14/10/2021
Share this story Share on Facebook icon Share on Twitter icon Share on Pinterest icon Share on Google Plus icon Share on Linked In icon Share via Email icon

Motorhome insurance: Alarming statistics

d186911b-2bfc-47be-a793-40796479293b

Words by Richard Dredge

Page contents

 


Securing your vehicle

Motorhome theft is a growing problem, and whether your vehicle is ancient and has been to the moon and back, or you’ve invested your life savings in a new model worth more than Bolivia’s national debt, forking out on some extra security is a good idea. However, the cost of such an investment can be significant (typically £600 to £1,000 or more), and its fitment may not actually cut your premium by all that much.

Most insurance claims filed by motorhome owners are for damage, rather than theft, and installing a tracking system won’t stop you damaging your campervan when you try to squeeze it into a Fiesta-sized space. But, despite all this, it’s still worth investing in extra security, unless your vehicle was already supplied with a top-notch system; some insurers insist on it if the value is over £50,000 or £60,000. Most new motorhomes feature nothing more sophisticated than a Category 2 system as standard, though.   


Security ratings

Security systems have a Thatcham category, because all testing is done by the insurance research centre in Thatcham, Berkshire. Just as well the testing centre isn’t based in Llanfairpwllgwyngyllgogerychwyrndrobwllllantysiliogogogoch.

The ratings are:

  • Category 1: Electronic alarm and immobiliser
  • Category 2: Electronic or electromechanical immobiliser
  • Category 2-1: Electronic alarm upgrade
  • Category 4: Wheel locking devices
  • Category S5: Tracker systems
  • Category S7: Lower-spec tracker systems (see thatcham.org/what-we-do/security for more)   
 

Get MMM for just £2.99 a month!

test banner
special offer banner

MMM is Britain’s best-selling motorhome magazine and it has been for over 55 years. Each four-weekly issue is packed with the best motorhome travel features, genuine reader reviews of campsites, in-depth motorhome reviews, plus the latest technical advice, buying tips and much more.

MMM’s fully searchable digital library gives you access to the latest issues, plus every edition of MMM since January 2012.


Recommendations from insurers

For high-value motorhomes, most underwriters ask for a Category 1 or S5 system, if they insist on anything at all. Category 1 systems are the ones most likely to prevent your ’van being stolen; Category S5s allow your vehicle to be retrieved if it’s pinched. Most companies would recommend a tracker above a top-notch alarm and immobiliser system, as your motorhome or campervan should always be capable of being recovered, no matter what. However, for ultimate peace of mind you need to fit a system that works in Europe; most insurers recommend Phantom (phantom.uk.net), whose prices range between £249 and £1,099.

Even if your insurer doesn’t insist on a tracker, it’s worth considering one, especially if your motorhome is valuable, or if you’re likely to be out of pocket when it comes to making a claim in the event of theft. For around £500 it offers peace of mind, while also being very discreet; the system relies on a small box being fitted somewhere in the vehicle. In the event of a theft, this emits a signal which then allows the motorhome to be tracked using GPS.   


Mechanical devices

You don’t have to go down the electronic route, however, as there’s a raft of mechanical devices that are also worth considering. Thatcham doesn’t rate them any more (they used to be Category 4), but check out the Sold Secure website (soldsecure.com) to discover which are the best products. Wheel clamps, steering wheel locks and pedal locks that might slow down a thief can only be a good thing, as anything that gets in their way might make them look for an easier target.

Also consider removing the ignition circuit fuse; we even know of one reader who removes his motorhome’s wheels while it’s being stored. Or you could install posts on your drive, which won’t allow a motorhome to be moved; also think about fitting gates, which will hopefully keep the tea leaves at bay. You could think about putting up some CCTV, too; if this doesn’t deter thieves, you might at least get a mug shot of whoever steals your motorhome, so you can pick them out in an identity parade down at the local nick.

Motorhome Protect's Andrew Evanson concludes,

 

It’s a common misconception that having security devices on your motorhome will give you a significant discount on your insurance premium. With it being compulsory for a lot of insurers on higher-value motorhomes, what it does do is open more insurers up to you. This means you will get fewer quotes declined, and therefore give yourself a greater chance of getting a lower premium. In addition, it gives you peace of mind knowing your vehicle is protected from thieves.


Motorhome Protect Insurance Specialist

Insurance protect

Tel: 01865 818331

Get a quote today


Expert motorhome advice to your door!

Why not subscribe to one of our fabulous magazines and get expert advice, travel ideas, technical help and all the latest news for your motorhome and your motorhome adventures!

MMM Motorhomers' Magazine

Want to know more about MMM magazine?

Every month MMM has articles written by motorhomers who have been there and done it, from great UK and European (and further afield) tours, campsite reviews, owners' reports and DIY projects among other things. MMM's tests, reviews and expert buying guides are not to be missed. MMM's technical advice is a must and includes everything from weekend jobs to longer-term DIY projects. And much more!

About MMM magazine  
What Motorhome Magazine

Want to know more about What Motorhome magazine?

Every issue of What Motorhome magazine provides essential buying advice for anyone looking to buy a new motorhome or campervan or upgrade their existing model. With a pedigree of over 30 years of offering the best motorhome and campervan buying advice, every issue of What Motorhome includes more new motorhome and campervan reviews than you will find in any other magazine.

About What Motorhome  
Campervan Magazine

Want to know more about Campervan magazine?

Campervan is the exciting monthly magazine that will give you all the inspiration you need to explore the world in your campervan. Every issue is packed with real-life campervanning experiences, inspiring travel ideas in the UK and further afield, the best campsites to stay on, campervan road tests and reviews of the latest models, and much more!

About Campervan magazine  

Back to "General" Category

14/10/2021 Share this story   Share on Facebook icon Share on Twitter icon Share on Pinterest icon Share on Google Plus icon Share on Linked In icon Share via Email icon

Recent Updates

Extend and enhance your stay at the Western Motorhome & Campervan Show with these unmissable attractions ...


Motorhome DIY project: Lithium battery upgrade

Swapping to lithium batteries to improve 12V power performance when away from mains hook-up or wild camping ...


Best non-fixed bed motorhome £70k-£100k in 2022

What Motorhome brings you the best of 2022 featuring the best non-fixed bed motorhome to buy between £70k and ...


HemBil campers

From CMC comes the rather cool HemBil range, here we look at three of its key models


Other Articles

Nottingham-based RoofBunk builds a rooftop tent that’s compatible with any vehicle, offering a cost-effective alternative to a pop-top roof. We ...


Motorhome running costs - saving money with fuel economy

With diesel and petrol prices at a record high, now’s the time to start thinking about measures to mitigate ...


Spotlight on... Orange Campers

This Yorkshire-based converter prides itself on offering value for money with its adventure-ready Trouvaille ...


Why motorhome and campervan owners should consider renting out their campervans this summer

With staycations on the rise, increasing numbers of holidaymakers are looking to campervan and motorhome ...