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About It's Motorhome Insurance
We have partnered with It’s motorhome Insurance to offer competitive quotes from specialist motorhome insurance brands. From extensive experience they understand that the best way of obtaining a competitive Motorhome insurance quote is by dealing with specialist insurers, so you can be sure you are speaking to the right people. Simply complete the online quote and start saving today.
It's MotorHome Insurance FAQs
What can it's motorhome offer?
- Varied levels of cover
- Limited mileage policy discounts
- Foreign use cover
- Social, domestic & pleasure 5 .Business
Do I need motorhome insurance?
It is a legal requirement in the UK and Northern Ireland to have valid insurance in place for your motorhome. In fact, any vehicle that is used on roads and public places must have insurance at third-party cover or above.
If you are caught driving with no insurance, it is more than likely that you will be given an IN10 driving conviction which can deliver a hefty fine, 6-8 points on your licence and possibly even a driving ban.
However, vehicles that are kept off the road and have been notified to the DVLA (SORN), are exempt from requiring insurance.
Even if your vehicle, such as your motorhome is kept off the road in a safe place (SORN), it is STILL highly recommended to seek out specialist insurance to cover your vehicle from fire and theft damages.
What types of Motorhome insurance exist?
There are three types of cover available for motorhome insurance in the UK
Third-party only (TPO):
Third-party only (TPO) covers any costs, damages and losses to people, vehicles and property in the event of an accident deemed as the policy holders' fault. Any damages, losses or costs to the policy holder or their vehicle is excluded. TPO Insurance is the cheapest and lowest form of insurance you can buy.
Third party, Fire and Theft (TPFT):
Third-party, Fire and Theft (TPFT) also provides coverage for any costs, damages and losses to people, vehicles and property in the event of an accident deemed as the policy holders' fault.
However, in addition to the above, it also covers any costs, damages and losses to the policy holder's vehicle which is directly caused by fire or theft.
TPFT insurance is more expensive than TPO as it is a higher form of cover.
Comprehensive insurance provides cover for any damages, losses or costs for the third-party and the policy holder as well. Comprehensive cover is one of the highest and most expensive forms of insurance you buy but is found to be the most popular option.
Comprehensive insurance can also provide cover for windscreens and medical expenses.
Regardless which cover you take out, if you have an accident which is not your fault and the third party is insured, you can claim on their insurance to cover any costs, damages and losses suffered by you. The same applies for the third-party if you are found to be at fault.
What can affect the cost to my motorhome insurance?
There are many factors which come into play when calculating the premium for your motorhome insurance.
There are five different types of claims which can affect your motorhome insurance. These are; Non-fault, Fault, Partial, Pending and Windscreen.
A non-fault claim occurs when a third-party has admitted liability for the incident. For example, if the third party hit the policy holder's vehicle from behind, the third party would be at fault and the claim on the policy holders' side would be settled as a non-fault claim.
Non-fault claims do not normally affect insurance premiums but they still need to be disclosed just like any other claim.A fault claim is the opposite of a non-fault claim. This is where the policy holder is at fault for the incident. For example, if the policy holder hit the third party from behind, the policy holder would be at fault for the incident and the claim on the policy holders' side would be eventually be settled as a fault claim. Fault claims can greatly affect insurance premiums.
A partial claim is when the third-party and policy holder are both equally to blame and the claim is split 50/50. Partial claims are often treated and rated as fault claims, which can greatly affect insurance premiums.
A Pending claim is when the incident has not yet been settled, normally due to one of the parties not admitting liability. Even if the policy holder is clearly not at fault, pending claims are temporally treated and rated as fault claims which can affect insurance premiums. However, if the claim is eventually settled as a non-fault, the past insurers will often be happy to refund any additional premium charged.
A Windscreen claim is when the policy holder claims on their comprehensive insurance for a windscreen replacement or repair. Windscreen claims are classed as non-fault, which would not normally affect insurance premiums but they still need to be disclosed just like any other claim.
If you have had any claims or accidents in the past 5 years, you must disclose them to your insurance company, otherwise they may cancel or void your policy.
There are hundreds of types of convictions which drivers can receive from the police and DVLA. All of which will affect your premium, some more than others. The most common convictions are; speeding, drink/drug driving, driving without insurance and using your phone whilst driving.
Age affects premiums more than anything else. Generally speaking, the older you are, the lower the premium is.
Telematics, also known as a black box, is a relatively new invention which can be easily installed into any vehicle. Once installed, a black box can monitor different types of data such as speed, acceleration, braking and more. This data can be shared with whoever is maintaining the telematics box such as a business managing their fleet or an insurance company.
Especially for younger drivers, telematics can greatly reduce insurance premiums.
Postcode and parking
Postcodes are another main factor which can either greatly increase or decrease insurance premiums. The higher the postcode is rated, the higher the premium will be. Postcode ratings are calculated using crime and accident statistics, flood risks and more.
Parking is another huge factor which can either greatly increase or decrease insurance premiums. The more secure the parking is, the lower the premium will be. For example, keeping a vehicle in a locked garage or a driveway is safer than parking the vehicle on a public road or car park, so the premium will be lower.
Does motorhome insurance provide foreign use?
Most motorhome policies provided by It's Motorhome Insurance includes foreign use. However, it is subject to underwriting criteria.
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