Holidaying in this country has really taken off in the last couple of years with more and more people opting for campsites and holiday parks in the UK. This increase has also seen a rise in popularity for purchasing campervans allowing people to leisurely take in the country at their own pace. Taking a slice of home across the country has never been easier, though before you hit the road; make sure you have good campervan insurance.
Seeking out campervan insurance rather than standard motor insurance will not only provide better cover for your vehicle but is cheaper and better value for money. Taking out specialst insurance will work out more affordable than car insurance, even for classic campervans such as the iconic VW campers.
The reason for the affordable prices for campervan insurance is that research and recent statistics show that these vehicles are not high risk when insuring. On average campervans do not clock up lots of miles throughout the year. Whereas your car will be doing many miles each week often sat in rush hour traffic or parked in large car parks such as the supermarket, campervans are only driven for a handful of weekends and weeks away each year at a leisurely pace.
Those driving campervans usually avoid rush hour to get to their holiday destination and tend to be more experienced at driving. Avoiding rush hours helps decrease the likelihood of campervans being involved in accidents compared to the average car that drives through heavy traffic and often built up areas at peak times regularly each week.
This all helps keep the cost of comprehensive campervan insurance down compared to comprehensive car insurance. Within the insurance packages collision and liability costs are also lower compared to cars. You can choose between fully comprehensive cover, third party fire and theft and third party only.
Considering the costs of buying a campervan, comprehensive insurance is advisable. Remember that your campervan spends a great deal of time parked at your holiday or weekend break destination and could be affected by storm damage and the natural elements or fire and theft.
Campervan insurance polcy exclusions are typically using the campervan as a permanent home, wear and tear and not making sure that the campervan is secure against theft and damage.
Owning a campervan gives owners flexibility to hit the road and travel across the UK and into Europe. If you are considering taking your campervan abroad and exploring Europe, there are policies available to travel outside of the UK with exactly the same level of cover that you would expect within the UK. These types of policies are available for travel up to and including 12 months at a time. Other specialist levels of cover that are available include awning cover if you attach an awning to your campervan whilst parked up at your destination and conversion and self-built campervans insurance.
If you are looking at changing or renewing your insurance policies it is worth looking around for the best deal. For those looking to recoup the expense of a campervan, take a look at your other outgoings to see if savings can be made using our handy mortgage calculator and shopping around.