| Purchasing a motorhome is generally a more | | | | experienced drivers who know to take due care |
| significant investment than purchasing a car. | | | | on the road and won't be surprised by the bulk of |
| Nevertheless, when it comes to motorhome | | | | situations they encounter. In short, boy racers |
| insurance in general comprehensive cover costs | | | | and nervous, twitchy drivers don't own |
| much less than it would do for a car with a | | | | motorhomes. |
| comparative value. | | | | The other reason is that motorhomes are driven |
| Despite the fact that their size makes them | | | | in a completely different way to other vehicles. |
| much less nimble than smaller vehicles and the | | | | Obviously this doesn't refer to the actual |
| attached assumption that they're more likely to | | | | mechanisms of the internal combustion engine, the |
| be at risk of an accident, motorhomes are | | | | highway code or the methods of steering and |
| generally regarded by insurers as a much safer | | | | acceleration - it refers to how often motorhomes |
| bet than your average car. The reasons for this | | | | are used and in what situation. Motorhomes are |
| are fairly simple and also fairly apparent upon | | | | extremely unlikely to be taken into the high-risk |
| closer consideration. Compare how often people | | | | environments that most car owners experience |
| use their cars and their motorhomes; then | | | | on a daily basis, namely the rush-hour traffic in |
| compare how people drive in their cars and how | | | | the middle of a busy and cramped city centre. |
| they're likely to drive in their motorhome - which | | | | You'd have to be mad to use your motorhome |
| do you think is more likely to lead to an accident, | | | | to travel to work and back each day; not only |
| and thus a higher rate of claims and a higher price | | | | would it be expensive in terms of fuel and parking |
| for insurance? | | | | costs and gain some odd looks from your |
| Because insurance companies work out their | | | | co-workers, it would also make you entirely |
| rates based on a huge array of national statistics | | | | ineligible for most providers of motorhome |
| and demographic information, the relatively small | | | | insurance. Most of them stipulate that you |
| number of motorhome owners in comparison to | | | | shouldn't drive your motorhome to and from |
| car owners comes off in their favour. When you | | | | work, just in case the whim takes you. |
| factor in other considerations, this equation works | | | | Additionally, motorhomes are at a substantially |
| out even more favourably. | | | | decreased risk of being stolen. They're fairly |
| For a start, very few inexperienced drivers buy | | | | recognisable vehicles after all. If a thief does |
| motorhomes. You would be hard pressed to find | | | | target your motorhome, then they'll probably be |
| a newly qualified driver who's first purchase was a | | | | after your personal effects rather than the car. |
| motorhome. Not only because of the price, the | | | | Luckily this kind of cover is a fundamental part of |
| space they take up or the fact that they are | | | | most motorhome policies that are more |
| generally a considered investment - but also | | | | comprehensive than third party fire-and-theft. |
| because depending on the size of your | | | | Effectively, the chances are that a motorhome |
| motorhome, you may need an additional C class | | | | will be driven by an experienced driver in a |
| (medium sized vehicles) license to be legal for the | | | | relaxed manner for little more than recreational |
| road. This kind of regulation has an innate effect | | | | purposes. A vehicle that you take on an extended |
| on the costs of insurance policies. Beyond this | | | | trip a few times a year is a much safer bet for |
| though the vast majority of UK based | | | | an insurer to take than practically any other car. |
| recreational vehicles are owned by very | | | | |