On the lookout for Motorhome Breakdown Cowl? READ THIS FIRST! (2023 replace)

On the lookout for breakdown cowl on your motorhome or campervan? Confused concerning the completely different insurance policies and the professionals and cons? Don’t worry- we’ve achieved the arduous give you the results you want. Listed here are the vital issues it’s good to find out about selecting motorhome breakdown cowl within the UK and Europe (and get the very best offers!)

Don’t overlook to seize your FREE motorhome pre-trip guidelines beneath that can assist you keep organised.

*We work arduous to make this the very best motorhome weblog and street journey web site attainable, filled with useful content material for you. The web site is supported by our readers, so when you purchase via hyperlinks on this web site we might earn a commission- at no further value to you. All opinions stay our personal.

In the event you discover this put up helpful, you may as well deal with us to a espresso on the backside of this page- we promise to take pleasure in it whereas creating extra helpful content material like this- we’d even take pleasure in a biscuit (or two!)

Motorhome Breakdown Cowl- do you want it?

We’ve all been there. That second of debate once you attempt to resolve whether or not to say sure or no to including on breakdown cowl to your motorhome insurance coverage coverage.

Or whether or not to get it via your checking account or with your property insurance coverage. All of us wish to get monetary savings the place we will.

HOWEVER, please keep in mind a few issues:

• Nobody ever plans to interrupt down. Or get a flat tyre. Or by chance refill with the mistaken sort of gas 😱
• Motorhome and campervan breakdown cowl usually wants a extra specialist response than automobile breakdown because the as automobiles are greater.
• Do YOU really feel comfy altering the tyre in your van? Or pushing it off the street to a protected place? Or coping with an issue in the midst of the evening (when impartial contractors are normally asleep)?

If the reply to any of the above is NO, then it’s good to get breakdown cowl on your van. It’s that straightforward and the small payment will provide you with far more peace of thoughts whereas touring.

Is breakdown cowl a authorized requirement?

Nope. You do NOT legally have to have breakdown cowl on your motorhome or campervan. Many individuals tour of their motorhome with no cowl in any respect. However, once more, when you’re not comfy fixing any issues which can occur, I extremely suggest you get applicable cowl.

Motorhome Breakdown Cowl- my expertise

Breaking down is traumatic. Particularly in a giant automobile like a motorhome and ESPECIALLY when it’s your property otherwise you’re abroad and have nowhere else to go.

In the event you watched my Scotland street journey sequence on YouTube, you’ll know that my buddy had an issue firstly of our Scotland Highlands Journey – yep on day one! She had a rodent chew via her diesel line and was unable to drive her motorhome. (In the event you haven’t seen it, you’ll be able to watch it right here. Don’t overlook to subscribe!)

My buddy just isn’t an fool. She lives in her motorhome full-time by herself and is completely competent at many issues.

However breaking down like that threw her. She was emotional, confused and devastated to be lacking our vacation. With out breakdown cowl, she would have been caught there for an indeterminate quantity of time- there aren’t many choices for restoration in the midst of nowhere!

Though it took a few days to get her sorted (as a consequence of needing a business tow truck), a minimum of she knew assist was coming.

How Does Motorhome Breakdown Cowl Work?

It really works precisely the identical as automobile breakdown cowl:

There are two motorhome breakdown choices:

• Cowl for a selected automobile.
• Cowl for a selected particular person in any/ most automobiles.

In the event you cowl your self then any automobile you drive or journey in is roofed beneath your coverage (verify to make sure this covers automobiles as massive as motorhomes.) In the event you cowl the automobile, then it’s THAT automobile which is roofed beneath the coverage, no matter who’s driving it (be sure that anybody driving your motorhome is legally allowed to and has the suitable motorhome insurance coverage cowl!)

If in case you have a number of automobiles in your family, you may look right into a Joint Breakdown Cowl, which covers two or extra automobiles (or folks) on the identical coverage.

Right here’s what occurs if in case you have a breakdown:

• You breakdown
• Name your breakdown firm quantity (hold their quantity and your coverage particulars handy. I’ve mine within the entrance of my street journey logbook)
• They are going to ship somebody to help you, who will both repair it roadside if attainable or organize so that you can get towed away – both to an area storage or again to your property.

Nevertheless, keep in mind that the providers and choices out there to you’re primarily based on the extent of canopy you have got paid for. Not each coverage affords a return to dwelling or an onward automobile so you’ll be able to proceed your journey, for instance.

On a facet word, don’t overlook that there are guidelines within the freeway code about breaking down and your obligations. You possibly can evaluation them on the Gov.uk web site right here.

Is Motorhome Breakdown cowl the identical as Automotive Breakdown cowl?

Merely put…NO (though some insurance policies will cowl each). You have to particular Motorhome Breakdown cowl, identical to your insurance coverage. The providers and insurance policies are arrange for the particular automobile sorts. This ties in with who they ship out and what restoration automobile they ship out.

Even when YOU are the particular person lined, you’ll want to make sure the coverage covers giant automobiles like motorhomes.

Motorhome and campervan breakdown cover- what to search for?

If you’re evaluating and reviewing breakdown insurance policies, there are some things to verify:

• The place does the coverage cowl? (UK, the remainder of Europe, worldwide?) You most likely don’t have to pay for worldwide cowl on your motorhome, however you may wish to add Europe cowl if it’s not included as normal (assuming you’re planning to tour Europe in your motorhome.)
• Can the coverage take care of your motorhome, particularly if yours is over 3.5 tonnes?
• Is the coverage for YOU (i.e.- any automobile you’re travelling in) or for a selected automobile?
• What does it embrace? What choices do you have got when you reside in your van fulltime? Will they supply one other automobile or a resort for you?
• What in case you are travelling with a canine or towing a automobile? What occurs then?

Motorhome Breakdown Cowl over 3.5 ton

If in case you have a motorhome which weighs or COULD (legally) weigh over 3.5 ton, you MUST verify that the coverage you purchase can take care of a automobile of this measurement. A number of the smaller/ cheaper insurance policies can not.

Finest Motorhome Breakdown Insurance policies- In contrast

That can assist you, we’ve taken the very best motorhome breakdown providers and in contrast the choices. These are the primary firms used, though after all others can be found when you want to do additional critiques and analysis.

In no explicit order:

What if You Tow a Automotive and Breakdown?

When wanting on the completely different breakdown insurance policies, verify that towing vehicles are included. Some insurance policies could also be included, and a few insurance policies might require this to be an “further”.

What Occurs When You Break Down with No Breakdown Cowl?

Typically talking, when you break down with no cowl, then you definitely’re by yourself to kind issues out!

This implies researching and calling round completely different firms to see if they will get better you. It additionally means you might need to pay a premium value to affix their scheme there after which.

Another choice is asking native garages or cellular mechanics within the space. The issue with that is that many individuals can’t take care of motorhomes and definitely can’t tow them if needed- they don’t have a large enough truck.

And this selection will nearly definitely value you greater than the worth of a yearly coverage. Even worse could be breaking down in Europe- is your French or Spanish or German adequate to elucidate the issue and what it’s good to an area mechanic? I do know mine’s not!

Closing ideas

On the finish of the day, getting campervan or motorhome breakdown cowl is a selection, not a authorized requirement. Nonetheless, I hope this put up has satisfied you to offer it correct consideration earlier than your subsequent journey.

Sharing is caring!