Compare Cheap Motorhome Insurance Quotes

What is motorhome insurance?

Motorhome insurance is designed to protect you financially if something were to happen to your motorhome. A comprehensive motorhome insurance can help you if:

You or your passengers are injured while driving
You accidentally damage someone's property with your vehicle
You're involved in a collision and need to cover the cost of repairs
Your motorhome is broken into at night
Your motorhome catches fire

Personal circumstances

Details about yourself, such as your age, driving experience, no-claims discount, and job make a major difference to the cost of motorhome insurance
Type of motorhome

Motorhomes come in many shapes and sizes, and the larger and more expensive yours is to repair, the more your insurance will be
Where you live

Insurers assess every postcode in the country for its level of crime, so living in a quieter, safer area should cut your premiums
The security you use

Vehicles parked off the street or in a garage tend to be cheaper to insure, and security features like alarms and immobilisers also help
Annual mileage

Driving more miles each year can bump up your premiums as the risk of an incident increases, but you should try to estimate as accurately as possible, so you don’t risk invalidating your policy
Access to other vehicles

Having access to a second vehicle makes it less likely you’ll use your motorhome for smaller journeys, such as commuting, which will reduce your premiums
Additional drivers

Adding an additional driver to your policy could even reduce the cost of insurance, especially if they are an experienced driver with a clean driving history
Your policy options

The type of policy you choose – either third party, fire and theft or third party only – will affect your premiums as well as your voluntary excess and add-ons

Fully comprehensive

A fully comprehensive insurance policy covers damage, repairs, medical expenses, fire damage and theft, as well as damage done to someone else, their vehicle or their property
Third-party, fire and theft

Third-party, fire and theft policies offer cover for other people, their vehicles and their property, as well as protection for your own vehicle if it's stolen or damaged by fire
Third-party only

Third-party only is the least comprehensive level of cover, and the minimum legal requirement you must meet to drive on UK roads. It will only cover injury to someone else or damage to someone else's property

Social only (SD&P)

This covers day-to-day driving like shopping trips, drives to visit friends and long-distance trips that aren't related to work
Social including commuting

This covers you for everything SD&P does, and also covers your commute to work - as long as you only travel to a single location
Business use

This covers work journeys beyond a daily commute, including multiple work sites, visits to clients at home and other commercial activity

Use abroad

Some insurers will cover your motorhome for trips out of the British Isles, but it may cost extra with others. Always check with your insurer before you travel
Wear and tear

Most insurance policies have standard wear-and-tear clauses, so you can't claim for damage to your motorhome or its interroir that's simply the result of everyday use or age
Mechanical or electrical breakdown

As with all motor vehicles, you need to pay for separate breakdown cover if you want to cover standard mechanical or electrical faults
Damage caused by animals or pests

Motorhome insurance doesn't cover any damages that are made by pests, insects, or animals. This includes damage caused by pets, insects, wild animals, or rodents
Using the motorhome as your primary residence

If you live in the vehicle full-time, you may not find cover with most motorhome insurance companies. One reason for this is because you are more likely to store valuable belongings in the vehicle which may be vulnerable to theft. Be transparent with your provider if you plan to live in your motorhome
Damage or loss due to negligence

You won't be able to claim for theft or loss if the vehicle or its contents are stolen because you've left it unlocked, left a window open, or left the keys in the ignition. Insurance companies require you to take reasonable steps to secure your motorhome

Our expert says…

It is a legal requirement to insure your motorhome – much like any other vehicle on the road – but standard car or van insurance won't cover it. You need a specialist motorhome insurance policy to cover a motorhome if you haven't declared it off the road. You also need to declare to your insurance company if you use your motorhome for business, otherwise you may invalidate your cover.

Sara Newell Motor & Home Insurance Expert

Motorhomes cannot be insured with a van insurance policy. Motorhomes and vans serve very different purposes, so each of them needs their own insurance. Van insurance policies have a choice of add-ons and policy types that are specific to vans, such as haulage cover, courier cover, or fleet cover for businesses. The cost of insurance for vans and motorhomes is also different because the risks they're exposed to are different.

Motorhomes are also distinct from caravans, which do not legally require a separate insurance policy to be used. Because motorhomes can travel without being towed, they are classed as road vehicles and it is a legal requirement to have insurance for them, like every other motor vehicle. Caravans, on the other hand, don't need always need a separate caravan insurance policy.

