Why You Need Campervan Insurance
If you’ve been wondering how serious travellers spend their holidays, we’ve got the answer for you, and its campervans.
Campervans are becoming more and more popular among people who want to avoid the hassle of airport check-ins, but still see another corner of the world - on their own terms.
Enter the campervan. Campervans are functional and allow exploring a country like never before.
More people than ever choose the open road instead of hotel resorts - it’s just a far more exciting and adventurous way to spend a holiday.
But travelling in a campervan is different than regular travelling and requires special kind of insurance.
Campervans can come in luxurious models that cost considerable sums of money.
That’s why smart travellers rely on specialised campervan insurance.
We have ample experience in arranging campervan cover and will take care of your van as you enjoy travelling and living inside it.
Differences Between Motorhomes and Campervans
It’s critical that you don’t confuse a motorhome with a campervan when purchasing your insurance.
Motorhomes and campervans share many things, but some features also make them different.
Find out more about Lancaster Insurance's motohome insurance here.
Contrary to campervans, motorhomes usually have the driving cab separated from the living space.
Campervans tend to be smaller and more compact.
One of the most common campervan types is the Volkswagen Camper, but the vehicle comes in various shapes and sizes.
Some campervans even have a pop-up or high-top roof.
Motorhomes are larger and designed for roaming the country for more extended periods.
Most motorhomes also contain far more advanced appliances than campervans (for example, full-sized ovens, fridges, and bathrooms).
Motorhomes generally fall into these four categories: coach-built, A-class, American ‘RV’ style, and race trucks.
What’s Not Covered With Campervan Insurance?
Unfortunately, campervan insurance can’t cover everything that might go wrong with your campervan while travelling or at home.
It’s essential that you review exclusions to insurance policies to have a clear idea about what is not covered.
For example, some insurers might not provide cover if the vehicle was stolen while you have left it unattended with the engine running.
There may be more examples of similar situations so make sure to ask your provider about these exclusions.
Another potential exclusion of campervan insurance is damage to tyres caused by braking. That may include punctures, bursts, or cuts.
Moreover, some insurance policies may not cover damage caused by domestic animals, moths, vermin or pests.
We always strive to make sure the campervan policies we arrange are as accommodating as possible to the individual needs of our customers.
If you would like to cover a particular situation, let us know, and we will include it in the calculating process when you ask us for a quote.
How Do I Make a Claim?
Whether you have been in an accident, victim of a fire or your vehicle has been stolen, notify the Lancaster claims line as soon as possible by calling 01480 484802.
If you’re dealing with theft, make sure to report it to the police immediately.
Make a note of the crime book reference number the police give you. We will need it for processing.
Then make a call to our claims line, and one of our technicians will help you take the next steps to make your claim.
How Much Does Campervan Insurance Cost?
Just like any other insurance, the cost of campervan insurance is based on several factors.
The cheapest campervan insurance may cost as little as £150.
But it can easily reach a thousand pounds.
The exact cost of insurance depends on many different things - for example, your campervan model and age.
It rarely happens that coverage exceeds £1,000, but it can happen in the case of high-premium campervans.
We aim to offer our clients a great price on specialist campervan insurance.
What Do I Need To Get Campervan Insurance?
You can only get campervan insurance if you’re over the age of 21.
Note that insurance offers for drivers who are younger than 25 years of age may be slightly more expensive.
Age is one of the factors insurers consider when generating a campervan insurance quote.
Naturally, you also need to show us that you’re the legal owner of the campervan in question.
We will require you to provide us with documents that prove your ownership.
*Policy benefits, features and discounts offered may vary between insurance policies and are subject to underwriting criteria.
Available Benefits at a Glance:
- Motorhome Club member discounts*
- Free EU cover up to 90 days
- Up to 365 days EU cover Available
- Gas Bottle & Awning Cover
- Windscreen Cover
- Optional Breakdown Cover**
- 24 Hour Claims Helpline
- UK Based Call Centre
- Personal Effects up to £6000
- Limit Mileage Discounts Available
**(available from £49.95)