One of the easiest ways to get the very best motorhome cover is to use a company that specialises in bespoke motorhome insurance – like Sureterm Direct, for example – who understand exactly what’s required to guarantee a trouble-free life when accidents happen.      

We’ve been providing outstanding specialist cover to motorists for a decade, and have put together a list of the key points you need to consider when insuring your motorhome. 

The right motorhome insurance policy from the right specialist company will ensure that any situation can be managed quickly, efficiently and hassle-free.

However, with the wrong insurance, and a less than efficient provider, you run the risk of encountering heartache which could drag on for days, weeks or even months.

What do I need to think about when looking for motorhome insurance?

• Consider exactly what your circumstances are likely to be over the coming year. Details like how much you will be using your vehicle and how many miles you will do will need to be thought about. Companies like Sureterm will often give you an additional discount based on limited mileage agreements.

• Decide where you are likely to go.  You can get a Green Card included in your policy – some for the year, some for 90 days in any one trip

• Think about where you are going to keep your motorhome – discounts are given for keeping under your own watchful eye at home or at a CASSOA site – farmer’s fields are often frowned on by insurers as unfortunately most motorhomes are stolen from storage fields with no security.

• Decide whether you need to make sure your policy covers personal effects and accessories that will be in the motorhome - and extras like awnings. Some large awnings, for example, can be expensive to replace. Specialists, like the team at Sureterm Direct, pick up on these little things when you’re discussing your requirements, where £5000 personal effects cover and £2000 for awnings is included for no extra cost at all.

• Be clear about your No Claims Discounts (NCD). Many insurers will mirror the NCD you’ve accrued while driving your car.

• Understand the difference between the types of cover available – fully comprehensive (the best), third-party fire and theft (a mid-range), and third party (the most basic). Visit www.sureterm.com/motorhome-insurance.php for an explanation of some common insurance terms.

• A simple immobiliser or a tracking device such as the Phantom tracker (which retails at less than £500) can save money in insurance every year and increase resale when you come to sell on your motorhome or RV.

What else should I be aware of?

• Be honest when providing details to your insurance provider. Being economical with the truth is never economical in the long run.

• Ask if there are discounts available depending on the length of time you’ve owned your motorhome, or if you’re a member of a club or association. Many specialist motorhome insurers reward experience with better premiums.  Sureterm Direct offers a 15% discount to motorhome club members.

• Use insurance providers that are authorised and regulated by the Financial Services Authority. And do consider using specialist motorhome insurers. In some instances, particularly with household names, motorhome cover is just an add-on to a larger insurance business. Specialist companies, like Sureterm, spend time training staff in their own training academy in the intricacies of motorhome ownership and identifying policies to make them as attractive as possible to motorhome owners.

• Don’t assume your Ford Ka, Smart car or little Fiat will be covered simply because it’s attached to your Winnebago or Bessacar. Some policies automatically give you third-party cover for your cover, but in other cases you might need to take out full-comprehensive car insurance too. Always check.

• Think carefully before making a claim for minor accidents. Small accidents to another person’s vehicle like a broken wing mirror are often best dealt with without involving your insurer. By paying for the repair yourself, you can protect your No Claims Discounts and ensure you continue to pay low premiums.  However, don’t get involved in an accident that’s more than a bump and fail to raise it with your insurance company about it at renewal time. There should be no secrets.

• Spend some talking to expert insurers on the phone to make sure all eventualities are covered. Sureterm has one of the best teams in the country available for motorhome insurance policy advice on 0800 999 2030.  They won’t charge you for the calls but they will save you money on your motorhome insurance policy.

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