Motorhome insurance

Your motorhome can transform your approach to your leisure time and your holidays. It gives you freedom and flexibility, allows to you be spontaneous and encourages you to be adventurous. You can go pretty much where you want, when you want, with all (or nearly all!) the comforts of home along for the ride.

As with any motor vehicle, insurance is essential for your motorhome. And because a motorhome is a specialist vehicle, it needs specialist protection.

Read our guide to motorhome insurance

  • Find out why you need cover all year round
  • Types and levels of motorhome insurance cover
  • Cover for contents
  • Cover on the Continent

MoneySuperMarket doesn't offer a comparison service for this type of product but we have compiled a list below of insurers who can help.

Motorhome insurance providers/products

    • Provider/Product name Caravan Insurance

      Cover4Caravans

      Caravan Insurance

    • Description

      Established in 1946, Cover4Caravans is a caravan insurance broker dedicated to finding you low cost cover for tourers, statics & park homes. Policy benefits include no age restrictions for younger or older caravanners, free continental cover up to 280 days, new for old etc. Premiums start from just £53 inc. IPT for tourers, £68.90 inc. IPT for statics & £106 inc. IPT for park homes.

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    • Provider/Product name Caravan Insurance

      E&L

      Caravan Insurance

    • Description

      Take the worry out of your travels with E&L's caravan insurance - providing cover for both your caravan and your family. Our range of packages are comprehensive giving you more choice yet still great value. Our benefits include 260 days European cover, new for old cover up to five years, driver cover and cover for accommodation costs incurred following an incident.

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    • Provider/Product name Caravan Insurance

      Insurance4mycaravan

      Caravan Insurance

    • Description

      A caravan gives you freedom to roam near and far - but what happens if something goes wrong? www.Insurance4mycaravan.co.uk can cover both your home-on-the-road and you for inconvenient costs that may arise if disaster strikes. With policies available for touring and static caravans they offer up to 50% introductory discount and great benefits like new for old cover for caravans up to six years old.

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    • Provider/Product name Caravan Insurance

      Peacock Insurance

      Caravan Insurance

    • Description

      Compare tourer and static caravan insurance quotes online from a panel of insurers. Instant quote and buy online. Tourer caravan cover can include up to five years new for old, European breakdown cover and more. Tailor your policy to suit your own needs and budget. Static caravans can benefit from a no claims discount. Find out more about additional policy discounts and benefits.

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    • Provider/Product name Caravan Insurance

      Intasure

      Caravan Insurance

    • Description

      Static home insurance, Intasure provides cover for the following: up to £5m public & employers liability, very important if your let your static home. No inspection clauses. Loss of rent following a claim. A sensible approach to security requirements, with the option of payment by monthly Direct Debit. Get a quote now, you could save up to 40%.

    • Go to site

Our Guide to motorhome insurance provides you with all you need to know about sorting out the best policy and the best possible price.

Legal obligations

It's likely that you don't drive your motorhome all year round. But that doesn't mean it doesn't need year-round motorhome insurance! As part of official Continuous Insurance Enforcement (CIE) rules, it is now a legal requirement for registered vehicle keepers to insure their vehicle at all times - even if it is parked on your drive or in a garage for weeks or months on end.

The only way you can keep a motorhome which isn't covered by a motorhome insurance policy is to notify the DVLA that your vehicle is being kept off the road by means of a Statutory off Road Notice (SORN), which you have to send to them along with your tax disc.

The DVLA works in partnership with the Motor Insurance Bureau to identify uninsured vehicles by comparing DVLA vehicle records against those held on the Motor Insurance Database (MID). 

If, as the registered keeper of a motorhome, you don't have appropriate motorhome insurance, you will be sent an Insurance Advisory Letter (IAL) telling you that your vehicle appears to be uninsured and warning you that you will be fined unless you take action. 

If you fail to comply with the advice set out in the letter you will face:

  • a fixed penalty notice of £100
  • your vehicle being clamped, seized and disposed of
  • a court prosecution with a maximum fine of £1,000

These new measures are in addition to the powers the police already have to seize an uninsured vehicle and fine the driver.

Types of cover

As with normal car insurance, there are three levels of motorhome insurance cover:

  • Third party only - the minimum required by law. Covers you in case you cause injury to others or damage to others' property
  • Third party fire and theft (TPF&T)- cover as with third party only, plus cover for fire damage and theft of your motorhome
  • Comprehensive - the cover provided by TPF&T insurance plus cover for damage to your own motorhome in an accident where you are at fault.

Motorhome insurance policies also match normal car insurance in that they include features such as a compulsory and voluntary excess (the amounts you pay towards any claim you make) and a no claims discount (which rewards you with an increasing percentage discount off your premium for each your you do not make a claim).

Types of motorhome insurance

When choosing motorhome insurance, check that the policy extends to your type of vehicle. For example, is your motorhome a conversion or a camper van? Does it have an overcab or is it low profile? Look out for the motorhome insurance policy specifications and make sure they meet your needs.

Contents cover

The beauty of a motorhome is that it is like a home from home - equipped and furnished with your own belongings. But the more equipment and other items you bring on board, the more tempting it becomes to thieves. So it makes good sense to have contents insurance as part of your motorhome insurance.

Not every motorhome insurance policy includes this cover. And even when it does, you may have to build the level and scope of protection you require - making reference to the value of cover and the types of items you want to include.

Going overseas?

If you take your motorhome to the Continent, you'll need a motorhome insurance policy that includes European cover - and you'll need to check it extends to the territories you are planning both to visit and to travel through en route. You'll also need a European breakdown cover policy in car your motorhome gets into mechanical bother while you're away. 

Annual mileage

Your motorhome insurance policy might include a mileage cap, or offer a choice of caps on the number of miles you can drive each year.  The more miles you drive, the higher the premium is likely to be because the more time you spend on the road, the greater the risk of you being involved in an accident.

For this reason, you should choose the lowest cap possible to reduce the price - but be realistic as you might encounter problems if you exceed the stated limit and then have to make a claim.

Policy extras

Policies often include (or offer) extra benefits such as a courtesy car or legal expenses protection. If you do not want to pay for these, you can strip them out of the policy before you buy - or, if that's not possible, choose a motorhome insurance policy that provides a more basic package.

Shop around!

To get the right motorhome insurance policy at the best price, it is recommended that you shop around among the various specialist motorhome insurance providers.

And remember - you need to do this every year at renewal time. Motorhome insurers, like car insurers, tend to reserve their best prices for new rather than existing customers.

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