Camper Van Insurance UK: Overview

Anyone who owns a camper van will already know that a camper is much more than just a way of getting out and about. Few vehicles inspire such loyalty in their owners, so it's hardly surprising that they are so keen to look after them well. However, combining the best of both worlds (your vehicle and your home) can make for an insurance headache. Spend some time surfing the web and you're soon bogged down in so many clauses and sub-clauses that it's difficult to know which way is straight ahead.

To take the hassle out of finding the policy that's best suited to your needs (at the best price) it pays to ask yourself a few questions first:

Do I want additional contents insurance? Unfortunately thieves often see camper vans as easy targets and it may be financially prudent to provide extra insurance for everything that doesn't fall into the category of ‘fixtures and fittings'

Would I benefit from a limited mileage discount? If you use your camper van a lot the chances are that the answer to this question is ‘no'. However, anyone who likes to spend their summer in the same spot is likely to make substantial savings.

Is it worth paying extra for breakdown cover? Buying breakdown cover as part of an insurance package is a good way of saving money. Camper van owners are well-known to be adventurous spirits, but the downside to succumbing to the call of the wild is that: if you do breakdown it's probably going to be in the middle of nowhere. Without breakdown cover you could unexpectedly find the cost of your holiday doubling.

How much excess do I want to pay? One of the main variables that makes camper van insurance quotes yoyo up an down so much is what level of excess you are prepared to pay in the case of a claim.

 

 

 

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