Author: Andrew Pickles
Source: ezinearticles.com

When searching around for campervan insurance quotes it is often tempting just to go on the cost of the cover. However while taking affordable insurance is essential it is equally important to ensure that you have the protection you need. If you were to take out cover without fully checking what benefits you get in the insurance you may make a costly mistake if a claim were to be made and it was not covered in the policy.

Campervan contents insurance

As you are going to be taking your personal belongings with you, it is important to ensure that you have adequate insurance for your contents. Your contents may include your clothes and any personal belongings such as DVD players and MP3 players. Of course these are generally only protected whilst in the campervan and not if they are lost or stolen whilst outside. Usually contents are covered for such as theft, fire and some providers may also include accidental damage.

Your awnings and steps are also included in with your campervan insurance but there are limits as to how much the insurance provider pays out for these. You may also find that you are unable to claim for damage to awnings that has resulted through storm so you may want to check this in the exclusions of any policy you are considering taking.

If you have made modifications to your campervan then you may want to check to find out if you are able to take out agreed values in your insurance policy. Usually when obtaining campervan insurance quotes this is not included in the quote, so if this is something you want you may have to ask specifically for this type of insurance. Agreed values allow you to have your campervan assessed to ensure that you get back the true value of the campervan if the worst happened and your motorhome was stolen or destroyed by fire.

You might want to check to find out if your quotes include European insurance if you plan to travel around Europe in your campervan. Also, check to find out how many days cover the insurance provider offers as this may vary. You are able to claim on your insurance to stay in alternative accommodation if your vehicle were to become unusable. Again insurance providers pay out so much towards a stay and up to so many days.

Also, check how much excess you are asked to pay in the event that a claim is made. All insurance providers state a minimum amount and this may be higher with some providers than others. You do need to find this sum of money yourself if a claim is made so the lower this amount is the easier it may be on your pocket.

Check to find out if campervan insurance quotes take into account membership to caravanning clubs. Some insurance providers may offer discounts on insurance if you are a member of a recognised club in the UK.

Andrew Pickles is Director of Frank Pickles Insurance Ltd. We offer a wide range of UK specialist vehicle insurance products at our site http://www.frankpickles.co.uk including Campervan Insurance.