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Believing the wrong myths about motorhome insurance can really cause you many problems. The last thing you want to do is to make important decisions based on myths. It is important that you choose the right policy to cover your vehicle and you need good information to help you make the right choice.
Purchasing a policy to protect your van is a big investment so you definitely need good information to help you make the right decision. To avoid believing the wrong information, here is a look at some of the big myths out there that you cannot afford to believe.
Myth #1 – Men Under Age 25 Pay the Most for Insurance
One of the big myths that people believe about motorhome insurance is that men that are under age 25 end up paying the most money for the insurance that they need. While it is definitely true that men younger than 25 end up paying higher rates than many other people, they do not pay the highest rates.
Actually, it is older senior citizens and teenagers that end up paying the most for the insurance that they need. The good news is that even if you are a male that is under the age of 25, you can find ways to lower your insurance rates. Certain discounts can apply to you to help you save and you can also compare among companies to find lower rates.
Myth #2 – Personal Insurance Covers Business Use
Another myth that is commonly believed about motorhome insurance is that personal cover will keep you covered when you use the vehicle for business use. This is not the case. If you are going to use your van for any kind of business use, you must make sure you tell your insurance company.
If you don’t get the right kind of cover to keep your covered when using the van for business use, the company may not cover you if you make a claim while using the vehicle for business. Any type of business use requires you to have the business cover, so make sure that you have the right cover to ensure you are covered.
Myth #3 – Your Credit Score Doesn’t Affect Your Rates
The idea that your credit score doesn’t affect your rates is another big myth about motorhome insurance that you definitely should not believe. The reality is that your credit score really does have an impact on what you have to pay for your insurance.
When a company offers you a quote, they take a look at your credit rating. If you have a low credit score, you’ll end up paying more for your insurance. However, a higher score may help you save some money. While this is only one factor that helps to determine your rates, it is an important factor to consider.
You may want to work to lower your credit score so you can enjoy lower rates.
These are only a few of the big myths out there that you may have heard about motorhome insurance. Knowing the truth behind these myths is definitely important. Learning as much as you can about van cover is important and can help you to make wise decisions when you are ready to make a purchase.