Camper Van Insurance – How to Get Cheap Van Insurance
Taking trips in a camper van can be extremely fun, but it’s important that you have the right type of camper van insurance. Learn important insurance information that can help protect you against huge financial losses in the event of accident or theft.
Like any type of vehicle insurance, camper van insurance can protect you against huge financial losses. Campervans are extremely popular, especially in today’s economy. By providing both transportation and sleeping accommodations, as well as daytime seating, toilets, refrigerator, kitchen, microwave, shower, television, and many other luxuries, a lot of money can be saved by eliminating hotel and restaurant costs. A camper van is also known as a motor caravan and is considered a Class B recreational vehicle. And their smaller size can make them easier to handle than some of the larger motor homes.
Camper Van Insurance – Optional Van Features Can Alter Your Rates
There are many different optional features available in a camper van. They can have one or two beds, sometimes more, which can also double as daytime seating. Some models will include DVD players, radios, CD players, air conditioning, water heaters, and other amenities. No matter what model you buy or which features are included, you need to make sure you get camper van insurance that will cover your vehicle.
Most camper vans have a roof that can be raised while camping or at least a high roof, making it easier to walk around inside. You will find many manufacturers producing camper vans these days as they have become very popular. Some of the top models may come from Volkswagen, Fiat, Toyota, Nissan, and others. In addition to personal use they are commonly used as commercial vehicles as well.
Buying good camper van insurance is a must if you want to protect yourself from large financial losses in the case of accident or theft. It is important to get an online van insurance quote or two, whether an online camper van insurance quote, or a quote directly from an insurance company, before rushing in and buying from the first agency.
Camper Van Insurance Prices Can Vary Widely
Prices can vary greatly among companies so it pays to do a little homework beforehand. Before buying camper van insurance you will want to do a van insurance comparison, which is quickest and easiest online. You will usually be required to give basic information before receiving any van insurance quotes, but it will be fast and easy.
Understanding what your camper van insurance will cover, in addition to any exclusions or deductible amounts, is paramount. Be sure you get camper van insurance that will protect you against damage or loss to your vehicle and that you understand what is excluded. Higher deductibles can lower your rates, but make sure it’s not so high that you will have a difficult time coming up with the money if an accident should occur.
Some companies may offer a no claims discount, also known as a no claims bonus. If you have no claims discount, each year you drive without making a claim you will be entitled to a reduction in your camper van insurance premium the following year. This is how a good driver can be rewarded for their good driving.
The amount of bonus, or discount, will vary between insurance companies, but usually is fixed for a maximum number of years, typically about five or six years. If you file no claims for the maximum number of years, five or six years as an example, you will have accrued what is called “maximum no claims discount.” It’s possible to get as much as a 50% or 60% discount in camper van insurance premiums over the maximum allowed years. If you are forced to make a claim on a no-fault accident after the maximum number of years you can lose some of your discount. However, by paying an extra premium it’s possible to avoid losing your discount if you are involved in an accident that is not your fault. Asking appropriate questions of your insurance agent as well as driving carefully can reward you with lowered camper van insurance premiums.
