If you’re considering buying a motorhome, you’re likely wondering what you will need to use it safely and legally. Whether travelling for a holiday or storing it for storage, you will need motorhome insurance.
According to the National Caravan Council, new motorhome finance and sales in the United Kingdom peaked in 2018, with 14,655 motorhomes registered. Over the last 10 years, sales of motorhomes have been up by an average of 83 percent.
Visit the best motorhomes for sale in the UK and grab yours if you already haven’t.
Here are some questions you should ask before signing a motorhome insurance agreement.
Ask Yourself When Purchasing For Motorhome Insurance
Motorhome insurance protects your motorhome, whether travelling on the road or keeping it in storage. This is all you need to know about motorhome insurance. An experienced company that meets your requirements.
Are There Any Special Licensing Requirements To Drive A Motorhome?
To ensure your motorhome is safe, you must be legally licensed to operate it in two places where you might be subject to limitations. One of them is how big your motorhome is, and the second one is related to the age of your driver.
According to the government website, if the motorhome you’re driving has an allowed maximum mass (MAM) of 3.5 to 7.5 tonnes, you must possess a C1 category license. If they equipped the motorhome with a MAM greater than 7.5 tonnes, it must be fitted with a C license.
The age of your driver and the date you passed the driving test determine your capability to drive in a motorhome. If you completed your driving test before the 1st of January 1997, you’re in the C1 category and can move any motor vehicle that weighs up to 7,500kg.
If you did not pass your driving test before the 1st of January 1997, you would hold an A or B1 license. You are only permitted to drive vehicles weighing 3,500kg or less. If you plan to buy a larger motorhome, you’ll have to pass another driving test to add the C1 category to your license to drive.
Am I Required To Insure My Motorhome?
The law requires that you keep your motorhome insured. You’re not required to carry insurance on your motorhome only when you officially declare your motorhome out of the roadway. You need to call the DVLA and request an Off-road Statutory Notification (SORN).
If you want to consider your motorhome off-road, you cannot operate it on public roads. If you keep it in a garage along an avenue, on private property, or in a storage facility, it is possible.
Can I Drive A Motorhome Using My Car Insurance?
Because motorhomes cannot be operated in the same way as cars, you need to purchase specialised coverage for the motorhome. The motorhome is a smaller house. Therefore, you’ll need a different type of insurance that you would need for your vehicle.
Will Brexit Affect My Insurance?
Britain has left the European Union, and although most insurance policies are not affected, talks are still in progress. You are not required to wear a Green Card when driving through Europe; however, this changed after the 31st of December in 2020. So, you can use your vehicle on EU roads, with the present European coverage.
You should speak with your insurance provider one month before your travel date to get the green cards for your caravan, vehicle motorhome, trailer, or caravan. If you plan to travel, be sure to follow the rules attentively.
What Affects The Cost Of My Insurance?
Five major factors influence the price of the insurance you purchase for your motorhome. First, you must consider your driving history.
If your driving history shows you have had no claims in the last couple of years, you will probably receive an insurance discount. Most insurance companies will consider your driving record from your car to ensure your motorhome.
The way you intend to use your motorhome will affect the cost of insurance. If the motorhome you own is the sole vehicle you use to commute daily to work, and for holidays insurance, it is more expensive.
If you keep your motorhome in storage and only use it for leisure, the insurance might be cheaper; if you keep it in storage and only use it for relaxation, the insurance companies offer discounted insurance CaSSOA sites offer discounted insurance. They typically cover flooding and fire, but their offer doesn’t protect against theft.
The amount of mileage you drive affects the cost of insurance. If you can keep your mileage under the agreed-upon amount, it will cause savings on your rates. You may need to show the insurance company proof of your mileage, for example, an image of the Odometer.
To determine your mileage, specify the number of miles you travel in a week. Divide that number by 52 and then add the mileage of any additional excursions like holidays. The final number is your estimate of your annual mileage.
The worth of your motorhome can have an enormous impact on the cost of insurance. Motorhomes can cost hundreds of thousands; you need to know this when seeking the best insurance quotes.
The greater the quality of security devices and systems within your motorhome, the higher the price to insure it.
Does My Home Contents Insurance Cover My Motorhome?
If your insurance for contents in your home will protect the contents of your motorhome will be contingent upon the insurance you’re covered by. To cover them, you could have to add the items to your policy. This is probably only for specific items, such as camping equipment.
The coverage for your home contents rarely covers household items you own inside your motorhome. This is for things like TV, bedding, or dishes. These items require a separate insurance policy.
Omc Motorhomes specialises in insurance for motorhomes and caravans and provides coverage throughout the UK. We’ll be able to answer your caravan and motorhome insurance questions and solutions.