Zefiro 685 Insurance

The Zefiro 685 is one of those motorhomes that manages to hit a sweet spot. Stylish without being showy. Practical without feeling plain. And let us be honest, it is a bit of a head-turner on the road. So if you own one, you will want insurance that is up to the job.

But what exactly does that look like? Well, that depends on where you go, what you pack, and how many gadgets you have managed to sneak into the cupboards.

A Little Wake-Up Call

I once parked next to a chap in the Lakes who had a nearly identical 685. We got chatting over tea (as you do), and he mentioned how he had to fork out for a brand-new reversing camera after a low branch got a bit too friendly. His insurer at the time had listed it as a luxury extra, not standard kit. Result? No payout.

He laughed about it, but you could tell it stung. And it made me check my own cover the moment I got back home.

Cover That Matters

You are not just insuring a van. You are protecting your weekends away, your summer adventures, and your home-on-wheels. So let us talk about what your policy should really include:

• Agreed value cover - So there is no arguing over market value if the worst should happen.
• Inside cover - Including kitchen units, integrated tech, and yes, the reversing camera.
• European travel - If you are heading across the Channel, make sure you are still covered.
• Breakdown assistance - Not just recovery, but roadside help too. A flat tyre in rural Wales can feel very far from home.
• Windscreen and window cover - The views are lovely until something cracks the glass.
• Personal belongings cover - Bikes, laptops, walking gear... it adds up fast.

Things to Watch Out For

Some insurers treat motorhomes like oversized cars. That is fine until you probably need to explain your water system, your solar setup, or your awning. Make sure the person on the other end of the phone knows the difference between a habitation door and a tailgate.

Also, check your mileage limits, especially if you like the long route. You do not want to find out halfway to the Highlands that you are 300 miles over your allowance.

Ask Around, Read Reviews

I always say the best advice comes from people who have had to claim. A shiny brochure means nothing if they go quiet the moment you probably need them. Look for real feedback, not just star ratings. Join a motorhome group, ask questions, and learn from other people’s misadventures. There are plenty of them.

Before You Head Off

Take the time to get quotes. Not just for the price, but for the cover itself. What is included? What is excluded? And how do they treat customers when things go sideways?

Your Zefiro 685 is more than just transport. It is part of how you travel, how you relax, and where you make memories. Insure it like you mean it.