How to Get Good Insurance For Your Motorhome

After purchasing a Motorhome, and questioning insurance companies I thought it would be easy to get insurance but did not take into consideration the specifics of the bus. To have good insurance for your motorhome there are some companies that are worth considering and other companies that will not even take on board insuring a RV/Motorhome.

How To Find A Company That Will Insure Your Motorhome

After purchasing a Motorhome you will need to consider which Insurance Company is the best for insuring your Motorhome or RV. It’s not only illegal to drive without insurance, it would be down right dangerous and very expensive. Imagine if your Motorhome caused an accident, and you damage another vehicle or even worse – damaged more than one vehicle. Even if you are not at fault it does not make sense to drive around without insurance. So what type of insurance do you need for a Motorhome?

Tips On Finding Good Insurance For Your Motorhome

When you are searching out insurance companies there are a few key features you will need

  • Will it cover you for accidental loss or damage to your motorhome
  • Will the company offer reasonable cost for towing the motorhome if it was broken down?
  • If the Motorhome gets stolen, would the company replace the motorhome until insurance is paid out?
  • What about if you are towing a boat? Will it cover the insurance of a boat and if so what length does the boat have to come under?
  • Will the company cover contents insurance?
  • What about stolen credit cards from your motorhome, will the insurance company cover them?
  • If your fridge or freezer was to break down, will there be a cover for spoiled food?
  • What about liability cover? If you live permanently in the Motorhome will the company cover bodily injury, death or illness to other people and loss or damage to other peoples’ property
  • What about cover for your vehicle that you are towing? Will the insurance company cover both the Motorhome and towed Car?

It pays to shop around for the best deal when you are searching for Motorhome Insurance, and to ask the company any questions that you do have. If you are not sure what your policy covers in your insurance then its best to read your Insurance Policy or even better if you do a Google search online.

Get Good Insurance For Your Motorhome For Peace Of Mind

Once you have good insurance for your Motorhome you will feel more at ease and know that your travel journeys will be one that is safe, and also covered for any incidents/accidents/break downs. A Good Insurance For Your Motorhome Company in Australia is CMCA Motorhome Australia…..remember to ask them question and to see if their policy is the best one for your needs.

Good Insurance For Your Motorhome

After purchasing a Motorhome in June 2010 and shopping around all the Insurance Companies, thinking that we could insure our Motorhome with the company that we have our car insurance with (the bus was too long in length to be covered with that company) we found many companies and policies. Finding the Best one for New Life On the Road took time, but once we were satisfied with their key features we have a peace of mind. Good Insurance For Your Motorhome is all about being safe while traveling, having a peace of mind, and knowing that the insurance will cover you especially if you live in your Motorhome full-time.

Beginners Guide to Motorhome Ownership – Types of Motorhomes

Campervans (VW Campers)

These iconic Volkswagen campervans are still being produced today and have a dedicated following, with a range of clubs and magazines available to enthusiasts.

Campers will generally sleep between 2 and 4 comfortably but are small enough to be driven in cities as well as on the open road, making them famously popular for touring around Europe.

They are available with a huge range of features including raising roofs, windscreen sun visors, surfboard roof racks and chrome trims and fittings – either direct from Volkswagen or through a number of specialist converters.

When it comes to insurance for older models, you may have to consider a ‘classic’ vehicle policy as many specialist motorhome policies have a vehicle age limit

Van conversions

Often referred to as panel van conversions, these medium to large sized motorhomes are built using well known commercial vehicles as a base unit and nearly always feature a sliding side door.

They offer a good amount of space inside and many come with roomy wash rooms and better equipped kitchens than the smaller or micro-sized van conversions.

Many have a double bed at the rear, running across the width of the van, so taller motorhomers may struggle to fit. For this reason it’s important to check the layout and dimensions of the van before buying.

Popular manufacturers of van conversions include: Autosleepers, Bilbo, IH Motorhomes and Murvi

Conventional coachbuilt motorhomes

These are possibly the most common type of motorhome on British roads, and are characterised by their large over-cab hump which often houses a bed or spacious storage area.

These motorhomes are popular as they offer a practical solution for small families or couples wanting to travel throughout the UK and Europe. They typically have a washroom and kitchen fitted as standard, along with room to sleep between 2 and 6 people.

The front end cabs of coachbuilt motorhomes may look familiar – that’s because the ‘base vehicle’ of such motorhomes are popular vans such as Ford Transits, Peugeot Boxers, Fiat Ducatos and Mercedes Spinters.

Popular manufacturers of conventional coachbuilt motorhomes include: Autocruise, Autosleeper, Elddis and Swift

Low profile coachbuilt motorhomes

Very similar in style and features to the above ‘conventional coachbuilt motorhome’ the low profile design does away with the over cab bed in favour of a lower roof and streamlined shape, this gives better clearance and more car like handling.

Tag axle (twin axle) motorhomes

Some very large coachbuilt motorhomes require a third set of wheels to support the weight and length of the unit in a similar way to a ‘twin axle’ caravan, this third axle is know as a ‘tag axle’.

Tag axle motorhomes allow even more space inside but the twin rear axle means that driving them may take a little adjusting to.

