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Motorhome
Insurance
Independent service from your local insurance specialists
Need a motorhome insurance quote? Let the independent specialists at your local Coversure compare their markets to find you quality motorhome insurance protection. Your local Coversure office can tailor protection to your needs, so start your quote today.
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Contact us to get your Motorhome insurance quote
What Is Motorhome Insurance?
Motorhome insurance is a specialist form of protection designed to meet the needs of motorhome and campervan owners. A typical policy can cover your vehicle and passengers from a range of risks, a legal requirement for driving on public roads.
What Type of Motorhome Insurance Is Right for You?
Like most motor policies, motorhome insurance comes in various forms, offering different levels of protection. The most common types are:
- Third-party only – this is the minimum cover required by law and will only protect you for third-party liabilities – e.g., damage to another driver’s vehicle in the event of an accident if it is your fault
- Third-party, fire, and theft – this is the same as third-party, but it also insures your vehicle should it be stolen or damaged, or lost in a fire
- Fully comprehensive – fully comprehensive will cover you should your vehicle be lost to fire, stolen and, in the event of an accident, it will pay for repairs to your vehicle even if the accident is your fault
Which of these options is the most suitable for you depends on how much cover you’re looking for and how much you want to spend. Fully comprehensive tends to be the most expensive and third-party the cheapest.
If you’re unsure which is best for you, please contact your local Coversure, and they’ll be happy to give you some independent advice.
Motorhome Insurance Options
Depending on the policy you choose, the following may be included or come as optional extras:
- Personal belongings cover
- Awning cover – to cover you for accidental damage
- Windscreen cover
How Much Does Motorhome or Campervan Insurance Cost?
The cost of your policy will depend on a range of factors, including:
- Your age
- Your postcode
- Where motorhome or campervan is kept – off-street parking can lead to lower premiums
- Your claims history – nothing will push up costs like a claim
- How much no claims bonus you have
- How long you’ve been driving a motorhome – more experienced drivers can see reduced premiums, depending on their claims history
- The type of motorhome or campervan you are driving – higher-value vehicles such as
Airstream or Newmar are more expensive to insure. Classic motorhomes or campers, like the retro V.W. campervan, may also come with higher premiums - Your expected annual mileage – the higher the mileage, the more you can expect to pay
- Your access to other vehicles – having access to other vehicles is likely to reduce your premium
- Whether you want to add other named drivers to your policy
The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Motorhome cover for you.
Motorhome Insurance FAQ
This can be a complex area of cover, so to help you get the protection you need, here are Coversure’s motorhome and campervan insurance frequently asked questions. We hope they will be of use, but if you’d like some personalised independent advice, talk to your local Coversure office.
Is motorhome insurance a legal requirement?
Yes, you can only avoid it by officially declaring it off the road to the DVLA and applying for a Statutory Off Road Notification (SORN)
Can I drive a motorhome on a car insurance policy?
No, as there are additional, specific risks associated with motorhomes and campervans, so you will need specialist cover
How much does motorhome insurance cost?
That will depend on several things, including your mileage, your driving history, where you live, and how your vehicle is stored
Will possessions I bring from home be covered?
Generally speaking, no, though some home covers will protect items like bikes. If in doubt, check your policy
How can I get a motor home insurance quote?
Getting a quote is easy; talk to your local Coversure office or start your quote today
What Does Motorhome Insurance Typically Cover?
Motorhome insurance is designed to protect both your vehicle and its contents. A comprehensive policy usually includes cover for vehicle damage, theft, third-party liability, and personal belongings. If your motorhome is involved in an accident, damaged by fire, or vandalised, your policy can cover repair costs. Theft protection ensures you’re compensated if your motorhome is stolen or damaged during an attempted theft. Third-party liability protects against claims made by others for injury or property damage caused by your motorhome, while personal belongings cover offers financial protection for items inside the vehicle, up to a specified limit. However, standard policies may not cover full-time living or business use, so additional coverage might be necessary for such circumstances.
Is Specialised Insurance Required for Motorhomes?
Yes, motorhomes require specialised insurance distinct from standard vehicle policies. Since they combine transportation and habitation elements, they need a policy that covers both the vehicle itself and the living equipment within. This ensures that whether you’re on the road or parked up for an extended stay, your motorhome is adequately protected.
Is Motorhome Insurance Legally Mandated in the UK?
Absolutely. In the UK, any vehicle used on public roads must have at least third-party insurance. This legal requirement ensures that you can cover costs related to injuries or damages to others resulting from your vehicle’s use. Failing to have the appropriate cover can lead to fines, points on your licence, or even legal prosecution.
Does Motorhome Insurance Extend to European Travel?
Many policies include European cover, though the level of protection varies. Some policies provide up to 365 days of European travel, while others may only allow shorter periods or require an additional premium. It’s always advisable to check the specific details of your policy before heading abroad to avoid unexpected gaps in cover.
What Factors Influence Motorhome Insurance Premiums?
Several factors impact the cost of motorhome insurance. Your age and driving experience play a role, with younger or less experienced drivers often facing higher premiums. The vehicle’s value and age also make a difference, as newer or high-value motorhomes typically cost more to insure. Where you store your motorhome can affect costs too, with secure storage often leading to lower premiums. How frequently you use the vehicle and your claims history also contribute to the price you pay for cover.
Are There Strategies to Lower Your Motorhome Insurance Costs?
There are actions that can be taken that could reduce your motorhome insurance premium. Improving security by installing alarms or tracking devices can lower costs by reducing the risk of theft. Limiting your annual mileage may also lead to discounts, as insurers often base premiums on expected usage. Some insurers offer discounts for drivers who complete recognised advanced driving courses, demonstrating lower risk. Maintaining a no-claims record over time can also result in substantial savings.
Does Motorhome Insurance Cover Full-Time Living?
Standard policies usually do not cover full-time living. If you plan to use your motorhome as a permanent residence, you’ll need a specialised policy designed for full-time habitation. These policies provide additional protection for extended use and the increased risks associated with full-time occupancy.
Is Breakdown Assistance Included in Motorhome Insurance?
Breakdown cover is not always included as standard but is available as an optional extra with many policies. Adding this protection ensures peace of mind should your motorhome experience mechanical failure while on the road, providing roadside assistance and, in some cases, recovery to your destination.
How Can Coversure Assist You?
At Coversure, we provide motorhome insurance policies tailored to your specific needs. We can source policies that can include cover for vehicle damage, theft, third-party liability, personal belongings, and optional breakdown assistance. We also offer guidance on ways to reduce premiums, such as security enhancements and limited mileage policies. To find out more, contact your local Coversure office today.
Having the right insurance allows you to enjoy your motorhome adventures with confidence, knowing you are protected against unexpected events.
