Compare Motorhome Insurance

Motorhome Insurance Policy Exclusions

There are some elements of motorhome ownership that will be excluded from your policy. These can vary so it is always best to talk over these with your broker. However, some of the most common exclusions can be:

• Mildew & Mould
  Most mildew and mould damage are caused when owners do not properly secure their motorhome against the elements, and for this reason it is usually excluded from policies
• Trade or Professional Use
  If you use your motorhome for business or trade, it will need an entirely different type of insurance policy, so it will not be included as part of a standard motorhome insurance policy
• Unforced Entry
  This refers to intrusion without using force, i.e., you leave your motorhome unlocked or a window open or ajar. As it could have been avoided with better care, it won’t be covered
• Permanent Residence
  If you live in your motorhome on a long-term or permanent basis, it ceases to be considered a recreational/leisure vehicle and becomes an abode. This means is requires a different type of insurance
• Vermin Infestations
  Infestations from vermin and pests will not usually be covered by standard motorhome insurance policies, and there are steps you can take to prevent this from happening
• Wear and Tear
  General wear and tear is part and parcel of owning a motorhome, which is why is not generally part of your policy.

Types of Motorhome

We can provide cover for a range of motorhomes including: Florida motorhomes, Hymer motorhomes and parkhomes. There are many types of vehicle that fall under the umbrella term of ‘motorhome’, however they are categorised as one of three classes. These are:

• Class A Motorhomes (Integrated):

These are the largest and often most expensive of all motorhomes or recreational vehicles. They commonly come with full kitchen and bathroom facilities, extendable awnings, entertainment systems and a large amount of storage. Class A motorhomes are usually for seasoned travellers who spend a lot of time on the road for extended trips both in the UK and abroad. Motorhome insurance for this type of vehicle is likely to be expensive due to its many features.

• Class B Motorhomes (Semi-Integrated):

Class B motorhomes are smaller than Class A and often include the very basic motorhome set ups. Usually they come on a standard van chassis with a driving smaller driving compartment at the front and a higher ceiling in the back so you can stand upright. They will commonly come with small shower and kitchen areas and a small living space that will double up as a sleeping area.

• Class C Motorhomes (Alcove):

Also known as ‘coach-built’, these motorhomes have a caravan style body that sits on top of a van chassis. They usually have a double berth area over the driving cab which can comfortably sleep two. They sit somewhere between Class A and Class B, as they are often more luxurious than smaller motorhomes, but are more cost-effective and easier to manoeuvre than the US-style RVs within Class A.