BE SURE TO GET THE RIGHT COVER

In his latest column, podcaster Motorhome Matt Sims finds that when it comes to insuring your pride and joy, cheapest isn't always best

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As the cost of living increases, motorhome owners might be tempted to seek cheaper insurance. However, it's absolutely crucial to remember that the lowest-priced option isn't always the best when you are insuring your 'van - a specialist vehicle with unique features and risks. Here, we delve into the potential pitfalls of 'cheap' motorhome insurance and what to look for in a quality policy, ensuring that you make an informed decision.

A MOTORHOME IS NOT A CAR

Remember, your motorhome is more than just a large car; it's a complex piece of equipment that provides you with a home that moves.

Choosing a cheap motor policy might not provide adequate coverage for the unique risks associated with a motorhome.

For example, a basic policy might not cover personal belongings inside the vehicle. You might not be covered if your motorhome were to be destroyed because of a hob fire.

Good motorhome insurance will cover the unique nature of a 'van and all that you travel with, including upgrades you have made.

WHAT ARE YOU COMPROMISING IF YOU OPT FOR CHEAP INSURANCE?

Ask yourself what you're sacrificing by selecting a cheaper insurance policy. For starters, many budget policies offer minimal accessory cover, which is essential for protecting your (not insignificant) investment in lithium batteries, solar panels, outdoor furniture, and even specialist bedding. These items are all vital to your motorhome lifestyle, and a tailored policy will ensure adequate cover for damage, theft or loss. Another potential shortfall to bear in mind is 'stuck-in-mud' cover. This is designed to protect you if your motorhome gets stuck in soft ground at a campsite, which is more common than you might think.