Quality, peace of mind insurance at an excellent price
As your motorhome insurance may be a substantial financial commitment, it is important that you make the right choice. It is also important that you speak to people who know about motrhome insurance and not just a computer operator with little or no insurance experience.
The Lifesure philosophy is to offer a personal approach, high levels of service and a competitive product range.
We will happily offer our advice and guidance on all motorhome insurance matters and always take time to make sure you fully understand any issues that you have raised. Our staff will also assist if you are unfortunate to suffer a claim or just wish to enquire about a possible alteration to your policy.
We have a very successful motorhome insurance scheme and the vast majority of our business comes from recommendations – enough said.
All motorhome / motor caravan insurance policies are subject to policy excesses. An excess is a portion of a claim that is the responsibility of the policy holder. It is always wise to check on all policy excesses to avoid an unpleasant surprise in the event of a claim.
The excess is payable to the repairing garage when repairs are completed, or in the event of the vehicle being ‘beyond economical repair’ the excess is deducted from the settlement.
Excesses are payable regardless of fault. In the event of non-fault claims the excess can usually be recovered from the responsible parties insurers. If you have legal cover we would usually instruct your legal insurers to act upon your behalf to recover this.
Only fully comprehensive motorhome insurance cover is available under our schemes.
Fully comprehensive cover provides all the cover afforded by third party, fire and theft plus accidental damage cover. This insurance cover includes damage caused to the insured vehicle maliciously, and in addition gives the benefit of windscreen damage cover (subject to an excess imposed by the insurers).
Many insurers will only offer comprehensive cover for vehicles over certain values with these starting as low as £4,000 with some insurers.
Please note that this is a summary of cover available and it may be possible to change the terms of the cover to suit your requirements. Please ring to discuss this if your requirements are not met.
Social, Domestic and Pleasure only – Use for Social, Domestic and Pleasure purposes excluding use for journeys between home and permanent place of work or any other place of work.
Social, Domestic and Pleasure including commuting – Social, Domestic and Pleasure and use by the insured for journeys between home and permanent place of business providing business calls are not made on the journey.
Please note all the above classes of use exclude commercial travelling, use for hiring, the letting on hire, the carriage of passengers or goods for hire or reward, racing, pace making, use in any contest, reliability or speed trail or use for any purpose in connection with the motor trade.
You will need to disclose full details of your occupation.
Should you have any additional occupation, or part-time occupation, however occasional, this must also be disclosed.
Certain disabilities or medical conditions must be notified to the DVLA (Driver and Vehicle Licensing Agency), as they may affect your or your named drivers’ ability to drive.
A list of the conditions that must be notified to DVLA can be found at www.gov.uk/health-conditions-and-driving. Any condition listed here must be disclosed. If you are unsure regarding any condition please contact our office on 01480 402460 to discuss. You can be assured of our discretion at all times.
These are factors which would be likely to influence the insurers in their acceptance and assessment of an application for insurance cover. As it is extremely important that your insurers are aware of all material facts, if you have doubts as to whether a fact is relevant or not, you should disclose it to us.
If you wish to discuss anything we will be pleased to talk to you.
If a motorhome has had any alterations made to its engine, suspension or bodywork, or is fitted with additional equipment, this is classed a modification.
If your vehicle is not the manufacturer’s standard specifications then you need to disclose the changes to us – however minor.
Your insurers may require your vehicle to be fitted with an immobiliser.
If this is requested, they will specify that the particular immobiliser must comply with Thatcham Category 1 requirements.
Thatcham Research is a body that was established by the British insurance industry in 1969. It is also known as the Motor Insurance Repair Research Centre. Full details of Thatcham approved devices can be found at www.thatcham.org, but should you have any queries we should be able to help.
Usually your insurer will require proof of fitment in the form of the fitting certificate, or copy of the manufacturer’s handbook if fitted as standard.
This optional insurance cover is usually included with all quotations, including new business quotes and renewal quotes. It covers you for legal assistance to attempt to recover any uninsured losses incurred as result of a non-fault motor accident. Such losses may include the policy excess paid to the repairer, personal injury, loss or damage to personal property, loss of earnings etc.
In addition to the legal assistance provided, Claims Plus also provides a 24/7 claims management service to assist with your motor claim and the provision of a hire vehicle should you not be able to obtain one from your insurer’s approved repairers and your vehicle has been rendered undriveable. This cover applies to accident claims and not fire or theft claims.(terms and conditions apply).
If you would like not to take advantage of this optional additional cover, it can be removed during the online quote, or by speaking to your adviser.
Our motorhome policies cover use of the motorhome on the continent within the E.E.C and certain other European Countries (see policy for full details).
There is no additional charge for this benefit. However some policies have a limit as to the number of days the vehicle may travel abroad in any one year.
Please check with us for details if you would like to extend the duration of your cover.
Please note that this is only a brief explanation for each of the covers available. Please read the policy booklet for full details in respect of each form of cover and the excess that may apply.
All covers are subject to exclusions. It is necessary for you to read the policy document to be aware of the exclusions imposed by the particular insurer. We always advise you to read fully the insurance policy so you may understand what you are, and are not, covered for.
All insurance policies advertised on this website are applicable only to residents of the United Kingdom and The Isle Of Man.