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Motorhome insurance

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What is motorhome insurance?

Motorhome insurance is designed to protect you financially if something were to happen to your motorhome. This could be anything from injuries or property damage you cause while driving, to theft, vandalism and fire damage.

Motorhomes are distinct from caravans - which do not legally require a separate insurance policy to be used. Put simply - if your vehicle has an engine, it is a motorhome rather than a caravan. Because motorhomes can travel without being towed, they are classed as road vehicles and must therefore be insured for the road, like every other motor vehicle.

Caravans, on the other hand, can be insured as part of an insurance policy for the car that tows them - and specialised caravan insurance policies are also available.

How much motorhome insurance do I need?

Although motorhomes are commonly associated with picturesque road trips and adventures abroad, they can of course also be used for running errands, getting to work or pretty much anything else you would normally do in a car.

How you use your motorhome affects your risk profile, which is why insurers need to know this information in order to provide you with a quote. When filling in our form, you will be asked to choose between the following usage types:

  • 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

How much does motorhome insurance cost?

The cost of motorhome insurance is influenced by a wide range of factors, which unfortunately means that there's no straight answer to this question.

  • 1

    Personal circumstances

    Details about yourself, such as your age, years of driving experience and job make a major difference to the cost of motorhome insurance

  • 2

    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

  • 3

    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

  • 4

    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

What are the main types of motorhome cover?

As with all motor insurance, there are three main levels of motorhome insurance available. These are:

  • 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 motorhome insurance is the weakest cover, and the minimum legal requirement you must meet to drive on UK roads. It's usually also the most expensive of the three

What is unlikely to be covered under my motorhome insurance policy?

Motorhome contents and cover for use abroad are unlikely to come as standard with every motorhome insurance policy, so if you require these features then it's important to check whether they're included and add them on to your cover if necessary.

Common exclusions to motorhome cover include:

  • 1

    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

  • 2

    Wear and tear

    Most insurance policies have standard wear-and-tear clauses, so you can't claim for damage that's been caused while you inhabit your motorhome as usual

  • 3

    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

  • 4

    Damage caused by insects or vermin

    Mice and other vermin have been known to damage motorhomes, but insurers unfortunately tend not to cover this sort of thing

  • 5

    Damage by permanent use

    If you live in the vehicle all the time, or use it for business purposes, you will need to ask for a different type of insurance policy

  • 6

    Damage or loss

    You won't be able to claim if the vehicle or its contents are stolen because you've left a window open or keys in the ignition

How to compare motorhome insurance quotes

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    Pop in a few details about yourself, your motorhome, and any extra cover that you might need

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

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

A motorhome 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 distinct from caravans, which can only move if they are being towed.

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.

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.

Certain more comprehensive home insurance policies might cover the items in your motorhome - 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.

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.

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.

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 government with a SORN and waive insurance. You will need to buy insurance if you later want to drive on public roads.

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.