Motor homes are a great way to travel. The ability to take a bed with you, without the need to tow a caravan has become increasingly popular. To fully enjoy the experience of owning such a vehicle you will need to find some essential motor home insurance. There are many different companies that will offer you insurance so picking the right one can seem an incredibly daunting task. RAC’s motor home insurance could help to simplify the process by allowing you to pay only for what you need, and offering enough cover to keep your mind at ease.
Choose a level of cover
In taking out your motor home insurance policy from the RAC, your first step will be to choose the appropriate level of cover. You will have the option to choose one of the following:
- Third party You’ll be covered if you are in an accident where another person was injured.
- Third party, fire and theft As above, but your motor home will also be protected against fire and theft.
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Fully comprehensive. Alongside the cover received from the above policy, you will also be protected against any other damage. What’s more, your personal belongings will be covered, up to a value of £2,000, as will your awning, generators, gas bottles, also up to a total of £2,000.
There will be a difference in price between the different levels of cover, so ensure you know which the most suitable policy for your needs is.
Chose optional extras
When it comes to motor home insurance, the main extra that you will need to consider is how much time you are likely to spend with your vehicle abroad. The RAC will offer you three choices, either 30, 60 or 90 days. 30 days abroad are covered as standard, but you will need to upgrade your policy if you intend to spend more time abroad.
Remember that you can always alter your motor home insurance policy if your circumstances change, meaning that you will spend more time overseas.
Chose RAC cover
Many different companies offer motor home insurance, so why should you choose the RAC to cover your particular mobile home? There are several advantages to insuring with this company, such as monetary discounts for a voluntary excess or a no claims bonus, and accident recovery included with every policy. Other incentives include emergency accommodation should an accident happen, new for old replacement of your motor home if it is less than a year old and even a public liability of up to £5,000,000.
When it comes down to choosing your insurance provider you will need to obtain quotes from different companies, but don’t rule out the RAC. You might be pleasantly surprised by the price, and by the extras that they have to offer to you.
When it comes down to choosing your insurance provider you will need to obtain quotes from different companies, but don’t rule out the RAC. You might be pleasantly surprised by the price, and by the extras that they have to offer to you.
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