A-class motorhomes

These often very large motorhomes are recognizable by having no separate cab area as common with conventional coachbuilt motorhomes, as well as a ‘bus like’ large front windscreen, and are usually imported from Europe or further afield.

Built from scratch on a bare chassis by the motorhome manufacturer you can expect bags of room and home comforts including domestic style washrooms and kitchen fixtures, as well as full sized beds and spacious living areas.

Popular manufacturers of A-class motorhomes include: Frankia, Pilote and Hymer

American ‘Recreational Vehicles’ (RVs)

Coming from the USA these units are typically big, bold and brash – but can offer massive amounts of space, comfort and features including full sized refrigerators and ovens as well as king sized beds and washrooms with domestic spec fittings. Many even feature ‘slide outs’ – which mean certain sections of the motorhome can be extended to create extra floor space.

Typically used for long tours or full timing around Europe or the US these huge units are unrivalled when it comes to luxury and comfort.

Popular manufacturers of American RV motorhomes include: Georgie Bay and Winnebago

Home built motorhomes

Some enthusiasts design and build a motorhome themselves to suit their needs. These can range from simple van conversions up to impressive custom builds and there are a range of websites and clubs dedicated to self builds that provide helpful info for any would be DIYers.

Watch out though as many insurance companies cannot provide cover for home built motorhomes.

Micro motorhomes

These tiny motorhomes are usually conversions of small van style cars and offer limited space for one or two people to sleep, as well as basic cooking equipment and space for a small cassette toilet.

Their diminutive size makes them a breeze to drive, particularly in typically crowded European towns where narrow streets and busy roads make the city centre a no go area for all but these nippy little motorhomes.

Popular manufacturers of micro motorhomes include: Romahome and Drivelodge

RV and Motorhome Vacations Offer Discount Travel Options

More and more Americans are enjoying the versatility, security, convenience and the grandeur of visiting and touring the country with motorhomes, more popularly known as RV’s.

According to a study conducted by the University of Michigan, 1 out of 12 American families own motorhomes, thus the increase of 7.8 percent of the numbers of such vehicles in the past four years. To stretch the statistics further, this means that seven million families or households have RV’s.

So why is there an increase on the use of motorhomes? Post September 11 analysis reveals that people want to have more control of their trips and are opting to travel more by land than by air. Aside from this, they want to avoid airport hassles and traffic.

But more than these reasons, Americans want to enjoy more times with their families and to be in control of their travel schedules. And in these stressful times, going outdoors and communing with nature seem to be one of the solutions which can be greatly accomplished by motorhome traveling.

Motorhomes have become more comfortable and more luxurious since the release of the first RV. Some motorhomes nowadays, have complete upholstered furniture, state of the line appliances like microwaves, televisions and refrigerators. Other deluxe motorhomes provide features such as dining and living areas, queen beds, cabinets and storage plus a shower in the full-size bathroom.

Other motorhomes also became flashier with stereos and CD players installed in the vehicle and other enhanced comforts such as double door refrigerators and wooden tabletops. Moreover, they have also become efficient in terms of the space and materials they use for their construction.

Aside from these conveniences inside the motorhome, motorhome vacationing also became popular because of the improved campgrounds and fancy motorhome resorts. Some motorhome resorts offer luxurious amenities such as swimming pools and golf- courses. Fitness enters for the health conscious can also be found in such motorhome parks aside from computer centers. Aside from these, others also provide schedules for sports meets and dance activities.

Beyond, these perks and joys, however, traveling in a motorhome needs some planning especially on the activities you and your family want to accomplish on the trip. Aside from these, your motorhome should be equipped with the following essentials before you hit the road:

  • batteries
  • binoculars
  • bottle/can opener
  • camera and film
  • firewood
  • first-aid supplies
  • fishing gear
  • flashlights and lanterns
  • folding chairs
  • games
  • grill and fuel
  • insect repellent
  • maps
  • matches
  • nature field guides
  • picnic basket
  • road flares
  • rope, cords, or wire
  • shovel (small, folding type)
  • sports equipment
  • sunscreen
  • toilet paper
  • tool kit
  • trash bags
  • umbrellas
  • water hose

Aside from these, families and individuals also have responsibilities in conserving energy and making a conscious effort of taking care of the environment while traveling on the road and while settling in camps. Here are some few tips you need to know also while traveling in your motorhome:

1. To decrease emissions and to conserve energy, keep the motorhome well tuned.

2. Make sure that the campsites where you camp are marked as “RV campsites”.

3. While driving, make sure that you stick to the roads that the motorhome can travel into.

4. Try to avoid using disposable things such as cups, plates and spoons.

5. Make sure that the campfires you make are small and avoid putting stuff into the fire that will not burn such as rubber, foil, plastic etc. It is also important to note fire rules in motorhome campgrounds.

6. Avoid using supplies for cleaning that can be toxic. Look for ecologically friendly cleaning stuff.

7. If you are bringing your pets in your motorhome travel, and they are permitted in campgrounds, make sure that they are kept inside the motorhome or use stakes to tie them there. Barks can be damaged when they are tied in a tree.

8. Be considerate wit your neighbors when playing music or when playing computer games. Other campers may consider this as noise.

9. Always make sure that you recycle while traveling.

10. Make sure to leave all areas in the motorhome park clean and dispose your trash in properly designated areas in the park.