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What is motorhome insurance?
Motorhome insurance is an insurance policy that can help protect your motorhome when it’s on the road or parked. It can cover you for risks such as accidental damage, fire, theft, and damage caused by third-parties (other people).
Additionally, should you require them, it may also be possible to add-on other benefits such as European cover, breakdown assistance, and contents cover for the personal belongings in your motorhome.
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You tell us details about yourself and what you’re looking to insure
We provide instant quotes from a panel of top UK insurers
You choose the policy you want, buy it, and job done!
Why compare quotes with us?
It’s tempting to stick with the same insurer every year, but without having a look around the market you have no way of knowing whether your renewal price is competitive or not. That means you could be paying more than you need to for your insurance.
No one wants to spend hours phoning different companies, going through the same information again and again, only to find out that the first insurer you phoned had the cheapest price – which is where we come in. When you compare quotes with The Motorhome Insurer you only have to provide your details once and we do the rest of the hard work for you.
Looking for your insurance with The Motorhome Insurer could save you time and money.
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What level of cover do I need for a motorhome?
What is classed as a motorhome?
Motorhomes are recreational vehicles designed for living in comfortably and travelling from place to place.
They can be very large (such as those categorised as Class A) or much smaller (Class B), such as campervans which are similar in size to typical vans that builders or other tradesmen might use. A vehicle must meet specific criteria to be considered a motorhome, however.
The difference between motorhomes and campervans
Motorhome and campervan are terms often used interchangeably, but the two have some key differences.
A motorhome is a self-contained recreational vehicle that doubles as living accommodation. Motorhomes typically offer more space than campervans, with many models having a separate bedroom area and extensive kitchen and bathroom facilities.
Campervans are smaller, more compact vehicles, often built on a standard van chassis. They provide great manoeuvrability for the driver and are easier to park, making them popular with those who prefer a minimalist on-the-road lifestyle.
The more you’re out on the road, the greater the chance of being involved in an accident. That’s why a higher annual mileage can increase how much you pay for motorhome insurance.
Finding cheap insurance coverage for your vehicle may be more challenging if you use your campervan for regular commuting and normal living. However, only driving your motorhome when taking trips or at weekends could open you to a range of cheaper insurance policies.
By avoiding making any claims on your policy, you can earn a no-claims discount on your insurance premiums. The discount usually increases with each consecutive year you go without a claim and could make a substantial saving on your annual premium.
Historic or modified motorhomes could be more costly to repair or replace. Modifications may alter your vehicle's performance, handling or safety features, which insurers could see as increasing the risk of accidents or claims.
Being a motorhome or caravanning club member may get you a discount on your insurance premium. You will have to provide the chosen insurer with proof of membership.
The main types of motorhome insurance usage
Social, Domestic and Pleasure (SD&P)
SD&P covers motorhomes solely used for social, domestic, and pleasure purposes, such as family holidays or weekend trips. It does not cover the motorhome for business-related activities, including your daily commute or any commercial use.
Social Including Commuting
Social including commuting coverage is ideal for those who use their motorhome as a mode of transportation to and from one place of work in addition to using it for general social purposes including trips away from home.
Business Use
As well as for social and commuting purposes, business use covers motorhomes used for business or commercial purposes, such as transporting goods or equipment, visiting clients, or journeys beyond just your commute to work.
How to try and reduce the cost of your motorhome insurance quote
What motorhome insurance add-ons can I choose?
Breakdown Cover & Roadside Repairs: This provides assistance if your motorhome breaks down while you're on the road and can cover towing and repairs.
European Cover: This insures your vehicle for any trips outside the UK to Europe, and may include breakdown and emergency assistance abroad too.
Legal Expenses Cover: This may help cover any legal expenses that arise from an accident involving your motorhome.
This covers personal belongings in your motorhome, such as clothing, electronics, and camping equipment.
This covers damage to awnings or other equipment attached to your motorhome, such as satellite dishes or bike racks.
This covers the cost of repairing or replacing your motorhome's windscreen in case it is damaged.
Motorhome insurance FAQs
Yes, to use your motorhome on public roads in the UK you are required to have valid insurance in place.
If your motorhome is found to be uninsured, you could face a fixed penalty notice and points on your driving licence.
In more serious cases, you could be taken to court, fined, and even receive a driving ban. You could also face personal liability for any damages or injuries caused in an accident while driving uninsured.
No, you must purchase specialist insurance for your motorhome. Motorhomes are very different to cars and so require proper insurance coverage designed just for them.
Contents insurance covers your personal belongings and any household items that are lost, damaged or stolen from your motorhome.
Assets such as your clothes, furniture, technology (televisions, computers, laptops), kitchen appliances (fridge, cooker), and jewellery (possibly subject to certain limits on value) can be included in this coverage. However, if you own a property and have home insurance, you might be able to combine your contents coverage and home insurance rather than taking out two policies. It’s a good idea to check your cover with your home insurance provider to make sure it meets your needs.
Whether or not you are covered when travelling abroad typically depends on the specific policy you have purchased. Review your policy documents or speak to your insurance provider to understand what coverage is included for trips abroad.
Some motorhome insurance policies may include coverage for international travel, while others may only provide coverage within your home country. The extent of coverage may also vary depending on the destination and length of your trip.
Assess your coverage limits and ensure your policy provides adequate protection for your trip, including third-party liability coverage and coverage for damage to your motorhome.
Usually, yes. Most motorhome policies allow you to add between one to three additional drivers. However, they must meet specific criteria, such as being over the legal driving age and holding a valid, in-date UK driving licence.
It’s important to note that the cost of your insurance may rise when you add additional drivers.
To determine your annual mileage, calculate your weekly driving distance and multiply that by 52. Consider any occasional long trips you make, like summer holidays or road trips: these journeys can accumulate significant mileage even if you only use your motorhome for vacations.
A standard category B licence is sufficient for motorhomes weighing up to 3,500kg.
However, if your motorhome weighs more, you'll need a C1 licence, which requires passing a separate driving test, including a practical and theory test.
If you obtained your licence after January 1997, you should take an additional test to add the C1 category. Remembering that driving regulations may vary when travelling outside the UK is crucial.
You can usually save money on your motorhome insurance by shopping around. Don't settle for the first insurance quote you are given: take the time to compare policies and prices from different insurers to find the best deal for your needs.
Consider raising your voluntary excess to lower your insurance premium. Just remember that you'll need to pay this amount in the event of a claim and so it should be affordable for you.
Or, you could fit your motorhome with security features like an alarm or immobiliser to help reduce the theft risk and potentially lower your insurance premium.
The cost of motorhome insurance can vary depending on several factors, including the type of motorhome you own, your driving history, your age and experience, where you live and what you use the vehicle for.
The best way to get an idea of cost is to compare quotes from different insurers.
