INSURANCE

 

VEHICLE INSURANCE 

When buying breakdown cover, make sure a policy includes roadside assistance, multilingual 24-hour helpline, guaranteed towing to a garage, adequate car hire and alternative accommodation bills. If the vehicle cannot be repaired, it will need to be repatriated. So before selecting a policy check carefully the limits on all these items, as well as the overall limit on the contract. The cheaper the policy, the lower the limits.

 The three main UK breakdown recovery providers (AA, RAC & Green Flag) all have length and weight restrictions on their standard policies. However breakdown insurance purchased through the two major clubs and certain insurers/brokers is generally less restrictive.

 The motorhome must remain insured at all times, unless covered by a Statutory Off Road Notification – SORN.

 Check that ‘European cover’ includes the principalities of Andorra, Vatican City, Monaco and Liechtenstein.

 Red Pennant insurance run by the Caravan & Motorhome Club includes recovery after breakdown on French toll roads, service stations thereon, and dual carriageways with a central barrier. They also provide medical cover for the over 75’s.

 If a motorhome is Ford Transit based, and serviced by Ford you can get Europe-wide breakdown cover for £20.

 Speak to a short list of prospective insurers to find out which security devices they recommend or recognise for discounts on premiums. Ensure that any device fitted is ‘Thacham’-approved or the insurers may not take it in to account when setting the premium.

 Full-timing cover can be expensive as the insurers cannot easily access the risk.

If towing a car most policies cover a car third party whilst it’s attached to the motorhome, but be sure to check. You will also need to contact your car insurers to ensure what level of cover you have, both for towing and foreign travel.

 Those under 25 and over 80 will have a harder time getting insurance. Over 80’s should consider sticking with their existing insurer as some companies will continue to insure a loyal customer of an age they wouldn’t otherwise consider.

 Pay for what you need and no more.

 TRAVEL INSURANCE

 Policyholders who have an annual policy should inform their insurers of any new medical condition during the period of insurance. They should also inform the insurer of any change of circumstance with any family members as this could increase the risk of a policyholder cancelling a booked trip at short notice. This is unlikely to affect the premium but failure to disclose the information could invalid the insurance policy.

 ‘Allclear’ is one of a growing number of companies that tailoring policies to individuals medical histories. 0845 250 5250 www.allcleartravel.co.uk

 JD Travel insurance 01689 859102 www.jdtravelinsurance.co.uk

 P J Hayman 0845 230 5000 www.freespirittravelinsurance.com

 Travel insurance up to age 85 – www.avantitravelinsurance.co.uk

 Travel insurance, no age limit – www.justthecover.co.uk

 Over 50’s travel insurance, most medical conditions covered www.staysure.co.uk

 ‘Saga’ specialise in covering the over 50’s. Older people tend to have more pre-existing conditions; as a result it becomes harder for them to get annual cover. The older you are the more likely it is that you will be offered only single-trip cover.