As with all insurance products, the most important procedure is the shopping around part. You may have a brand new vehicle and intend only traveling within the UK on short trips. Therefore, you would not necessarily need the same cover as a driver who takes his old motor home on trips, including business, from one end of the country and abroad.

Many insurers feel that most motor home drivers are not going to race around the streets causing accidents and driving dangerously and price their annual premiums accordingly. What you will need is a policy that does not limit your mileage if you intend to travel extensively or one that offers a 'New for Old' benefit if your vehicle is under 3 years old.

If you have converted the van yourself you should look for an insurer that recognises this and will insure you although you will need to be able to produce an engineers report. As with all motor vehicles, your insurer will look to see that you have added additional security to include an alarm or immobiliser and that the motor home is safely parked.

If you are looking for a fully comprehensive policy for holiday and leisure purposes, these are the types of benefits to look for;

• 24 hour accident report line with 24 hour recovery
• Windscreen replacement and no effects on no claims bonus
• Cover for awnings and gas bottles
• Cost of temporary accommodation if motor home is damaged and made uninhabitable
• Cover of personal effects (£2,000)
• £60 excess
• No mileage limit
• Personal accident benefit (£5,000)
• Damage caused by gas explosion
• Legal fees
• Protected bonus cover
• European breakdown assistance