Why is motorhome and campervan insurance important?

As a motorhome or campervan owner, you’ll know how much your vehicle and its contents cost. Specialist insurance is important because it can help protect your investment should you have an accident, experience theft, or have your vehicle damaged by events like fires or floods.

If you ever need to make a claim, investing in motorhome or campervan insurance can give you peace of mind that some or all of the costs involved will be covered, meaning your motorhome and its contents can be fixed or replaced should the worst happen.

Why is motorhome and campervan insurance important?

Motorhome and campervan insurance is important because it provides financial protection as well as the peace of mind that you’re covered should the worst happen.

The most common motorhome and campervan insurance claims fall into one of three categories: theft, damage, or public liability.

This includes incidents like theft of a vehicle or its contents, accidental damage to the vehicle, damage from extreme weather conditions, and damage to third-party property leading to a public liability claim.

This blog will discuss three key areas covered by most motorhome and campervan insurance policies, and why each one is important for protecting investment.

Theft

Thousands of campervans, motorhomes, and caravans are stolen annually in the UK. Motorhomes can cost up to £100,000, depending on the type of motorhome you own.

For campervans, the average DIY conversion can cost up to £15,000 for all the materials needed, not to mention the cost of the van itself and the time and effort you put into the conversion.

Therefore, should the worst happen, and your motorhome or campervan is stolen, you could face a huge financial loss if you are uninsured.

In addition to insuring your vehicle, you can also take a number of security measures to protect it against theft, such as installing a tracker, an alarm, or using a motorhome cover.

Insuring your motorhome or campervan through Ripe offers the option to replace your vehicle at market value should you need to make a claim. It can also include cover for your equipment and accessories such as awnings, navigational equipment, and portable generators.

Damage

Motorhome and campervan insurance policies often cover accidental damage and damage from things like fire or floods. A fire at Camper UK, a holiday park in Lincolnshire, damaged 27 motorhomes and caused £250,000 in damage.

Although you can always take measures to minimise some of these risks, having insurance is important for the added peace of mind it brings.

Investing in gadgets such as reversing cameras can also help you avoid  bumps when manoeuvring your vehicle.

Insuring your motorhome or campervan through Ripe can also include the cost of replacing any children’s car seats involved in an accident.

Public liability

Having public liability cover can provide protection for damage to third-party property, injury to another person, and legal costs should you ever need to defend yourself in the event of a third-party claim.

With motorhome and campervan insurance through Ripe, you have unlimited cover for injury to a third party, up to £20m for damage to someone’s property, and legal costs cover up to £5m. Therefore, insuring your motorhome or campervan is important as it can help prevent you having to pay these fees yourself should the worst happen.

Specialist motorhome and campervan insurance through Ripe

Owning a motorhome or campervan is a substantial investment, so it’s important to have an insurance policy in place that reflects this and provides some financial protection should you need to make a claim.

Specialist motorhome and campervan insurance through Ripe allows you to build your policy so you can tailor your cover to suit you.

Ripe Motorhome and Campervan Insurance also offers optional add-ons, including enhanced windscreen cover, personal accident cover, continental Europe cover, legal expenses cover, and key cover.

Find out more about specialist motorhome and campervan insurance through Ripe and get a free online quote today.