Motor Home Insurance Guide

For existing owners or those who are thinking of buying a motor home to use at weekends, short breaks, or for their main holidays it is important to realise that there are different risks associated with this type of vehicle. For instance, you may choose to tour abroad, therefore, ensure that the motor home insurance policy provides cover for this. Many insurers offer protection for European Union countries at no extra cost, however, check with the company concerned for insurance cover in countries outside of the EU or for those eastern European countries who have recently joined the EU.

Unattended motor homes are increasingly becoming the target of thieves at home and abroad, therefore, look out for motor insurance policies that provide adequate protection for audio equipment, personal effects, clothing, camping equipment and gas cylinders. Some motor home insurance companies may offer this level of cover for an additional premium. Beware of relying on your travel insurance policy for contents cover as some policies exclude theft from vehicles left unoccupied.

Specialist brokers or companies who sell comprehensive motor home insurance policies may offer windscreen replacement as standard and policy add-ons such as breakdown insurance, medical expenses, personal accident, legal expenses and get you home cover. Look out for emergency any driver cover. This is a particularly useful feature and allows passengers with a full license to drive your motor home with you as a passenger in the event that you are incapacitated and unable to drive following a medical emergency.