Knowing What You Need
If you’re the proud owner of a camper van, you’re probably looking forward to planning your dream vacation, or maybe you’re just looking forward to getting out on the open road and exploring. Either way, it’s important to make sure you’re properly insured before setting off. As with any type of motor insurance, there’s a lot to consider when it comes to camper van insurance, so here’s a guide to help you make sure you’re covered and you’re getting the best possible deal.
Types of Camper Van Insurance
Generally, there are two types of camper van insurance available: third party only, and comprehensive. Third party only means you’ll be covered for any damage you cause to other people’s property, but not for any damage to your own camper van. Comprehensive insurance, on the other hand, covers you for damage to your camper van, as well as any damage you cause to others. Comprehensive insurance is usually a better option, as it also covers you for theft and fire damage, as well as any legal costs or medical bills you may incur in the event of an accident. However, it’s important to shop around and compare prices, as the cost of comprehensive cover can vary significantly between different providers.
What Does Camper Van Insurance Cover?
The exact coverage you get with your camper van insurance will vary depending on the type of policy you choose. Generally speaking, most policies will cover you for: fire damage; theft; accidental damage; liability for injury or death of a third party; and legal costs. Some policies will also provide cover for windscreen damage and medical expenses, as well as lost or damaged personal belongings.
What Affects the Cost of Camper Van Insurance?
The cost of camper van insurance is affected by a number of factors. These include the age and value of the camper van, the type of cover you choose, and your driving history. The more experienced a driver you are, the lower your premiums will be. Additionally, some insurers offer discounts for security features such as immobilisers and alarms, so it’s worth checking with your provider to see if you’re eligible.
What Extras Can I Get with Camper Van Insurance?
Some insurers offer additional cover for camper vans, such as breakdown cover, cover for personal belongings, and cover for temporary personal injury. It’s worth checking with your provider to see what extras are available, as this could help you save money in the long run. Additionally, some providers also offer discounts for good driving records, so it’s worth asking about this too.
How to Get the Best Deal
When it comes to getting the best deal on camper van insurance, it pays to shop around and compare prices. Additionally, it’s worth checking what discounts are available, as this could help you save money. Finally, make sure you read the small print of any policy you’re considering, as this will help you make sure you’re getting the right cover for your needs.
In Summary
Insuring your camper van is an important step in getting out on the open road and enjoying your dream vacation. There are a few things to consider when it comes to camper van insurance, such as the type of cover you need, the cost of the policy, and any additional extras you may need. It’s worth shopping around and comparing prices, as this could help you get the best possible deal.