So you took a big step and bought a motorhome? You are probably already planning that very first vacation. Whether it’s a weekend getaway, a short break or a trekking adventure across Australia, proper planning will ensure it turns out to be a winner. Exactly the same can be said when it comes to car insurance, so if you’re looking to weed out RV insurance, it’s absolutely best for your peace of mind to do your research thoroughly and always read the fine print!
A motorhome or RV is very different from a car, and when it comes to the most important insurance policies, a car policy is simply not practical. When you travel, your motorhome or motorhome is your only means of transportation, as well as your accommodation, so if something goes wrong you need an insurance policy that will allow you to act quickly, make any repairs you need and get help to get you back on the road quickly. The very last thing you want when you travel is an unexpected and potentially large expense that spoils all the fun.
A general guideline is motorhome or motorhome insurance. may cover the following: Personal and third party insurance (you, your passengers and any injury to another person), as well as damage to any other vehicle or property); Comprehensive cover (for repairs to your own vehicle in the event of an accident) & Contents insurance (to cover the contents of your own motorhome). Contents insurance differs per policy and is capped at a certain limit.
To make sure you’re fully covered, ask potential insurers what their coverage limits and exclusions are. If you happen to be traveling with anything of value (other than your family, of course), it’s best to check with your preferred insurer to see if the standard policy covers that item of added value, and if so. t, see if it can be put on the policy at an additional cost.
Campervan insurance is underwritten by many insurance companies, and by the Campervan & Motorhome Club of Australia — you may need to join the latter to get their insurance, but you may also find it very worthwhile.
Whether it’s the start of a long life of summer vacations, or the twilight of years of planning your great trek, a motorhome holiday should always be a stress-free affair. After all, it’s your vacation. Having your motorhome insurance policy protects your valuable vehicle asset, and it will help you stay on the job, and in a great position to make the most of every valuable day.