So, have you taken a big step and bought a motorhome? You are probably already planning your first vacation. Whether it’s a weekend getaway, a short break or an Australian trekking adventure, good planning will ensure it’s a success. The exact same thing can be said when it comes to auto insurance, so if you’re looking for motorhome insurance, it’s best for your peace of mind to do your research thoroughly and always read the fine print!
A motorhome, RV or motor home is very different from a car, and when it comes to the most important insurance, an auto policy is simply not practical. When it comes to travelling, your motorhome or camper van is your only means of transport, as well as your accommodation, so if something goes wrong you will need an insurance policy that allows you to act quickly, make any repairs and get yourself get back on the road very quickly. The last thing you want when you’re on the road is an unexpected and possibly high expense that ruins all the fun.
As a general guideline, an insurance policy for a camper van or RV or motorhome. may cover the following: Personal and third party insurance (you, your passengers, and any injury to another person), as well as damage to another vehicle or any property); Comprehensive coverage (for repairs made to your own vehicle in the event of some kind of accident) and Contents Insurance (to cover the contents of your own camper van). Contents insurance will vary from policy to policy, and will be limited to a certain limit.
To make sure you’re fully covered, ask any potential insurer what their coverage limits and exclusions are. If you happen to be traveling with something valuable (other than your family, of course), it’s best to talk to your preferred insurer to see if the standard policy will cover that item of additional value, and if it won’t. t, then see if it can be added to the policy at an additional premium.
Motorhome insurance is written by many insurance companies, and by the Campervan & Motorhome Club of Australia; You have to become a member of the latter in order to get their insurance, but you may also find it very valuable.
Whether it’s the start of a lifetime of summer getaways or the twilight of years of planning your ultimate trip, a campervan holiday should always be a stress-free affair. It is your vacation, after all. Having your current RV insurance will protect your valuable vehicle and help keep it up and running and in a great position to make the most of every precious day.