What is motorhome breakdown cover?

When travelling in a motorhome, the last thing you want is to experience a breakdown far from home. Motorhome breakdown cover offers vital assistance to ensure you get back on the road quickly and with minimal disruption.

In this guide, we’ll explain what motorhome breakdown cover is, what it typically includes, and why it’s essential for any motorhome owner.

What is it?

Motorhome breakdown cover is a specialised insurance policy designed to assist owners in the event of a breakdown. While similar to standard vehicle breakdown cover, it includes additional features tailored to the unique needs of motorhome travel.

Although not legally required, having motorhome breakdown cover provides peace of mind, ensuring that you are supported whether you’re on a weekend getaway or a long journey across Europe.

What does motorhome breakdown cover include?

Breakdown cover offers several key services designed to handle various issues you might encounter on the road:

Roadside assistance
If your motorhome breaks down, a mechanic will be dispatched to your location to assess and, if possible, repair the problem at the roadside. This helps you avoid long delays and gets you back on your journey as quickly as possible.
Recovery
If the roadside repairs are insufficient, recovery services will tow your motorhome to a repair garage. This ensures that more serious issues are addressed professionally and that you’re not left stranded.
Replacement vehicle
Many motorhome breakdown policies offer the option to hire a replacement vehicle if your motorhome is out of action. This can be a lifesaver, especially if you’re in the middle of a trip and need a temporary vehicle to continue your journey.
Accommodation
In case your motorhome cannot be repaired promptly, some policies cover accommodation costs for a set period. This feature helps manage the inconvenience of an unexpected breakdown, ensuring you have a comfortable place to stay.
Replacement driver
If the primary driver becomes ill or is otherwise unable to drive, certain policies provide a replacement driver to take over. This is particularly useful for long trips or when travelling with others.
Rail fares
If your breakdown prevents you from continuing your journey, some plans may cover rail fares to help you reach your destination or return home.
Freight costs
For parts that need to be transported for repairs, some motorhome breakdown covers include freight costs. This helps in managing the expenses of getting necessary parts to the repair location.
Misfueling
If you accidentally fill your motorhome with the wrong type of fuel, the cover can assist with draining the incorrect fuel and transporting your vehicle to a repair garage.

Motorhome breakdown cover is crucial for several reasons:

Minimise disruption
A breakdown can significantly disrupt your travel plans. With breakdown cover, you receive prompt assistance to minimise delays and get back on track quickly.
Specialised services
Cover often includes features not found in standard breakdown policies, such as accommodation and replacement vehicle options, tailored to the needs of motorhome owners.
Peace of mind
Whether you’re travelling within the UK or across Europe, having breakdown cover ensures you’re supported in unexpected situations, making your journey more enjoyable and less stressful.

Choosing the right motorhome breakdown cover

When selecting a breakdown cover policy, consider the following:

Coverage area
Check whether the policy covers breakdowns in the UK, Europe, or both. Some policies may include additional features as add-ons.
Included services
Compare different policies to ensure they provide the services you need, such as accommodation costs, replacement vehicles, and misfueling assistance.
Policy limits and exclusions
Review the terms to understand any limits or exclusions that may apply, ensuring the cover meets your specific travel needs.

Summary

Motorhome breakdown cover is a valuable investment for any motorhome owner, offering essential support in the event of a breakdown. With features like roadside assistance, recovery services, and replacement vehicles, it helps ensure that your adventures are less likely to be disrupted by unexpected issues. By choosing the right cover, you can travel with confidence, knowing that help is available whenever you need it.

If you require breakdown cover for your motorhome, we’re able to offer this as an add-on to your insurance or as a standalone policy. Feel free to give us a call to discuss this on 0345 222 6318.