Motorhome owners need to understand that their mode of transport is one that requires specific and important insurance that will protect them in any situation. Particularly if it is always moving - even going abroad - the insurance needs to be in place to ensure a motorhome is always covered. Here are a number of things to consider when buying a policy of motorhome insurance from Staveley Head.

The first thing to do is look at the company offering cover to ensure they can provide the motorhome insurance policy you need. For example, do they really know about motorhome insurance or is it tacked on to their more general car insurance policy? While cheap insurance can be bought at supermarket checkouts, they often - if ever - have the expertise to help you out. Even having access to a 24-hour helpline is very important, given you may need help and support at any time.

You also need to consider what might happen if you were hit with a break-in. Many of your personal items may already be covered by household contents insurance, though motorhome insurance policies usually cover equipment, toilet tents, baggage, awnings, TVs and audio equipment up to £500. Still, be sure to check insurer's exact definitions and cover limits available. Just be sure to check out any requirements that need to be in place to act as a first line of defence, such as alarm systems, locks and other security options.

If you're planning to take a motorhome abroad as part of a holiday, you must first confirm with your insurer that you have enough cover to take account for your transport and accommodation for the length of the trip. Most insurers tend to put the limit at 90 days, though it can often be extended with the approval of an underwriter.

You can reduce your motorhome insurance premiums in a number of ways. These include limiting your mileage, taking out no claims on your motor, or putting the most experienced driver on your policy first. As previously stated, the most effective way to lower premiums is to make it as secure as possible; consider clamps, immobilisers and other things to stop the entire thing being stolen.