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  • Motorhome Insurance – Nine Golden Rules to Follow When Purchasing

    Your motorhome is probably the second most valuable asset you own after your house. But study after study has shown that a large percentage of owners are underinsured. This can have cost consequences if anything should happen to your motorhome.

    Follow these Nine Golden Rules when considering insurance for your motorhome or RV to make sure that you have the coverage that you need.

    1. Fully consider the risks that relate to when and where you use your motorhome. Motorhomes go to places that automobiles do not always go, such as campsites, river banks, forested areas. For instance, if you often park under trees then make sure you are protected from tree damage.
    2. Make sure there are adequate limits within the policy to cover the high costs of repair and towing. Will these be sufficient when you live five states away from the incident?
    3. Ensure you have adequate coverage for liability claims related to bodily injury and property damage. Liability claims are spiraling upwards every year. Is the coverage high enough to cover the potential liability? What coverage do you have on existing policies that might be applicable?
    4. Check that there is coverage for damage or loss of contents as well as for add-ons such as awnings. Contents and add-ons can be extremely expensive to replace. Check whether the policy is 'new for old' or 'replacement cost only'. With the former you will get the value of item if you were to buy it today while with the latter you will only get its replacement value – or what the item is worth.
    5. Investigate limits and conditions related to medical expenses, protection against other drivers and damage to your motorhome. Be sure that there is adequate coverage if you suffer damage caused by an uninsured third party.
    6. Choose a reputable insurance company that has a respectable claim-to-payout ratio. A company with a low ratio will probably mean that it is hard for you to make a successful claim. You also want an insurance company that is going to be around when it's time to pay out!
    7. Make sure you have flexibility in choosing a repair shop or that you are happy with the insurance company's choice. This will vary by state and county, so make sure you will be well represented if the worst happens.
    8. Check what general exceptions the company has in its policies. Compare these excluscies with policies from other companies so you can be confident in the policy you choose.
    9. Check for the level of incidental expenses allowed and that there is adequate provision for towing the motorhome back to base or providing alternative transportation.

    Follow these Nine Golden Rules to make sure that you have the insurance coverage you need on your motorhome. That way, you can really enjoy the carefree life of motorhoming without the worry of insurance over you!



    Source by Piers Crispin

  • How to Get a Motorhome For Sale at a Police Auction

    CLICK HERE to view LATEST POLICE AUCTIONS

    All across the country you will be able to find police auctions and seized auctions where you can bid on used motorhomes. many of these vehicles are won with a closing bid that is just a small fraction of the true value of the motorhome.

    A poplar type of auction is the Repo auction or repossessed auction. These auctions have a wide selection of vehicles on offer which have been repossessed due to foreclosure and need to be sold off as quickly as possible. The starting bids are normally very low indeed. Most of the vehicles are in good condition but occasionally you will find older models that need checking over more thoroughly beforehand.

    Another class of auction that is similar to the repossessed auctions is the police auction or seized auction. The vehicles up for auction here have all been confiscated by the authorities mostly due to being deemed as a result of illegal earnings. Most of these vehicles are in very good condition too.

    Police auctions and repossessed auctions don’t seem to be publicized very much and are principally attended by members of the trade. They are however open to the public. There are a few websites that contain details of upcoming police auctions and the vehicles which will be on offer. See the link at the end of this article.

    Here are some pointers to help you get the best deal possible at auction:

    Firstly you need to get very clear on the type of motorhome you will be bidding on before attending the auction. It is no good going to the auction to peruse different styles of RV. The viewing time at the auction should be spent intensively checking over every detail of any candidate vehicles. If you are not sure as to which RV is best for you then borrow or hire one for a few days to see how it goes and you will get a good idea as to the size and class of RV which will be best for you and your family.

    You need to spend a great deal of time scrutinizing any vehicle you intent to bid on. Examine the engine, the brakes, the underside, the bodywork , the roof, the heating, the electrics, the seating, the cupboards, the air conditioning and everything else. Don’t forget to enlist the help of your local mechanic friend too. Take notes of anything that needs repairing or replacing.

