How to Keep Your Motorhome Insurance Costs Down
A motorhome is a high-end vehicle, designed to offer luxury and comfort when on the road. But as an owner, you’ll know its value extends far beyond financial worth. It also carries great sentimentality, having taken you on numerous adventures both at home and abroad.
You want to care for it properly, of course, which means you need a suitable motorhome insurance policy. It’s important for you to know that you are adequately protected in case anything does go wrong. But for premium vehicles like motorhomes, the cost of cover can soon stack up.
So, how much does motorhome insurance cost and how can you reduce the price of your policy? Read our useful guide to find out.
How much does a motorhome cost to insure?
The answer to this question depends on a number of different things. Just like their owners, motorhomes are unique – as are the circumstances in which they are used. So, it’s almost impossible to offer a figure as to the average cost of motorhome insurance.
The make, model, age and mileage of your vehicle are all likely to have an impact on the price of your policy. So too is information regarding your driving history and the length of time you’ve held your licence.
But there are some steps you can take to help you make a saving. Here’s our guide on how to reduce the cost of your motorhome insurance.
You can offset the price of purchasing physical deterrents such as chains, locks, and clamps by reducing your motorhome insurance costs as a result. These security measures will lower the risk of thieves attempting to steal your vehicle, so you’ll be getting priceless peace of mind as well as the possibility of being able to find a cheaper policy.
Cameras and sensors
A small ding or dent can still prove expensive to fix, while any claims made through your policy are likely to have a knock-on effect to the price of your premium. Nobody wants to be in that situation, so why not get some extra help with the use of driver-assist functions? Parking sensors, sound alerts and reversing cameras can all help you when you’re manoeuvring in tight spots and can ensure you come away without any mishaps.
Are you lacking confidence in your night-time driving? Perhaps you want to improve your parking skills. Or maybe it’s been a long time since you were behind the wheel and you want to brush up and get some practice in before you head back out on the road. If so, there are courses you can take – and gaining extra qualifications can help you keep your motorhome insurance costs down, too.
There are several providers who offer a range of sessions, including those which focus on specific elements of driving as well as general skills. There is a fee for enrolling on these courses, but you could see it pay off in the long run with savings on your policy.
It could prove a sensible move to get your motorhome valued on a regular basis. Even with the utmost care and attention, it is likely to depreciate over time. This may mean that after a few years you’re paying over the odds for a premium that reflects your vehicle’s original worth, rather than its current market value. With an accurate appraisal, you’ll be in a better position to find a motorhome insurance policy that’s tailored to your needs.
Do you keep your motorhome parked on your drive when you’re not using it? If so, it might be making your cover more expensive – especially if you live in built-up, urban areas where the average cost of motorhome insurance is higher. As an alternative, you should consider keeping your vehicle in a secure building such as a garage or storage unit.
The Caravan Storage Site Owners’ Association (CaSSOA) offers facilities designed especially for this. Depending on the level of protection you choose, you can benefit from robust gates and fencing, CCTV, number plate recognition technology and high-tech alarm systems. Keeping your pride and joy at a CaSSOA-approved site can go a long way to reducing your motorhome insurance costs.
Whenever you come to renew or shop around for your next policy, it’s important that you work out your typical annual mileage as accurately as you can. A rough estimate could be wildly above the mark, which would mean you end up paying a higher premium than you should be.
Being part of a club or association means you can communicate with your fellow motorhomers, swapping travel tips and handy hacks to make life on the road all the more enjoyable. Not only that, some providers will offer discounts if you are a member of certain organisations, so signing up could be another easy way to keep your motorhome insurance costs down.
A tracking device can make it easier for the police to recover your motorhome if it is taken. Although there is a cost attached to installing such technology, it’s a small price to pay when you consider the peace of mind it offers – especially when it’s offset by lowering the cost of your motorhome insurance.
Find out how much it costs to insure your motorhome with Comfort Insurance
It only takes a few moments to find out how much motorhome insurance costs with us. Our premiums start from £220 and all you have to do to get a quote is fill out our simple form with a few basic details and we’ll let you know the price of your premium. We always put our customers first and we want to help you as much as we can, so if you have any questions, please don’t hesitate to give us a call on 0208 984 0666.
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We’re a family run business with over 30 years' experience in the provision of specialist motorhome and campervan insurance. With a wealth of awards under our belt, we pride ourselves on providing a friendly and professional service, offering you the most comprehensive cover money can buy - starting from just £220!
We’re a family run business with over 30 years' experience in the provision of specialist motorhome and campervan insurance. With a wealth of awards under our belt, we pride ourselves on providing a friendly and professional service, offering you the most comprehensive cover money can buy - starting from just £200!