A motorhome is usually more expensive than a car. However, motorhome insurance is generally less expensive than a comparable car.
Insurers generally consider motorhomes safer than cars, despite the fact that they are larger than other vehicles. These are simple reasons that can be easily seen if you look closely. Compare the frequency with which people use their motorhomes and cars. Next, compare how many people drive their motorhomes and how many they drive in their cars. Which one do you believe is more likely to cause an accident and therefore a higher insurance premium?
Insurance companies base their rates on a wide range of national statistics and demographic information. This explains why the motorhome owner’s relative smallness is in their favor. This equation is even more favorable when you consider other factors.
Motorhomes are not a popular choice for inexperienced drivers. It would be difficult to find a new driver who bought a motorhome as their first vehicle. They are not only expensive, take up space, and are considered an investment. However, depending on how large your motorhome is, you might need an additional C-class (medium-sized vehicles) license in order to legally drive it. This regulation can have a direct effect on insurance policy costs. The vast majority of recreational vehicles based in the UK are driven by experienced drivers who understand the importance of taking care of the road and will not be surprised at the variety of situations they face. Motorhomes are not for nervous, twitchy drivers and boy racers.
Motorhomes are also driven differently to other vehicles. This doesn’t necessarily refer to the actual internal combustion engine or highway code, but it does refer to how frequently and in what situations motorhomes are used. Motorhomes should not be used in high-risk areas like the city’s rush hour traffic. It would be insane to use your motorhome as a vehicle to commute to work each day. Not only would it cost you more fuel and be difficult to park, but it would also render you ineligible for many providers of motorhome coverage. Many of them say that your motorhome should not be driven to and from work.
Motorhomes also have a lower risk of being stolen. Motorhomes are easily identifiable. If your motorhome is targeted by a thief, they will likely target your personal items rather than your car. This type of coverage is included in most motorhome policies, which are generally more comprehensive than third-party fire-and-theft.
A motorhome is likely to be driven by an experienced driver, in a casual manner, for recreational purposes only. An insurer will be more comfortable taking a vehicle you only take on a limited number of trips per year than any other vehicle.