Buying an American RV is a huge investment, one which takes careful consideration to ensure you get the motorhome to suit your needs in terms of size, accommodation and extra features. Once you’ve made that decision, and found your ideal RV, you’ll want to protect it with a specialist motorhome insurance policy.
One point worthy of note is that some specialist motorhome insurance policies will only cover UK and European motorhomes so it’s worth searching online for companies that specifically say they can cover American RVs.
When looking for insurance, be sure to find a policy that covers the full value of the vehicle and any equipment you intend to take along with you. A standard motor insurance policy is unlikely to cover all your essential motorhoming equipment such as awnings, water and waste carriers, pots and pans and generators, so ensure the cover you choose does. Very often specialist RV motorhome insurance policies will cover several thousand pounds worth of such items automatically.
As a high value motorhome, you may be required to fit extra security to find insurance cover. A tracking device fitted to your American RV will not only provide peace of mind that your motorhome will be recovered if it is stolen, but it could also mean a substantial discount off your insurance premium. Before investing in a tracking device, ask your insurance company what their requirements are and which devices they will accept as there are many products on the market.
One of the benefits of buying an American motorhome is the amount of accommodation space you get compared to some European motorhomes. It is therefore more comfortable for longer trips with more storage space too. If you fancy heading out in your motorhome for several weeks or even months, you’ll have plenty of time to explore outside of the UK, taking in some of the countries across the channel. If you do plan to travel through mainland Europe, look for an insurance company that will cover you wherever you are planning to visit or travel through, and for the length of your planned trip.
Another consideration if you are travelling to Europe is whether your tracking device will still cover you. Make sure the device you choose is capable of tracking your American RV in every country you are likely to visit.
Whether you plan to holiday in the UK only, or venture farther afield to Europe, you should certainly consider taking out breakdown cover with your insurance policy. This may be included in the price of your premium or it may be something you can add. Either way, be sure to ask whether the policy is suitable for American RVs. You may find that the breakdown company will only recover vehicles up to a certain length or weight and your American motorhome is too big. Look for a policy that offers breakdown cover with no length or weight restrictions – don’t wait until you breakdown to find out.
Finally something you may find interesting is that some American RV insurance policies offer cover on a ‘replacement with new’ basis. This means if your RV is stolen and not recovered or written off, you will get a brand new replacement RV motorhome. This can apply for motorhomes up to two years old and can be a great benefit for those owners unfortunate enough to lose their motorhome.
With all the above considerations in mind, you’re now ready to find the most suitable American RV insurance policy for you and your motorhome and protect it should the worst happen.
