Overview of Motorhome Insurance

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Premiums from £196.98

Motorhome insurance from Towergate Bakers gives you great value for money and superb insurance cover for your motorhome, with unique motorhome insurance benefits for motor caravanners.

Key features

• ‘New for old’ replacement for up to three years 
• £2,000 + insurance cover for equipment, clothing and linen 
• £10,000 personal accident 
• No claims discount up to 62.5 %

Excess options

£200 excess which can be increased to give you great discounts

Main exclusions

• Theft of the motorhome where the key has been left in the ignition
• Loss of value following repair
• Damage to tyres through punctures, cuts, bursts or braking
• Loss of or damage to jewellery, watches, money, cameras and camcorders

For more information on this policy, including all exclusions, please go to the 'Details & documents' tab. 

Winner of Motor Caravan magazine’s ‘Best Top End Policy’  Award 2008

Frequently Asked Questions

 

Here are some of the questions we are often asked. If you can’t find the answer to your question, please call us 0870 998 0281 and talk to our ever-helpful, expert team.

Details and documents

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Towergate Bakers’ ‘Best Top End Motor Caravan Insurance Policy’* gives you the exceptional value in motorhome insurance cover you need.

It covers your motorhome throughout the UK and for up to 90 days in Europe (you can extend the overseas cover to all year round, if you wish). We also reward claim-free motor caravanning with generous discounts.

The motorhome team are experienced, knowledgeable and friendly. You’ll find them happy to answer any questions you may have or offer you a quote.

*Motor Caravan Magazine Awards 2008

Key policy features

• ‘New for old’ motorhome insurance cover for up to three years if you purchased your motorhome as new
• Motorhome insurance cover for all types of accidental damage or loss 
• Accidental damage cover while the motorhome is being driven, on site or in storage
• £10,000 personal accident cover for insured and spouse
• Equipment, clothing and linen insured while in your motorhome
• Liability insurance
• Awnings insured for up to £1,000 whilst in, on, or attached to your motorhome
• Cost of replacement locks if your motorhome keys are lost or stolen
• RAC  breakdown assistance in the UK and overseas available 
• Annual European use available

 Policy documents

Motorhome insurance policy wording (PDF 279k)

Motorhome insurance policy summary document (PDF 18k)

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Claims Process 

Fast and fair claims

It’s easy to make a claim with Towergate Bakers. Our highly experienced claims team will support you throughout. And if required, our specialist loss adjusters are on hand to sort out your claim.

The process is simple

You call our dedicated claims team on 0800 032 8190 for immediate advice.

You fill out the claim form and get estimates for repair, where possible.

If necessary, we will send someone to inspect the damage.

We authorise repairs or pay you the value of your claim.

Case study

On Christmas Day Mr J's festivities were interrupted by a call to tell him that his motorhome had been damaged by a fire.

As soon as it was reported, we made arrangements for loss adjustors to visit the damaged motorhome. Unfortunately, the motorhome had been gutted by the fire and settlement was agreed to replace it. 

In the meantime, Mr J found a replacement motorhome and the money from his claim settlement was cleared into his account in plenty of time for him to buy the new motorhome.

Tips and advice

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Towergate Bakers have years of experience of insuring motorhomes and so we are well placed to advise on the simple things you can do to reduce the risk of a claim in the first place.

Here are some key tips:

• Motorhomes are highly attractive to thieves. To help to ensure it’s not your motorhome they take, use a wheel clamp at all times, when parked. If you can afford it, an alarm and/or tracking device will also make the thief’s life much harder.

• Never leave expensive items on view and always lock your doors and windows when you are not in your motorhome or have retired for the night.

• If you are not planning to use your motorhome for a long time, take home all valuable items. Also, if possible, remove the upholstery, which is often targeted by thieves.

• Never leave your ignition keys in the motorhome.

• Consider carefully where you store your motorhome. Secure storage sites, especially CASSOA-approved facilities, are highly effective in preventing motorhome theft.

• If you have a generator, why not chain it to the motorhome chassis.

• If you haven’t used your motorhome for a while, carefully check the condition of your tyres before taking it on the road. Tyres can degrade if left standing for lengthy periods of time and this could increase the risk of a blow-out.