Frequently Asked Questions
1. Can we provide cover for residents outside of the UK?
2. How long is the European Cover?
3. Can I choose my excess?
4. What is the difference between personal effects and equipment?
5. Would my premium decrease if I install a tracking device?
6. How can I pay for my premium?
1. Can we provide cover for residents outside of the UK?
No. All policyholders must be residents of England, Scotland, Wales or Northern Ireland.
2. How long is the European Cover?
We recognise that not everyone takes their motorhome to Europe, so European insurance and European breakdown cover are optional extras that can be added to the policy.
If European Insurance and European Breakdown Cover is taken out, you are then covered comprehensively to use your motorhome in Europe for up to 8 months within the policy year, including any breakdown.
3. Can I choose my excess?
The excess on our motorhome policy is flexible and can be set to a value between £100 and £1000. A higher excess can reduce the premium.
4. What is the difference between personal effects and equipment?
Our motorhome policy automatically covers £3000 of motorhome equipment. Equipment refers to "non fixed" items generally left in or around the motorhome such as gas bottles, television, generator, pots and pans etc. Please note we have an equipment single article limit of £500 and the maximum we will cover for equipment left outside the motorhome is £1,000. You do not need to include these items in your total sum to be insured. Audio or video equipment, security devices and navigation equipment that were supplied by your motorhome's manufacturer or which have subsequently been fitted by a specialist supplier and designed to be "permanently installed/fixed" should be reflected within your total sum to be insured.
Personal effects refer to items taken from home such as clothing, toiletries etc. We cannot insure these items under our motorhome insurance policy. Often you will find that these items are covered on your home contents insurance policy. High risk items such as cameras, laptops, mobile phones, pedal cycles and associated equipment are also not covered under our motorhome policy and should be insured on your home contents policy.
5. Would my premium decrease if I install a tracking device?
Tracking devices are by far the most effective security solution to beat the motorhome thieves. They can quickly guide police to the exact location of the stolen motorhome.
A significant 25% insurance discount is given if an approved tracking device is fitted and is active on your motorhome.
6. How can I pay for my premium?
Paying for your insurance couldn't be any easier, call us 7 days a week. There are no forms to fill in and we accept all major credit and debit cards except American Express. We do not make a charge for using a credit or debit card. Your card will be debited for the full amount immediately. The card must be in your name.
Alternatively, you can choose to pay by monthly Direct Debit via 12 equal monthly instalments. We use a company called Premium Credit Ltd to provide finance and a charge for credit will apply. Written quotations are available on request. Credit is available subject to status.
You can also pay by cheque, however, we are unable to start your cover until your cheque has been received at our office.
Prefer to talk?
Call us 7 days a week on
0800 14 88 414
Free from landlines
Mobile users may find
it cheaper to call
01422 396 770
8am - 8pm Weekdays
9am - 4pm Weekends
& most Bank Holidays
Leisuredays report static caravan storm claims up 300% in 2012
The extremely windy weather during December and the early months of 2012 has caused a 300% increase in static caravan insurance claims for storm damage.
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