehicle, or someone climbs onto your vehicle and breaks something, this is covered by the third party insurance. If you have security or baggage theft protection, this is covered in addition. Check with your car insurance company to find out what other options are available to you, but at a minimum this is the basic insurance you need to be safe.
If you are travelling in particularly remote or dangerous parts of the world, you may want to consider getting extra campervan insurance. For example, if your journey takes you through areas where there are civil unrest or political turmoil, some providers may not insure you. In these cases it’s worthwhile looking around and speaking to a specialist insurance broker. On their site they will be able to provide you with a range of extra protection, such as hospital travel insurance, emergency evacuation insurance and more. This may be one of the better insurance products you can get as it gives you peace of mind knowing you’ll be covered for any risks or dangers, and even if you do fall ill you’ll be taken care of.
Another common request made by people when buying campervan insurance quotes is for insurance to cover their personal belongings. Some insurers will offer policies that will cover all of your belongings in total, and others may only cover specific items. Generally the more your belongings, the greater the risk of claim payout. So a low premium insurance policy is excellent if your belongings are expensive and/or valuable but remember that the insurers may set a limit on the amount they are willing to pay out on a claim.
When it comes to your personal possessions, you should always take into account what your vehicle is actually worth. The majority of campervan insurance quotes are based on a replacement cost value, which is the insurance provider’s estimate of what your vehicle is worth. The exact value of your van or caravan may differ, depending on how long it has been out of service. If your vehicle is less than 5 years old, it may not even be covered by a full policy.
Your insurance company will ask you many questions before they will give you a quote for campervan insurance. These queries will focus on things such as the make and model of your RV, its safety record, who else will be driving it and how many passengers there will be. To give your insurance company an accurate assessment of the risk of insuring your RV, you will need to provide details about your lifestyle. For example, you will most likely have to declare any outstanding speeding tickets you have, your age and your gender. The more details that the insurance company has about your particular lifestyle, the more accurately they can give you a quote.
Not all insurance providers will insure motorhomes for recreational purposes. It is important to find out whether your insurance provider will insure your motorhome for road legal purposes, or if they only insure it for nautical miles. This is because the majority of people who buy a boat or yacht will also want to insure it for road travel in some form, so it is important to choose an insurance provider that will cater for your needs.
Finally, make sure that you are fully aware of what the insurance terms and conditions entail for your campervan. It is essential that you fully understand what is not covered, and that you are fully aware of how much the premiums will cost. All insurance cover is not the same and if you are unsure of anything to ask a specialist immediately.