    Next you need to estimate a price. You should be aware of the general price bracket for the type of RV you are looking at and the age. Make sure you have the motorhome press with you and check out other similar vehicles that may be for sale there as a guide. Add to your price estimation the price of the repairs that you noted down before and there you have your value. This should be your absolute maximum bid as bidding higher would mean paying more than the vehicle is worth. In most cases the bidding will end well before reaching your valuation figure.



    Source by Barry Bushnell

    CLICK HERE to view LATEST POLICE AUCTIONS
  • Advantages And Disadvantages of Class C Motorhomes

    Advantages And Disadvantages of Class C Motorhomes

    A Class C motorhome is very easy to recognize as they most often have a section that folds out over the roof of the cab. They are very popular with weekend campers and vacationers for reasons that we will discuss later. They usually are shorter and somewhat smaller than most Class A motorhomes since they are built on more conventional truck frames. Here are is the short list of advantages and disadvantages of Class C RVs:

    Advantages:

    1. Price can be a great advantage as they generally cost far less than Class A motorhomes and a lot less than bus conversions.

    2. They are built to accommodate several people. Since they are a favorite of weekend travelers and vacationers, there is usually plenty of sleeping accommodations and that is one of the functions of that section that juts out over the cab roof, to provide another bed for sleeping.

    3. Because of being smaller they can fit into almost any campground or park very easily, so you have more choices of where you can stay at night. They also take going off-road much better than most other larger RV types.

    Disadvantages:

    1. They are built on a truck/van frame and so there is only so much weight that they can handle without getting overloaded. This will limit how much you can take with you on the trip. If you pack light this isn’t a problem, but with every person that you add on the trip, the load increases, so bear this in mind.

    2. If they aren’t packed properly, or if you buy one of the very long models, they can be more difficult to handle on the highway. Again, this is a weight issue that relates back to the frame size, so keep your weight ratio down and this may not present much of a problem.

    3. A good section of the unit’s length will be pretty useless as it involves the cab itself. So when considering actual living space, be sure to only count the area from the end of the cab backward.

    These are great RVs to rent and try out for a week or so to see how you like the RV lifestyle before actually committing to it long term. Generally, if you like staying in a Class C and can handle the little problems associated with it, you will most likely be very comfortable in a Class A or bus conversion motorhome. Class C RVs can be rented almost anywhere, so why not give them a try and see if taking your home on the road with you is your cup of tea.



    Source by Jim Johnson

  • Choose Clarion Motorhome And Get The Best For Your Money

    Choose Clarion Motorhome And Get The Best For Your Money

    There are many choices out there today in used motorhomes and that can make it hard to know where to start for finding the best recreational vehicle for you and your family. Since the Clarion motorhome industry turned into what is considered to be an orphan company in 1992 there are only used Clarion motorhomes for purchasing but with the motorhome being built of high quality, a used version of the brand is well worth the investment. Another plus is that being a used motorhome, you will have a good savings price wise.

    The Clarion industry was known for many different sizes and styles. The smallest was the caravan van camper and the largest was the Class A luxury motorhome. The Caravan Van was a van and camper combination containing the bare necessities for a few days away from home. With a full body fiberglass exterior and well insulated back end. There is a small sink area, storage space and comfortable bed for two. The Class A motorhomes was the most luxurious of the line and has all of the comforts, quality and added amenities during the time of being built. There are several motorhome classes and sizes in between to choose from of these discontinued motorhomes.

    Even though the Clarion Corporation ended their productions of all their motorhomes and campers in 1992, the brand of used motorhomes are still strong in recreational vehicle sales today. With only using the highest quality of building materials and the best of engine efficiency, these motorhomes and campers will satiate your needs of what a used recreational vehicle should be.

    Even though the Clarion Corporation built the work horses of recreational vehicles, overtime some work may need to be done. Finding parts for any motorhome out is still not hard to do. Parts and services can be found on the many Internet sites out there or by calling your local recreational vehicle sales lots and parts yards.

    There are many places to still buy these recreational vehicles. Used campers and motorhomes are a great way to purchase for first time buyers because of being able to explore your family’s wants and needs when out there on the road, without spending a small fortune on a brand new model. Clarion motorhomes are also great investments for those want to make the inside of their recreational vehicle personal. Redesigning inside of your motorhome is easy to do yourself or have someone else personally modify for you!



