There may be benefits to buying motorhome insurance online. One of these is that you are able to shop around and compare benefits in the policy, often quickly and easily. Here are some of the aspects you may wish to bear in mind when looking for cover.
The benefits a policy typically provides
Just as important than savings is what the policy provides, so always check this out so that you benefit from the best of both worlds. Just as the cost of the insurance differs between providers, so do the features and benefits to the policy, so always compare them like-for-like when buying motorhome insurance online. Here are some of the benefits you may wish to consider in your insurance:
- Continental cover;
- new for old protection on your motorhome;
- new for old cover on your belongings;
- protection for damage for your awning;
- motorhome breakdown cover;
- alternative accommodation insurance.
Continental cover (European insurance) is typically needed only if you plan to visit Europe in your motorhome. Some insurance provider may provide cover for so many days’ per year in Europe as standard, but you may need to extend your cover if you are going to exceed this amount of days.
The provider may offer you a brand new replacement for your motorhome if it is destroyed due to one of the events covered in the policy. Typically, the motorhome has to be under a certain age or have done under so many miles.
New for old protection may be given for the belongings in the motorhome if you make a successful claim on the policy due to one of the events covered in your motorhome insurance. Some providers may consider wear and tear so always check.
Your awning may be covered in your insurance policy often subject to you having set a limit separately on the policy schedule. With some campervan policies the awning is typically protected against damage due to storm but there may be some criteria set by the provider. For example, you must be in your motorhome at the time of damage from storm if you have left your awning up. Usually if the damage occurs when you are away from the caravan, it is exempt.
If you are unable to continue your holiday in your motorhome due to damage covered in the policy the insurance provider may pay out for a stay in alternative accommodation up to a set amount days and monetary limits. Check to find out if the provider offers this when looking for motorhome insurance online.
