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Camper vans, of course, come in all shapes and sizes – from the large to the small, from the modestly priced to the more lavish home from home costing many thousands of pounds. Whatever type of vehicle you might own – or might think of owning – however, there comes a time when you need to consider camper van cover to insure the vehicle.

Because your camper performs a whole range of functions (from getting you and your family from A to B, to providing you with somewhere to cook, eat and sleep), the insurance needs to reflect such multi-purpose use. In fact, cover is probably so unlike any other type of insurance you’ve bought, that it often makes sense to deal with a provider who specialises in insurance for motor homes and camper vans.

What elements, then, is your camper van insurance likely to cover?

the vehicle – if it’s anything but the most basic and really quite ancient of camper vans, you’re likely to choose a fully comprehensive policy (a minimum level of third party cover is, of course, a legal requirement for driving on public roads). Comprehensive cover typically has the advantage of protecting the vehicle against accidental damage even where you are at fault and typically includes a number of additional insurance options;

the windscreen – amongst those additional options may be cover for damaged or broken windscreens. A broken windscreen is clearly something that needs to be repaired promptly, at the roadside, so that you are able to continue with your holiday with the minimum of fuss and delay;

breakdown cover – for the same reasons, it is also worth considering the inclusion of breakdown and roadside assistance cover in the event of a mechanical or electrical failure. If repairs are unable to be made within a reasonable space of time, you might want to check that the policy makes provision for alternative transport and/or accommodation;

personal injury – given the extended periods of time you and any passengers are likely to be driving in a camper van and the distances you intend to cover, it might be more important than usual to ensure that your policy includes cover for personal injury;

equipment and contents – if there is one thing that marks out a campervan from other motor vehicles, it is the sheer range of additional equipment and contents likely to be carried on practically any outing. This might range from the gear needed to set up camp, the bedding and personal effects you take with you and perhaps even a bicycle or two strapped to the back of the vehicle. This all adds up to a tidy investment, of course, and you might want to make sure that your camper van cover does indeed insure everything you regularly take with you.

Andrew Pickles is Director of Frank Pickles Insurance Ltd. We offer a wide range of UK specialist vehicle insurance products at our site http://www.frankpickles.co.uk including Camper Insurance

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