A Motor Vehicle and Living Space
A motorhome combines a registered vehicle with accommodation, fixtures and contents. Depending on the product, cover may address collision and driving risks as well as theft, storm, fitted equipment and temporary accommodation. A converted van, bus, campervan or factory-built motorhome may have different acceptance criteria.
Cover to Check
Check how the policy treats vehicle value, fixtures, appliances, solar and batteries, awning, personal contents, windscreens, towing after an event, emergency accommodation and legal liability. Check how modifications and the conversion itself are valued.
Drivers, Weight and Use
Driver age, licence class, claims history, vehicle weight, annual distance and storage may affect eligibility. Check whether the provider accepts permanent living, business use, hiring, overseas shipping or extended periods away, and answer any questions about the vehicle and its use accurately.
Questions to Ask
- Is the vehicle insured as a motorhome, campervan or modified vehicle?
- Are the conversion and fitted equipment included in the vehicle value?
- How are personal contents treated?
- Which drivers and uses are accepted?
- Are breakdown assistance and insured-event towing separate?