Specialist Motorhome Insurance specific to your needs
As one of the UK's leading specialist motor insurers, Peter Best Insurance has many years of experience dealing with what is known as non-standard motor insurance queries. As a result, we have gained significant experience of motorhome insurance.
As will become clear by reading these short articles, providing cover for motorhomes is a specialist area and requires a dedicated and experienced insurer to ensure, not only that you receive the correct cover but also, of course, that you get the best value for money for your motorhome insurance.
Over the many years in which Peter Best Insurance has been operating we have insured many, many hundreds of motorhome and campervan owners across the UK. These have included classic motorhomes as well as the most current, high spec models. Also, as a result of our work, especially with car clubs and classic car organisations, Peter Best Insurance has developed many contacts and relationships with motor clubs and motorclub members. These include many motor caravan, motorhome and campervan owners and driver’s clubs and we are delighted to be able to offer special discounts to these club members.
So, if you're looking for excellent specialist advice and the keenest prices in the UK for your motorhome policy, contact the experts at Peter Best insurance. Not only are our staff experienced, you'll also find an unhurried and highly professional approach to business. We understand how important your motorhome is to you and how important finding the right insurance cover will be.
Contact us today for a quotation on your motorhome.
Insurance Motorhomes from Peter Best
It’s also crucial to make the distinction between motorhomes and campervan as they are, in insurance terms, very different vehicles
Motorhome. A motor vehicle built on a bus or truck chassis and designed to serve as self-contained living quarters for recreational travel.
Campervan. This is a van designed as a self-contained home. Campervans are normally smaller than a motorhome and there is generally no divide between the cab and the living quarters.
So, although some campervans may now approach the specifications of motorhomes, the two vehicles are distinct and have evolved and been developed to satisfy different users, different demographics and insurance criteria.
Firstly, when it comes to insurance there is one very important difference; a campervan can sometimes be covered by car or van insurance (depending of course on its specifications) but motorhomes are defined as a motor caravan by the DVLA and need a specialist policy arranged.
That's why it's incredibly important to speak to a specialist motorhome insurance broker like Peter Best who can help you through the process and ensure you find the right policy. When you speak to us will be able to confirm using the registration number of your vehicle whether it's registered as a campervan or motorhome, so don't worry you'll be in expert hands.
Peter Best Insurance can save you money on your motorhome insurance cover.
But let’s look at other factors which may influence the cost of your motorhome insurance; firstly there's mileage of course. Just like any other insurance, your annual mileage will have an influence on the amount that you pay for your insurance since if you're on the road more there's obviously more risk that you may have to make a claim.
Secondly how do you use your motorhome? Is it used constantly or just for a holiday once a year? Obviously, this makes a huge difference to the potential risks involved. Also, where you park your motorhome or caravan will be important.
No claims discount is also important to the cost of your motorhome insurance. Importantly your no claims history doesn't necessarily have to have been earned while driving your motorhome – your no claims history on your private car may also be taken into consideration.
Of course, one should also remember when taking out motorhome insurance that it may contain many valuable items, these might include a propane gas or electric powered refrigerator, a propane gas or electric oven or grill, perhaps a microwave oven.
There may also be a TV, room heaters and other electrical items so all these items can add up to quite a considerable value when one is considering insurance and, should the worst happen and your motorhome is stolen or lost in a fire, you should of course be able to make a full claim on these items.
Also, in terms of motorhome insurance, it’s worth considering what items may be on the outside of your vehicle and can be stolen, these may include bike racks, solar panels, spare tyres even wing mirrors – we've seen all these items targeted by thieves and therefore should be mentioned when you speak to us, or fill in any online quotation form regarding your insurance.
Modified Motorhomes
Peter Best is a specialist in motorhome insurance and so we can cover all sorts of vehicles, not just standard manufacturer model models we cater for individually customized vehicles and all sorts of modifications. Please however let us know every modification that you've made to the vehicle so that we can make sure your insurance adequately covers your situation.
Motorhome Club Members save money on their Motorhome Insurance
Being a member of a motorhome club, caravan club or campervan club will be very important in determining your motorhome insurance cost.
With Peter Best Insurance many owners club members receive discounts on their motorhome insurance. So make sure when you speak to us or when you fill in your online application, that you mention any motor club discounts or memberships that may be relevant to your insurance.
We look forward to hearing from you very soon.
Peter Best Motorhome Insurance FAQs
Motorhome insurance typically covers third party liability and may also include protection for accidental damage, fire and theft depending on the level selected. Because motorhomes combine a vehicle with living accommodation, policies may also extend to fixtures and contents inside.
Peter Best Insurance Services can arrange motorhome cover that reflects both the vehicle and its use as a living space.
Motorhome insurance is suited to owners who use their vehicle for travel, holidays or extended trips. This may include occasional leisure use or longer touring journeys. Insurers assess how often the motorhome is used and where it is stored when not in use.
Peter Best Insurance Services can help match cover to different travel patterns and usage.
A wide range of motorhomes can be insured, including coachbuilt models, A-class motorhomes and smaller camper-style vehicles. Insurers consider factors such as size, value, age and specification when assessing eligibility. Storage arrangements and usage also play a role in determining cover.
Motorhome insurance may include cover for personal belongings kept inside the vehicle, such as appliances, furnishings and travel items. Limits usually apply, and higher value items may need to be declared separately. The extent of cover depends on the policy wording and insurer terms.
Motorhome insurance can sometimes include cover for travel outside the UK, depending on the policy and destination. Insurers may apply time limits or specific conditions for overseas travel. It is important to confirm what countries are covered before travelling.
Peter Best Insurance Services can arrange policies that include European or international use where required.
Breakdown cover is not included with every motorhome policy and may be optional or built into certain levels of cover. Where included, it can provide roadside assistance or recovery if the vehicle cannot continue due to mechanical or electrical failure. Breakdown cover can be added to
Peter Best Motorhome Insurance policies as an optional enhancement. Available options include Roadside and Recovery cover, with the ability to add Homestart protection and European breakdown cover for extra protection.
Motorhome value is usually based on its age, condition, specification and market value at the time of insurance. In some cases, agreed value cover may be available where the vehicle has been modified or is difficult to value. This allows a fixed value to be set in advance.
Storage is an important factor, as motorhomes are often kept unused for periods of time. Insurers may consider whether the vehicle is stored on a driveway, in secure storage or at a specialist facility. Secure storage can reduce risk and may influence the premium offered.
Motorhome insurance can be arranged for vehicles used occasionally, such as for seasonal trips or holidays. Insurers may take into account limited mileage and infrequent use when assessing risk. It is important that the declared usage reflects how the vehicle will actually be used.
Motorhome insurance is essential for owners who use their vehicle for travel and accommodation, as it provides protection tailored to both driving and living risks. Policies should reflect how the vehicle is used and what it contains. Where requirements are more specific, Peter Best Insurance Services can help arrange cover that aligns with those needs.
