If you’re going to be driving on British roads, then you’ll need your vehicle to be insured. Different varieties of vehicle demand different types of insurance. In the case of motorhome insurance, you’ll have several bases covered: you’ll protect not only the vehicle but all of the property you might have stored inside of it. Generally speaking, you won’t be able to drive a motorhome using standard car insurance.
Insurance often Increases with size
Larger vehicles tend to be more expensive to insure than smaller ones. For one thing, they tend to be more valuable, since more raw materials went into their construction, and they tend to be more complicated. In the case of a motorhome, we’re not just looking at the vehicle itself, but all of the non-vehicle stuff embedded into it.
What’s more, larger vehicles tend to be exposed to different kinds of risks on the road. They’re more difficult to drive, they have more blind spots, and they’re generally more likely to be involved in an accident when mileage is held constant. While they’re not quite as bad as trailers, you’ll still face a more challenging drive.
What’s the Difference between a Motorhome and a Campervan?
The two terms here are often used synonymously. But it’s worth bearing in mind the differences between them, especially if you’re going to be dealing with insurance.
A campervan tends to be a modified van that’s been made to create a living space. A motorhome tends to be something much larger: you can think of it as a caravan integrated into the van that might otherwise have been towing it. You’ll tend to get more comfort and luxury in a motorhome than you would in a campervan.
How do you Reduce your costs?
You can limit the amount you spend on motorhome insurance in several different ways.
Join a Motorhome Member’s Club
By simply being a member of the right organisation, like the Camping and Caravanning Club, you can earn a discount on your motorhome insurance.
Reduce your Mileage
The less distance you’re travelling, the less risk your insurer is exposed to. You might find this reflected in your premium.
Park off-road
If you have a place to park your motorhome where it’s off the street, then it’ll be at a statistically lower risk of running into problems. Again, you’ll find that insurers are willing to offer you a better deal if you take this step.
Experience
The more experience you’ve got behind the wheel of a motorhome, the less likely you are to be involved in a crash. Experienced drivers also tend to be older, which also correlates with fewer pay-outs. As such, if you’re going to be driving a motorhome, it makes sense to get started sooner rather than later.
