What does motorhome and caravan dealer insurance cover?
Liability and business insurance
Whether you’re a sole trader or have a team of employees, one dealership or a chain across the country, liability insurance is probably the most important covers you’ll need. We can provide public, product and employers’ liability insurance with flexible limits up to £10 million each. But with some insurers that’s it from them until renewal time, 12 months later. At Everywhen, we provide on-going support both face to face and via our suite of tools to help you understand and manage your risks, as your company grows and changes over time.
Insurance for your tools while in transit
Our tool insurance covers your equipment should it be stolen or accidentally damaged (excluding damage caused while the tool is in use). This includes when your tools are in transit to and from your worksite (within the distances stated in your policy). Some of our polices can also include losses overnight; talk to one of our advisers for details.
Exhibitions cover
We know that you need to cover your stock whilst at exhibitions and due to the high value of the units, you will need significant enhancements over a standard motor trade policy. After all it’s a vital part of generating new business and getting face time with new customers. That’s why our caravan and motorhome dealership policy gives £500,000 rising to £1,000,000 for enclosed exhibitions (NEC events for example). We can even visit you at the exhibition, free of charge, to discuss how best to assess and manage your risk and keep your customers safe by avoiding slips, trips and falls.
Seasonal adjustments for your stocks
Seasonality plays a big part in your industry, and that’s why we include a flexible adjustment to your stock cover allowing a 30% increase for a six month period of your choosing as standard. Likewise, if you perform repairs we also include a 30% increase on the cover of your customers' vehicles between November and February.
Unaccompanied motorhome test drive insurance
To aid you in convincing your client that a new motor home is for them, you can hand them the keys (following security checks etc.) and give them the opportunity to sell it to themselves with an extended trial period of 48 hours as standard. For those who would like to offer longer rentals/test drives we also issue this as a separate policy with no limit on trial period to help avoid claims being made on these sections affecting your main Road Risks Bonus.
