A motorhome is a big investment so a good insurance policy is essential. Learn the basics of motorhome insurance with our guide.
There are broadly eight types of motorhome body styles or classes, these being:
Some insurers will provide quotes for all motorhome body styles while others will be more selective over the type of vehicle they're willing to insure
Some insurers will provide quotes for all motorhome body styles while others will be more selective over the type of vehicle they're willing to insure.
As a general rule of thumb, most insurance companies will only insure professionally built motorhomes rather than DIY conversions or self-builds.
Some companies may also make a distinction between motorhome insurance and American RV insurance and therefore offer different policies for each.
As with car insurance, motorhome insurance is a legal requirement, insuring you against liability to others and, depending on the level of cover you select, it may also insure your motorhome against theft and at-fault damage. There are three main types of cover available:
This is the minimum level of cover required by law in the UK. It covers:
It does not cover you for accidental damage to your own vehicle, you will have to pay for that yourself.
This covers everything that third party only does, plus:
Comprehensive is the most extensive cover and includes everything third party fire and theft does, plus extra cover to insure your motorhome against at-fault damage.
To reflect the way that motorhomes are used, motorhome insurance policies have a special range of features and benefits which the insurer may include as standard on the policy, or offer as optional extras for an additional premium. These benefits and features typically include:
Insurance companies won't pay out for certain risks or some types of loss or damage. These are called exclusions and will be clearly set out in the terms of the policy
Remember: Before you buy always check the policy small print to see exactly what’s covered - that way you can be sure you are getting a sufficient level of cover for your needs. When you receive your policy documentation check that all the details are correct and if you have any queries or concerns contact your insurer at the earliest opportunity.
Insurance companies won't pay out for certain risks or some types of loss or damage. These are called exclusions and will be clearly set out in the terms of the policy.
Although exclusions will vary between insurers and policies there are some common exclusions on motorhome insurance policies, such as:
It will also be a condition of your policy that you do everything reasonably possible to protect your motorhome and failure to do so could invalidate a claim. Simple but effective precautions to protect against vehicle crime include:
Remember: If the information you give to your insurer is not correct it could invalidate your policy. You also need to tell your insurance company everything you believe to be relevant or important that may affect your policy.
An excess is a contribution you agree to pay towards any claim. The excess is split into two different types, compulsory excess and voluntary excess.
This is the amount your insurance company requires that you pay towards any claim made on your policy. Normally it is deducted from the settlement made to you.
This is the amount you agree to pay towards a claim in addition to the compulsory excess. You agree this at the start of the policy; the higher the excess the lower your premium will be.
Remember: If you do opt for a higher voluntary excess in order to lower your premium, always set it at a level that's affordable in the event that you do need to make a claim.
Some insurance companies will offer discounts on your premium if you improve the security of your motorhome by fitting an approved alarm, immobiliser or tracking device, or you are a member of a motorhome club or owners group. Other discounts include:
Some insurers will include European cover as standard, while others will offer European cover and European breakdown assistance as optional extras
If you plan on travelling in Europe your insurance policy should include European cover. This gives you the same level of insurance cover that you have in the UK when you travel within the European Union (EU).
Some insurers will include European cover as standard, while others will offer European cover and European breakdown assistance as optional extras.
If your trip takes you outside the EU then your insurer may be able to provide you with a green card (International Motor Insurance Certificate). A green card provides basic Road Traffic Act cover for driving abroad and is recognised in over 40 countries.
You can find the latest information on the green card system† on the Gov.uk website.
Remember: Some countries will confiscate your vehicle if you cannot provide the correct documentation. Always check with your insurer what countries are covered under the green card system.
Shopping around for quotes is the best way to get a policy that gives you the cover you want at the right price. By comparing policies by features as well as price you can make sure you have all the cover you want at a price that suits you.
The key point to remember is that the cheapest quote may not provide the right level of cover for your needs, meaning that - while you save money on your premium - you could be left out of pocket later on if you do need to make a claim.
By paying a little extra for your motorhome insurance it may be possible to secure better cover and therefore get better value for money.