Temporary motorhome insurance
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The use of a temporary motorhome insurance policy is for those adventurers that have borrowed, rented or rarely use their motorhome for their holiday and want to be rid of worries while enjoying their time in the great outdoors.
Why would I choose temporary motorhome insurance over an annual policy?
There are several good reasons to use a temporary policy instead of an annual one to protect your motorhome. One reason is for the new motorhome owner who just purchased it so they can drive it home.
This temp policy is also ideal for the owner who only uses the motorhome once or twice a year. The temporary policy can be purchased for as low as £50, but the average for a few weeks of cover is near £200. An annual motorhome insurance policy will be from £750 to £1,500 depending on the coverage.
This policy is also required for anyone renting or borrowing a motorhome from a third party. This is required since the driver of the motorhome must be named in the policy.
How long will the temporary motorhome insurance policy be valid?
Each insurance company has their own time frame but generally this type of policy is made for those who want to enjoy a short holiday. It can be for as little as 1 hour and as long as 30 consecutive days.
Who would be covered with a temporary motorhome insurance policy?
Any person from the age of 18 to 75 years of age can take out one of these policies. The requirements include holding a valid UK or other country’s driving license. What should be noted is that drivers from the age of 18 to 24 will have a higher rate than older drivers.
Only the named driver in the policy will be covered under this type of policy. If the operator of the motorhome is in an accident and they are not the named driver in the policy, the claim will not be honored.
This type of policy is only valid for motorhomes weighing 3.5 tonnes or less.
Is motorhome insurance required?
All vehicles on the UK motorways have to be insured with a minimum Third Party Only policy. Most motorhome rental agents require their vehicles to be covered with a comprehensive policy so any damage to their property will be covered in the repairs if an accident occurs.
Common business practice in the insurance industry in the UK is that a temporary motorhome insurance policy is full comprehensive.
What do I need to take out this type of policy?
The following information must be submitted to the insurance broker before a policy can be approved.
The named driver’s information
Where will the policy be valid?
With the adventure beginning and ending in the UK, the motorhome will be covered and can travel anywhere in the UK and EU.
What is included in the policy?
With full comprehensive cover, both the motorhome and the third party vehicle involved in an accident will be repaired and the occupants medical costs will be paid.
The motorhome will also be covered if it is stolen or damaged by a fire that is not the fault of the driver.
This policy can only be used for social, domestic and pleasure use. The policy will be void if the motorhome is being used for business purposes.
What additional types of cover can be added to a standard temporary motorhome insurance policy?
How can I save money with a temporary motorhome insurance policy?
The lowest rates for this type of coverage are issued to drivers between the age of 25 and 60. This named driver should also have no points on their driving record or have been disqualified from driving.
The lower the value of the motorhome, the lower the insurance premium. Many firms cap the value of the vehicle at £25,000 while others have a cap at £75,000.
Only take out the policy for the actual time you will need it. What should be known is that for policies written for 20 days or more, there is generally a discounted premium.
State where you will be traveling to and the expected miles you will be driving as accurately as possible.
Take the policy out in advance of the holiday. If possible this should be 30 days or more before the planned trip.
There are many good uses for choosing a temporary motorhome insurance comparison over one that covers the vehicle all year long. The most enticing is it will cost less for the holiday goers that sparingly use their motorhome. It is also the path for those who do not invest in a motorhome and only hire one for their holiday adventures.
Temporary Motorhome Insurance