Many people still hold a very old fashioned view of holidaying in a motorhome. Of course the old VW type of campervan brings to mind bygone days and nostalgic memories, but in truth things have changed dramatically. Campervans were often used to travel to music festivals and of course were lived in while parked in the middle of a muddy field with primitive conditions. Today, campervans and music festivals are still very popular but both offer much more comfort. In the case of campervans there are now many more models to choose from, going from basic to out and out luxury.
Whichever model of campervan is chosen the owner will need to look for insurance. Research taken during a recent motorhome caravan and camping show revealed that while 93% will spend a huge amount of time looking at all aspects of a motorhome, only 40% will do the same with the insurance. This is because they wrongly believe that one insurance policy will be just like another. An insurance broker may not be the best person to give advice on buying a motorhome, but there is no-one better at finding the best, cheapest and most competitive insurance policy to protect it.
Facing the challenge of finding the best motorhome and the best motorhome insurance can be quite daunting. To start with it is best to identify what the motorhome will be used for.
- Will it be used to tour for months on end or just for a couple of weeks twice a year?
- Will it just be used at weekends or for all trips to festivals and sporting events throughout the year?
- How many people will be travelling and sleeping in the mobile home?
These are all questions that need answering before the best motorhome and the best motorhome insurance can be found.
One factor to bear in mind is the overhang of the motorhome. The legally permissible overhang in the UK is 60%. However, 55% is deemed more desirable to allow for tow-bars and bike racks. Besides being swayed by the aesthetics of a motorhome, its practical and technical attributes should also be considered. The largest legally allowed motorhome permissible in the UK is 12m long by 2.55m wide. However, most campsite, ferries, road tolls, insurance and recovery packages are based on motorhomes of 6m in length, which is the benchmark between medium and large.
Its running costs, the choice of fuel and availability of parts, ought to be considered along with its manoeuvrability. A very important factor that should never be overlooked when finding the best motorhome for your needs is the payload capacity. This is the difference between the MIRO (Mass in Running Order), the entire manufactured weight, including all the essential equipment for operating and making the motorhome habitable, less the MTPLM (Maximum Technically Permissible Laden Mass) its legal maximum weight that includes all the occupants. Choosing the motorhome is the difficult part, a good insurance broker can ensure that choosing the insurance is altogether easier.
If you would like help with your Motorhome Insurance (not buying your motorhome) then give us a ring on 01937 581417 or click here and we will ensure we find the best policy to meet your needs.