I read in Insurance Times recently that the financial Ombudsman had decreed that it would, in certain circumstances, back a policyholder against an insurer excluding claims for leaving keys in or near a car. I can’t help but wonder if the same would apply for a motor home. As an insurance broker, I almost feel that this story is not one to publicise.

So the family and I had rather a late night in our motorhome playing cards and so we were all quite tired when we eventually turned in for the night, meaning that the next morning we were already late for our arranged meeting with our friends and fellow motor-homers the Wilsons. Then came the usual morning commotion, the queue for the shower and the breakfast rush, then by the time we were ready to leave our friends had decided to explore the countryside without us.

I then realised I had no idea where the keys were so I looked for them, and couldn’t find them. My family then joined in the search and in my usual calm and patient manner I accused each family member of stealing them, then moved on to accusations of half-hearted searching before finally accepting my son’s version of events which was that aliens must have come from mars and stolen the keys to our motorhome. So I then went to the cab to get my mobile so I could call my insurance company for help. I was stranded in a field with a grumpy family and to make matters worse, it was about to rain.

There in the middle of the cab, sitting next to my phone, were the keys! I couldn’t believe that I’d left the keys to my beloved motorhome in the cab. Being an insurance man I couldn’t help but wonder if my motorhome would have been insured if it had been stolen under those circumstances. And so my mind drifted back to the Insurance Times article.

If my motorhome had been a car the ombudsman would have considered

Location

Was I in a position to deter a thief

Was I recklessly ignoring the risks

Mitigating factors

Whether I knew about the exclusion in the insurance policy

I would like to think I would have been given this kind of consideration as well with my motorhome. I would say you have a much higher chance of getting a comprehensive insurance deal to cover any situation if you go through an insurance broker.

For a class leading service in motorhome insurance contact Coversure. Their motorhome insurance is unmatched by other companies and you’ll leave with the peace of mind that you’re covered. Visit the Uber Article Directory to get a totally unique version of this article for reprint.