Pay for your cover annually

Paying annually for your motorhome insurance typically works out cheaper than paying by monthly instalments
Build up a no-claims discount

If you don’t make a claim on your motorhome insurance you can build your no-claims discount over time and see your premiums reduce
Improve security

Upgrading your alarm system and adding a tracking device will give insurers more confidence that your vehicle won’t be stolen
Limit your mileage

Driving fewer miles may reduce your premium slightly. But this can be checked, so you must be honest with your insurer
Safe storage

Premiums may reduce if your vehicle is stored in a locked garage or kept on a Caravan Storage Site Owners’ Association (CASSOA) registered site
Advanced driving qualifications

Helps to show your insurer that you’re a safe driver and could be less likely to have an accident
Join a club

As well as many other benefits, motorhome owners clubs often offer discounts to members that you can take advantage of
Shop around

By comparing motorhome insurance quotes online, you can make sure you won’t miss out on the best deals and find yourself a great value policy

It doesn’t take long

Pop in a few details about yourself, your motorhome, and any extra cover that you might need
We’ll search for savings

We’ll scour the market to find you our cheapest motorhome insurance that offers the cover you need
Choose your policy

Pick the provider that suits you best and buy online or over the phone, then relax knowing you’re covered

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Guides and expert tips

What is classed as a motorhome or campervan?

A motorhome or a campervan is a recreational vehicle (RV) which offers mobile living accommodation and which has an engine and can be driven around on its own.

Motorhomes are specifically designed to live in while on the road, with spacious sleeping areas and dedicated cooking and even washing facilities. Campervans tend to be smaller and provide more basic options.

Motorhomes are distinct from caravans, which can only move if they are being towed. Different types of motorhomes are available, including coach-built motorhomes that tend to be taller and more spacious than van conversions or self-built motorhomes.

If you’re looking for campervan insurance, you may be able to insure smaller campervans on regular car insurance or van insurance – but if you do this, you miss out on certain features you get with dedicated motorhome insurance.

Can I drive a motorhome on my car insurance?

Generally speaking, motorhomes are not usually used like regular cars, and most insurers will require you to buy dedicated insurance for them. Think of your motorhome like a house - it will require different coverage than a normal car. Certain insurers might let you take out a standard car insurance policy on a smaller motorhome, but the larger the vehicle is, the more likely you are to need specialised motorhome insurance.

Does my home contents insurance cover items in my motorhome?

Certain more comprehensive home insurance policies might cover the items in your motorhome or camper - especially if you have out-of-home cover. However, you'd have to list them on your policy, and even then not everything might be covered.

Home insurance won't usually cover household items that live in your motorhome full-time, including things like TVs, bedding and dishes. These can be covered on a dedicated motorhome insurance policy.

Does motorhome insurance cover trips to foreign countries?

Certain motorhome insurance policies come with limited cover for trips abroad, but others don't as standard. It's best to specify your needs when you buy.

For one-off trips outside the UK, you might need to buy a separate travel insurance policy, specifying that you'll be travelling in a motorhome. Travel insurance will only cover individuals and not vehicles, so you may need to find specific insurance cover for your motorhome overseas. If you're travelling to Europe, you might also want to consider taking out breakdown cover, which will ensure you have help available if your motorhome breaks down while you're abroad.

Do I need a special license to drive a motorhome?

Whether or not you can drive a motorhome on your regular driving license relies on two factors: the weight of the vehicle, and when you qualified for your license.

If you passed your driving test before 1 January 1997, you are automatically entitled to drive vehicles in category C1 - those which weigh between 3,500kg and 7,500kg. This means you are allowed to drive most motorhomes without a special license.

Anyone who passed their driving test in 1997 or later is entitled to drive vehicles in categories B and B1. This means you are allowed to drive a vehicle that weighs up to 3,500kg, with a trailer weighing up to 750kg behind you.

Many smaller motorhomes are designed to weigh less than 3,500kg for this reason, but people who qualified to drive in 1997 or after need to pass an entry-level HGV license to drive larger models of motorhome.

Is motorhome insurance a legal requirement?

Motorhome insurance is a legal requirement if you want to drive your motorhome on public roads anywhere in Britain. If you keep your motorhome off the road permanently, you can declare this to the DVLA with a SORN and waive insurance. You will need to buy insurance if you later want to drive on public roads.

Can I add an additional driver to my motorhome insurance policy?

Many insurers will allow you to add additional drivers to your motorhome insurance policy, provided they have the right driving license and qualifications. This can be temporary or permanent. Check with your insurer to find out more.

Can you get any motorhome insurance extras?

Yes, depending on the motorhome insurance policy you choose, you are likely to be able to add additional policy features.

These might include cover for personal belongings or windscreen cover, for example. Or if you are planning on travelling to Europe or even further afield you might need to get extended European cover for the time you’ll be away.

First check what is listed as standard with your policy and then decide what extra features you want and how much they will add to your premium.

How do I estimate mileage?

Estimating your mileage isn’t always straightforward if you’re unsure exactly how much you’ll be driving your motorhome. However, you should have some idea of what you plan to use it for and how often you’ll be using it. Use this as a benchmark, remembering to factor in any long trips you have in mind for the UK summer, for example. If you find you are driving it far more than you originally thought, contact your insurer to let them know as it could affect your cover.

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