11/11/2021
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: Motorhome mods

f9021cc4-4538-43d3-ab80-b6063373080d

Words Richard Dredge

Page contents

 


What are mods?

This article is on mods, but not the type that used to assemble on the seafront in Brighton, causing havoc. No, we're talking about modifications, alterations or upgrades to your motorhome, and while making these might seem like an innocuous enough thing to do, it can give your insurance company palpitations.

Insurers like everything to be predictable and uniform, and they break into a cold sweat when they hear that one of their customers has deviated from the standard spec of their motorhome. When you think about it, their attitude is understandable, even if it doesn’t seem like much fun. You see, the problem is that people often overestimate their competence when it comes to electrics, plumbing, DIY and even routine maintenance. When you see the students’ house go up in flames in The Young Ones, because Vyvyan has somehow managed to wire the toilet seat into the mains, it’s all one big jolly jape. But when your motorhome is burned to a cinder because you’re clueless with a multimeter, you and your insurance company probably won’t find things so funny.


Be honest

This is the problem with modifying your motorhome; your insurer can’t be sure that you know what you’re doing. And for that matter, do you know what you’re doing? The sort of things that owners get up to might include incorporating modern lighting such as LEDs, fitting upgraded entertainment systems, or fitting solar panels to the roof, to keep a leisure battery topped up.

All of these things might seem innocent enough but, if you get the wiring wrong, you could end up causing a short circuit and then a fire. Even if you do know what you’re doing, some of the upgrades will make your motorhome more attractive to thieves, who will either want to steal your new equipment or they might want to pinch the whole vehicle. Come clean with your insurer and the chances are that your premium will go up a bit to reflect the increased risk. 


A bit more poke

Most of the modifications that motorhome owners undertake are focused on making their mobile life more comfortable, so it’s a true home from home. But we’re living in an age when it’s very easy to increase the power of your motorhome’s engine. Mechanical upgrades aren’t the sort of thing that appeal to most motorhome owners; those are normally left to the teenagers whizzing around out-of-town car parks on a Saturday evening, in their souped-up Fiestas and Corsas. But, if you want a bit more poke from your turbo-diesel, it’s possible to chip your motorhome’s ECU for some extra power and torque, and often to improve the economy at the same time.

Take a Fiat Ducato, for example, which in 2.3 MultiJet II form offers up to 177bhp. But for around £350, you can increase this by a third to 235bhp, while torque jumps from 295lb ft to 360lb ft – and all while potentially delivering more miles per gallon. Why wouldn’t you? For starters, because your insurer will increase your premium, because of the increased risk from your motorhome being more powerful.

Not all mods attract a premium loading, though. If you’re making your vehicle safer, such as by installing improved anti-surge protection to the electrics, or fitting Tyron Multibands (tyron.co.uk) to avoid crashing in the event of a blowout, you shouldn’t be penalised for this; some companies will even reward you. As always, the key is to speak to your insurer before you make any changes to your motorhome, and they’ll tell you what will stop them lying awake at night.

Motorhome Protect's Andrew Evanson concludes,

 

We don't break into a cold sweat at Motorhome Protect. We cover a number of non-standard mods, and understand owners want to make changes to their vehicles. There’s a good chance that any mod that makes a motorhome more desirable to a thief, or involves changing the performance of a vehicle, would increase premiums or excesses. But any work to make it more comfortable inside, practical changes, or those to improve safety are unlikely to make any difference to the price.


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

11/11/2021 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

A review of the Jackery Solar Generator Explorer 500 and SolarSaga 100W panel ...


Chausson's 2022 motorhomes and campervans launched

Never one to disappoint, innovative French motorhome and campervan manufacturer, Chausson, has flipped the ...


New for 2022 - Pilote and Le Voyageur’s new motorhomes and campervans revealed

Take a look at our spotlight for Pilote and Le Voyageur's 2022 motorhome ranges ...


Motorhome insurance: Alarming statistics

Fitting a tracker might not save you a lot on your premium but it means there’s more chance of you seeing ...


Other Articles

The easiest and quickest way to sell your motorhome or campervan is to part-exchange with a dealer or manufacturer when buying a new or newer model, ...


Motorhome insurance: New for old

If your motorhome is nearly new, you need to ensure that you have this type of cover ...


Open-all-year campsites for motorhomes

Make the most of your motorhome this winter by relaxing at campsites that welcome you all year long


Motorhome insurance: All things in excess

Increasing your excess might reduce your premium, but is it a wise thing to do? ...