Motorhome insurance covers your motorhome when it’s parked up or out on the road. Just like car insurance, a comprehensive policy covers:
Comprehensive is the highest level of motorhome insurance you can get. It usually protects the camper’s contents, including expensive camping gear and personal possessions that make your van feel like home, or you can get personal possessions cover as an add-on.
You can also get third party theft and fire (TPTF) and third party only (TPO) policies. The quotes might be more affordable than comprehensive - depending on your driving history and situation - but you’ll have to pay for some or all of your repairs if you claim.
It’s worth comparing all three types of cover to make sure you get the right policy at the right price.
Depending on the policy, you may also be covered for driving abroad if you’re going camping in Europe.
A motorhome is a vehicle that’s used for transport and living accommodation and can range from larger vehicles, like A-class, to smaller models including self-built motorhomes or coach-built vehicles.
Motorhomes are large and have clearly defined areas for living and driving, with permanent fixtures like sinks and cupboards. There’s also space for sleeping. They’re designed for travelling around the country.
Campervans tend to be smaller with basic facilities for sleeping and cooking.
When it comes to insurance there’s one big difference - a campervan can be covered by car or van insurance depending on its specifications, but motorhomes are defined as a motor caravan by the DVLA and need a specialist policy.
When we help you to compare quotes, we use your motorhomes’ registration number to confirm it’s a motorhome and get you the right cover.
When you get quotes for motorhome insurance, there are three levels of cover to choose from:
You’re protected going to and from a single place of work.
You’re still covered for commuting to your place of work, plus business meetings and events held elsewhere.
Non-business trips are covered, like the school run, shopping, trips out with the family and going camping, but you couldn’t use the motorhome to go to work.
Cost of motorhome insurance depends on factors, like:
Keeping your annual mileage below a pre-agreed limit can mean substantial savings on your premiums.
You might have to sign a declaration stating how many miles your vehicle’s done at the start of the policy or send a photograph of your odometer to the insurer.
If your camper is the only vehicle in your life and you use it for daily driving and commuting, as well as for your holidays, then it’s likely to be more expensive and difficult to cover.
If you leave your motorhome on its parking spot for weeks at a time and only get behind the wheel for leisure use, you could be spoilt for choice with a range of cheaper policies from providers specialising in this type of cover.
A few years of claim-free driving can substantially reduce your premiums.
Your no-claims history doesn’t need to have been earned on a motorhome - most insurers will let you use a no-claims history earned on a car, so long as it’s not already in use on another vehicle.
From historic converted VW buses to quirky micro-campers adapted from large cars, it can be trickier to find cover for modifications or anything less than standard.
Our panel of insurers includes providers that specialise in these sorts of vehicles, so you’ll still be able to find cover.
Being a member of a camping club or association can get you a discount on your premium, but you’ll have to provide the insurer with proof that you’re a member.
The Caravan and Motorhome Club has one million members and offers driving safety courses that might net you a further discount.
Yes, it’s a legal requirement to have insurance for your motorhome.
The cost of motorhome insurance depends on things like the vehicle’s age, type and size as well as the owner’s personal details and whether you have a no claims bonus.
To get an idea of how much it’d cost to insure your motorhome, compare quotes now.
No. Motorhomes aren’t used in the same way as cars, for instance staying in the vehicle overnight or cooking in it, so they carry a very different set of risks that need specialist insurance.
Work out the number of miles you drive in a typical week and multiply this by 52. Add on any infrequent long trips you make, like holidays.
Of course, if you only use your motorhome on holiday you only need to consider those occasional trips – just remember, a two-week European jaunt could rack up considerable mileage.
You can opt for third-party only, third-party, fire and theft or comprehensive insurance, but only the latter will cover your vehicle for collision damage. Comprehensive policies might also include cover for things like arranging to get you, your vehicle and your possessions home if your motorhome’s badly damaged or written off.
Cover does vary though, so check your documents carefully, particularly if you’re venturing abroad – you don’t want to end up trying to get your camper towed home somewhere you don’t speak the language.
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