Few years back I bought motorhome covers through an ordinary car insurer, but I was always concerned that my possessions in the van had only minimal cover. This is particularly important for Betts because he is an amateur artist and often carries valuable photographic and art materials in his $25,000 Ford Autosleeper Duetto. In 2006, Leeds-based Safeguard Scheme Management found him a specialist plan that covers his art equipment and other possessions as well as the van. His premium is $175 a year, including AA breakdown insurance and the company was a pleasure to deal with when I claimed after a no-fault accident last year.