Motorhome insurance is a Sureterm Direct speciality, with recent models we've insured including Fourwinds, Winnebago, Elddis, Bessacarr, Swift, Cherokee and all UK and European derivatives. We can find a great motorhome insurance deal for your American motorhome, Caravanette, Campervan, RV and even your classic Camper. For guaranteed reliable motorhome insurance cover, call us TODAY. We also offer outstanding caravan insurance cover, so check out our caravan insurance policy. You'll be pleasantly surprised at how much money we can save you on your annual motorhome insurance and caravan insurance.

Sureterm tips on how to get cheaper motorhome insurance

• Being or becoming a member of a motorhome club will often get you a 15% discount through Sureterm Direct.
• Garage your motorhome if you can.
• Opt for a voluntary excess or increase the excess above the required minimum.
• Fitting an Immobiliser, Alarm or Tracker will benefit from even further discounts.
• Insure your motorhome through Sureterm Direct Insurance!

• £5,000 personal effects cover
• £2,000 cover for awnings and gas bottles
• Limited Mileage Discounts if you can limit your annual policy to 3,000, 5,000, 10,000 or 15,000 motorhome miles
• Drivers 25 - 74
• Mirror No Claims Bonus
  
• 15% discount if motorhome owned more than 12 months
• Further 15% discount for motorhome club members
• Insurance cover available for your modified motorhome or RV
• Breakdown cover available for ANY motorhome no matter what size or weight
• Outstanding rates for Great Britain and Northern Ireland residents

Some common motorhome insurance policy items and glossary of terms:

Agreed value: If you have added lots of accessories or worked hard on major modifications to your motorhome, you may wish to have the insured value of your vehicle reflect it's true worth. Sureterm Direct Insurance can include an Agreed Value upon request at no additional cost on most motorhomes.
Approved repairer: A repairer we have approved and authorised to repair your motorhome following a claim.
Betterment: Where the results of repairs or replacement due to the loss of your motorhome results in the insured receiving something better than he had before the loss. The difference is known as "betterment." In most instances, this difference is discussed before the repairs or replacement is made and the insured has agreed to an appropriate figure as to his contribution for this "betterment." This is also referred to as "new for old."
Compulsory Excess: If you make an insurance claim, this is the amount you agree to pay yourself to repair your motorhome.
European Use / Green Card: If you drive your motorhome abroad, this is insurance designed to make it unnecessary to apply for insurance at the border of each country. It confirms that you have at least the minimum legal insurance cover.
Insurance is the transfer of risk by an individual, such as yourself, for your motorhome, or an organisation, such as your business, to the insurance company. You or your organisation will thus be known as the policy holder for the motorhome. The insurance company receives payment in the form of a premium and will compensate you in the event of losses or damages sustained by you or your motorhome.
Legal Expenses Insurance: Legal Expenses Insurance is an optional extra to your motorhome insurance to meet legal and recovery costs for your “uninsured losses” resulting from an accident. For example, you may need to sue the Third Party for recovery of your out of pocket excess after an accident involving your motorhome. You may also have had to hire a motorhome or may need to obtain compensation for an injury arising from an accident, which was not your fault. Such things are not always covered under your motorhome insurance policy itself. A legal expenses policy to meet those legal costs is a must.
Limited mileage: If you do not drive excessive miles in your motorhome, Sureterm Direct Insurance allows you to have a cheaper premium based upon an agreed maximum annual mileage. 
No-Claims Bonus: You get a discount on your insurance premium if you drive your motorhome without making a claim on its insurance. It is sometimes possible to pay extra to protect your bonus in the event of a claim.
Proposal Form: The proposal form is the basis of the contract for insurance on your motorhome. It is probably the most important aspect of the cover process. This form may be a written hard copy form or may be taken from the entered details on the system. As insurance is an intangible product whose price is based on the information provided by you then any errors or non-disclosure of material facts can result in the policy being voided. Check with your insurance advisor if you have any difficulties or need advice. Also, if you know of something, which the Insurance Advisor ought to know, but the proposal form doesn’t ask that question, do not think that you do not have to tell them. You have a legal duty to disclose all facts.
Salvage retention: Your motorhome may be declared a write-off. Sureterm Direct Insurance allows as standard a buy back option to buy back the wreckage in the event of a major accident. In some cases however, the motorhome is so badly damaged that the insurance company is required by law to have the vehicle destroyed.
Voluntary excess: You can sometimes get a cheaper insurance premium on your motorhome by arranging to pay an agreed sum in the event of a claim
Windscreen Cover: Windscreens are only covered under Comprehensive Private Car policies through Sureterm Direct Insurance and are subject to different excesses than the main policy. A damaged windscreen on your motorhome (i.e. scratched) may not have any excess if repaired by the approved Insurers Windscreen Company. Windscreen claims rarely affect the no claims bonus.

Types of motorhome insurance policies that Sureterm insurance offer:

• Comprehensive Motorhome Insurance
This is the highest level of motorhome insurance available. It will cover Thirty Party, Fire and Theft but will also cover damage or loss of your own motorhome up to the insured value of the vehicle. Comprehensive motorhome insurance will also cover you against death or injury to yourself and your spouse (if they are travelling with you). With Sureterm motorhome insurance, our cover includes Glass Cover, another motorhome in the event of an accident, an approved repairer network, salvage retention option and agreed value even upon request.

• Third Party Fire and Theft Motorhome Insurance
In addition to the cover offered at Third Party level you also have motorhome insurance incase your motorhome is stolen or damaged by a fire. 

• Third Party Insurance
The law requires that you have this minimum level of insurance. If you are even partly to blame for an accident then your insurance company will pay for the other person’s motorhome, car or property and also for any injury to them. This level of motorhome insurance is very cheap but will not cover any damage to your own vehicle.

Call now on 0800 999 2030 for a FREE motorhome insurance quote and learn about the savings and the increased motorhome insurance policy benefits we offer.

SURETERM DIRECT...1st FOR MOTORHOME INSURANCE