Table of Contents
What are Campervans?
Before getting into the review of Campervan Insurance, let’s first understand what are campervans. Campervans are typically smaller than motorhomes and often share the same A basic understanding of campervans is necessary before diving into the review of Campervan Insurance policies. 1. Campervans are smaller than motorhomes and frequently use the same chassis (where your driving and living space are combined).
Pop-up and high-top roofs are two popular roof styles for campervans. One of the most well-known examples is the Volkswagen Camper.
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Campervan Insurance: Why Do You Need It?
What kind of vacations do serious travellers take? We know the answer: in campervans. Campervans are becoming increasingly popular among travellers who want to avoid the hassle of airport check-ins while still experiencing another area of the world on their own terms. Sit down in the campervan. Campervans are convenient and provide a unique perspective on the country.
More and more individuals are choosing road trips over hotel stays because they find them more exciting and adventurous.
However, travelling in a campervan is distinct from conventional travel and necessitates specialized insurance. Campervans can be purchased in a variety of fancy variants that cost a lot of money. As a result, savvy travellers opt for specialized campervan insurance.
What Are the Differences Between a Motorhome and a Campervan?
When acquiring insurance, it’s vital to distinguish between a motorhome and a campervan.
Many similarities exist between motorhomes and campervans, but certain differences exist as well.
Unlike campervans, motorhomes normally have a separate driving cab from the living area.
- Campervans are often smaller and more compact vehicles.
- The Volkswagen Camper is one of the most popular campervan models, although it comes in a variety of forms and sizes.
- A pop-up or high-top roof is available on some campervans.
- Motorhomes are larger and meant to travel across the country for longer periods of time.
- In comparison to campervans, most motorhomes have significantly more advanced appliances (for example, full-sized ovens, fridges, and bathrooms).
- Coach-built, A-class, American ‘RV’ style, and race vehicles are the four main types of motorhomes.
What Doesn’t Campervan Insurance Cover?
Unfortunately, campervan insurance does not cover everything that can go wrong with your campervan while you’re on the road or at home.
It’s critical to read through insurance policy exclusions to understand what is and isn’t covered.
Some insurers, for example, may refuse to cover your vehicle if it is stolen when you have left it unattended with the engine running.
There could be more examples of similar scenarios, so make sure to inquire about these exclusions with your provider.
Damage to tyres caused by braking is another possible exclusion of campervan insurance. Punctures, bursts, and cuts are examples.
Furthermore, domestic animals, moths, vermin, and bugs may not be covered by some insurance policies.
If you want to cover a specific situation, let them know, and they’ll factor it into the calculation when you request a quotation.
What Is the Process for Filing a Claim for Campervan Insurance?
If you have been in an accident, have been the victim of a fire, or have had your vehicle stolen, phone the Lancaster claims line as soon as possible at 01480 484802.
If you suspect someone stealing from you, call the cops right away.
Make a note of the reference number for the crime book that the cops provide you. It’ll be required for processing.
Then call our claims line, and one of our technicians will walk you through the rest of the process.
How Much Does It Cost to Insure a Campervan?
The cost of campervan insurance, like any other type of insurance, is determined by a number of factors.
Campervan insurance can be found for as little as £150.
It can, however, easily exceed a thousand pounds.
The cost of insurance is determined by a variety of factors, including the model and age of your campervan.
Coverage that exceeds £1,000 is uncommon. However, it can happen in the case of high-end campervans.
Our goal is to provide our customers with a low-cost speciality campervan insurance policy.
What Do I Require in Order to Obtain Campervan Insurance?
Only people over the age of 21 are eligible for campervan insurance.
It’s worth noting that insurance for drivers under the age of 25 may be slightly more expensive.
When producing a campervan insurance quote, one of the characteristics that insurers examine is age.
You must also demonstrate that you are the legal owner of the campervan in question.
You will be required to furnish them with proof of ownership documentation.
What Kind of Cover Is Best for Me?
You can choose from four levels of coverage: social, social and commuting, own goods, and haulage.
