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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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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.
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)
No, as there are additional, specific risks associated with motorhomes and campervans, so you will need specialist cover
That will depend on several things, including your mileage, your driving history, where you live, and how your vehicle is stored
Generally speaking, no, though some home covers will protect items like bikes. If in doubt, check your policy
Need a Motorhome Insurance quote?
If you’d like a Motorhome Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.
* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.