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Motorhome insurance is essential for anyone who owns a motorhome, campervan, or RV. Whether you're planning an extended road trip or using your motorhome for occasional holidays, having the right insurance policy is vital. The last thing you want is to be caught off guard by an accident, theft, or unforeseen damage while you're trying to enjoy your holiday. A comprehensive insurance policy provides peace of mind and financial protection when things go wrong.
Motorhome insurance is a specialised type of vehicle insurance that provides coverage for motorhomes, RVs, and campervans. Unlike standard car insurance, this type of liability insurance policy is designed to cover both the vehicle and the living space inside it.
Whether you own a small campervan or a larger motorhome, getting the right policy is crucial. Your motorhome is not just a mode of transportation—it's your home on the road, so you want to ensure that it's properly insured against a variety of risks, including accidents, theft, fire, and damage.
Motorhome insurance covers recreational vehicles with a living area that is separate from the driving cab. Like regular car insurance, it comes in three main coverage levels. You can also add extra cover designed specifically for motorhomes.
This gives you the best protection available. It pays to repair or replace your motorhome when it is damaged in an insured event. This can even cover accidents where you were at fault. It will also protect you against third party claims.
This is the minimum level of cover you need for driving in the UK. It only covers damage or injury to other drivers and their vehicles. It won’t cover any personal damage you incur or damage to your own motorhome.
This gives you the same protection as third-party cover. But it will also cover your motorhome if it is stolen or damaged by fire.
interchangeably, but there are important differences between them.
Campervan: A smaller, compact vehicle that combines driving and living spaces without a significant divide between them.
Motorhome: Typically larger, built on a truck or bus chassis, with distinct separation between the driving area and living quarters.
RV (Recreational Vehicle): A broader term often used in the U.S. that can include both motorhomes and campervans.
Understanding these distinctions is vital because some insurance policies are specific to either motorhomes or campervans, meaning the coverage may vary based on your vehicle type.
Exclusions change from policy to policy. But generally, motorhome insurance won’t cover the following:
Using your motorhome as a permanent residence.
Normal deterioration
Using your motorhome for business
Theft if you’ve left your motorhome open or left a window open
Various factors will affect the cost of your motorhome insurance premium. These include the size and value of your motorhome, how often you use it, and your driving history. Premiums can also be impacted by where the motorhome is stored when not in use and the level of security features, such as alarms and immobilisers.
One way to reduce your premium is by opting for a higher voluntary excess. However, ensure you can afford this in case of a claim. Installing additional security features or limiting your motorhome use can also reduce costs. Additionally, maintaining a good driving record will keep your premium lower over time.
When comparing motorhome insurance policies, make sure to evaluate what each policy covers in terms of theft, damage, and personal belongings. Consider if you need coverage for foreign travel, additional drivers, or breakdown and roadside assistance only.
Choose to pay for your cover once a year instead of every month. Insurance companies often add interest to monthly payments.
Boost your security by adding things like a steering lock, tracker, or ID kit.
This could be in your driveway, garage, or a storage place approved by a motorhome group.
If you don’t use your motorhome much, think about getting a policy with a mileage limit.
Choose a higher voluntary excess. But make sure you can cover both the voluntary and required excess if you need to file a claim.
Some insurers give discounts to members.
When choosing a motorhome insurance policy, there are several additional features you should consider to ensure comprehensive coverage. These options can offer enhanced protection and peace of mind, especially for frequent traveler's or those with valuable possessions.
If you plan to take your motorhome on international adventures, make sure your insurance company or policy includes foreign use cover. Most motorhome insurance policies allow for a set number of days or weeks of travel abroad, typically within Europe. However, if you travel internationally often, it may be worthwhile to opt for a policy with extended foreign travel coverage.
Motorhomes often carry valuable personal items such as electronics, camping gear, or clothing. Contents insurance ensures that these possessions are covered in case of theft, damage, or loss. Before purchasing additional liability coverage, check whether your home or travel insurance already covers these items to avoid duplicating protection.
For newer motorhomes, new for old coverages is a valuable option. In the event of a total loss or severe damage, this coverage replaces your motorhome with a brand-new equivalent model, rather than compensating you based on the vehicle's depreciated value. Although this type of coverage can raise your premium, it provides significant financial protection, especially for recently purchased motorhomes.
Yes, if you have comprehensive or third-party, fire, and theft insurance. These policies cover damage caused by fire, which is especially important if you’re travelling in hot climates or cooking inside your motorhome.
Comprehensive insurance covers a wide range of incidents, including collisions, fire, theft, and damage to your motorhome. While it is the most expensive option, it offers the most complete protection, ensuring peace of mind on the road.
By agreeing to pay a higher voluntary excess (the amount you contribute toward a claim), you can lower your monthly or annual premium. However, make sure you can afford the excess if an accident occurs.
Making a claim is usually straightforward. You'll need to provide details of the incident, such as damage or theft, and submit supporting evidence like photographs, repair estimates, or police reports to your insurer.
Yes, a clean driving history can significantly lower your premium. Insurers view responsible drivers as less risky, and you may even qualify for a no-claims discount if you’ve gone a certain period without filing a claim.
If you plan to travel across Europe, check if your insurance includes European cover. Many policies provide a limited number of days for travel abroad, while others may require you to pay extra for extended periods.
Yes, some insurers offer seasonal insurance for those who only use their motorhome during certain times of the year. This can be more affordable than a full-year policy if you’re not using your motorhome regularly.
The age of your motorhome does affect your premium. Older motorhomes may be cheaper to insure, but they might come with coverage restrictions or limited options compared to newer models.
Yes, vintage motorhome owners often need specialised insurance. This type of policy accounts for the motorhome’s age, value, and the unique challenges in sourcing replacement parts.
Some insurers offer package deals that combine home, travel, and motorhome insurance. This can simplify managing your policies and may even help reduce overall costs.
To avoid overpaying, compare policies across different providers, and review your coverage regularly to ensure you aren’t paying for features you don’t need.