    Source by Keggy Ambrose

  • Motorhomes For Sale At Auctions

    Motorhomes For Sale At Auctions

    CLICK HERE to View Latest Police Auctions

    When looking for motorhomes for sale the best deals can often be found by purchasing at an auction. A popular type of auction at the moment is the police auction or designated vehicle auction. At these auctions you can find vehicles that have been repossessed due to non payment, confiscated for a number of legal reasons or you might find used police vehicles that have been recently de-commissioned.

    As with any form of buying second hand vehicles there is a certain amount of risk involved when it comes to buying at an auctions. There are those who will say that the element of risk is higher when buying at auctions which may be true but this is always off set by the fact that the vehicles can be obtained at a very low price. With a little forethought ad care you can greatly reduce the chances of having a bad experience.

    To start with you should get to the auction as early as you can and take a good look over any motorhomes you intend to bid on. Take with you a mechanical to check over the mechanical side of the vehicle for you.

    Due diligence should be taken and vehicle checks should be ensured by you where ever possible. Do VIN number checks and also check that the VIN number matches all of the paperwork.

    An obvious but important to point to make here is on the actual bidding. It sounds a little obvious but it is actually extremely easy to get carried away and bid over the odds for a vehicle that you have your eye on. Prices will start very low but can soon be inflated by under experienced bidders.

    There are a few points to consider:

    You should have the maximum price you will pay for the vehicle firmly set and do not bid over this amount under any circumstance.

    You should arrive at this figure by taking the value of the vehicle and adding to this the 10% commission you will have to pay to the auction house and also the cost of any repairs or modifications you will have to do to the vehicle.

    Note:

    To find the cost of the vehicle you will not be able to rely upon the prices quoted in the blue book or nada guides. These serve as a general guide and are based on the year and condition of the vehicle. The price of motorhomes is however extremely variable dependent upon the condition of the living space and the amount of fittings and extras that are included. The only sure way to get the approximate value of a motorhome is by checking out the press and motorhome magazines for vehicles of similar specifications and condition and basing your own pricing on that.

    At our website we have an online for buyers of motorhomes so you will know what to look over when you are examining the motorhome you are thinking of buying. There is also the RV Buyers Guide which shows you exactly how to spot all of the little hidden secrets that a reconditioned camper of motorhome might be hiding.

    For a database of police auctions and designated vehicle auctions check out the closed
    auction site where you can find many motorhomes for sale.

    Source by Barry Bushnell

    CLICK HERE to View Latest Police Auctions

  • Children and Motorhomes

    Have you ever noticed how children love motorhomes, caravans or camping? Whenever a child comes either to collect our motorhome for hire or is staying with us in our motorhome they are simply in heaven. Whatever it is the miniature 'Doll's House' scenario, everything you need to live in such a small space, I'm not sure. For families motor homing is a reasonably priced way to spend time together and live an outdoor lifestyle with a lot of creature comforts.

    For us, the over cab bed is always a hit with children, something about having to climb a ladder to bed (like bunk beds) and the fact the view is so high (when otherwise, sometimes, children's' visual perspective on life is at a much lower level). The fact they have their own private space – with their own light and curtained privacy, I do not know, but of course the clip up 'safety net' which ensures that both the children and parents feel safer and no accidents.

    When we were children and my brother slept on his single hammock bed (something which drew much envy from me), my parents always had to tie a loose strap around his middle to stop him turning over in his sleep too enthusiastically and then flipping himself out of bed – no such problems with the safety net.

    At the moment my friend and I are thinking what to do at October half term as 8 year old Anna is desperate to have a trip in the motorhome after her Mum and I went to Yorkshire two years ago in the motorhome to the 21st birthday of one of our Godchildren. I think the arrival of both of us in a motorhome after so long has gone down in family folklore to be retold on numerous occasions in the future.

    Apart from the appeal of motorhome living compared to hotels, the outdoor lifestyle is ideal for children. Most campsites have play areas, they can run around, often taking their bikes and meet and play with new friends in a pretty safe environment – the battle is usually getting them to come in to eat or at night to go to bed and I don ' t remember it being any different when we were children either.

    So for parents or grandparent's motor homing provides a comfortable environment for a family holiday whether wet or cold some days, and for children it's a holiday of adventure and freedom to explore new surroundings with new friends and they simply love it!



    Source by Faith Corvera