Thoughts On Motorhome Insurance
Insurance Times published an article recently stating that the financial ombudsman had decreed that there are certain circumstances in which it would back the policyholder over the insurer, excluding however, instances where keys have been left in or near a car. I was then left wondering if the same would apply to motor homes.
The family and I had a late night in our motorhome playing cards and went to sleep very tired. As a result, when we woke up the next morning we were already late for a rendezvous that we had arranged with our close friends and fellow motor homers, the Wilsons. The usual queue for the shower ensued and by the time we were finally ready to go, our friends had decided to explore the country-side without us.
Then I couldn’t find the keys. We looked everywhere, and in my usual patient and understanding way I first accused every member of the family of hiding them, progressed to accusing them of not helping me to look for them properly and concluded by accepting my son’s version of events that aliens had come from Mars and stolen the keys to my motor home. I went to the cab to get my mobile and call my insurance company for help. I was stranded in the middle of a field with a grumpy family… and it was about to rain.
There, sat in the middle of the cab, next to my mobile phone were the keys! I had left the keys to my pride and joy on display in the cab, and I couldn’t help but wonder if the motorhome would be insured if it had been stolen under these circumstances, and so my mind wound its way back to the Insurance Times article.
If my motorhome had been a car the ombudsman would have considered
Location
Was I in a position to deter a thief
Was I recklessly ignoring the risks
Mitigating factors
Whether I knew about the exclusion in the insurance policy
I would like to think that this kind of thinking would have applied to me and my motorhome. If you use an insurance broker there is a much higher chance of finding a comprehensive insurance policy to cover you whatever your situation.
For a class leading service in motorhome insurance contact Coversure insurance. Their motorhome insurance is unmatched by other companies and you’ll leave with the peace of mind that you’re covered. You are welcome to reprint this article – but get your own unique content version here.
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