We imagine you’ll want social or social and commuting in a campervan. What’s the difference, though?
Social
Are you only taking personal travels in your vehicle and not returning and foregoing work? You could find that social insurance is the best solution for you.
This level is ideal if you’ll be utilizing your van for sports like surfing, mountain biking, or camping that demand a bit extra space.
Commuting and Socialising
If you plan to use your van for both business and pleasure, you’ll require Social and Commuting coverage. You’ll be protected for both business and pleasure travel to and from a single location.
Coverage Levels for Campervans
You’ll also need to determine if you want comprehensive, Third Party, Fire & Theft, or Third Party Only coverage, just as you would with auto insurance.
Comprehensive
Comprehensive insurance is the most comprehensive type of coverage available; it covers Third parties, Fire, and Theft coverage and pays to repair or replace your vehicle if it is damaged in an accident or maliciously damaged.
Third-Party, Fire, and Theft Insurance
The next level is Third Party, Fire & Theft, which protects your vehicle from damage caused by fire or theft but not from damage caused by a collision. If you’re involved in an accident, though, they’ll compensate the other motorist.
Only Third Parties
This is the cheapest insurance you can get, and it covers you if you damage or harm someone else’s property while driving.
Your passengers are covered if they are injured while in your van, but it does not cover your van if it is stolen or damaged in a fire.
Cost of Campervan Insurance
It’s time to acquire a quote now that you’ve selected which sort of cover is best for you. There are a few details you may have on hand to help speed up the process of getting a quote.
Registration Number and Information About the Van
They’ll need to know how many seats there were when you bought the van and whether it has any safety features.
Information About the Driver
They’ll ask for the driver’s name, address, occupation, and driving history, including claims and traffic violations.
Coverage Type
You’ll need to know what form of business van insurance you want, as well as your expected mileage and where the van will be stored overnight.
Pros of Campervan Insurance
- Full coverage for your vehicle
- Coverage for your vehicle in the event of loss, damage, or theft.
- Replacement of an old item with a new one
- Up to your campervan’s agreed-upon market worth 1
- Personal property and luggage
- A total prize of up to £1,000
- Customized accessories
- A total prize of up to £500
- Accident reconstruction and recovery
- If they can’t get you moving right away, they’ll send you to a nearby approved repairer.
- Up to 90 days of European coverage every year
- You also get accident recovery.
Cons of Campervan Insurance
- They won’t be able to cover everything. Make sure you’re comfortable with the areas that aren’t covered, such as:
- Vehicle theft if you leave it unattended with the engine running.
- Brake-related tyre damage, such as punctures, bursts, or cuts
- Animals, moths, vermin, or bugs have caused damage.
- Review the policy wording for a complete list of what is and is not covered.
FAQs
1. What documents do I require in order to obtain Camper Van Insurance?
- You will need the following information to proceed with camper or motorhome insurance:
- Completely filled Proposal form
- A copy of your No Claims Bonus for the previous five years
- A copy of your current certificate of insurance for motor vehicles
- A bill for utilities (must be connected to the residence, e.g. gas, electricity bills and Not, for example, Bank Account statement)
- All drivers must have a copy of their driver’s licences, front and back.
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2. Do I need to insure a campervan or a motorhome with a primary vehicle?
Yes, you must own and insure a personal vehicle and use it full-time.
3. Is there a minimum age requirement for campervan or motorhome insurance?
For named drivers with a full licence for at least 5 years, there are no age limitations.
4. Is it possible to add more drivers to my campervan or motorhome insurance policy?
There is an option to add extra drivers who are family members who have held a full driver’s licence for at least 5 years and have a clean driving record with no accidents, convictions, or penalty points. Open drive is available for an extra €80 per year (with a 5% government levy and a €1.25 Broker Fee). Please note that open drive is only available to family members aged 25 to 70.
5. Are there other good loan options available?
Loans are becoming pretty easy to get. There are a lot of financial companies that provide loans at great terms. If you are looking a complete coverage, you can refer to this great loan service.