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Motorhome insurance is specifically designed for motorhomes and campervans. It offers financial protection against accidents, damage, fire or theft.
Like car insurance, motorhome insurance is a legal requirement.
There are three main types of insurance for motorhomes:
Third-party insurance is the minimum level of cover you need to drive on UK roads
It only covers damage to other vehicles or injury to other drivers
It won’t cover your motorhome or your own injuries
Third-party, fire and theft offers the same cover as third-party
It can also cover you if your motorhome is stolen, damaged or destroyed by fire
Comprehensive insurance is the highest level of cover
It gives you the same protection as third-party, fire and theft
It also covers you and your motorhome if you have an accident
A motorhome or campervan is a type of vehicle that provides transport and living accommodation.
Motorhomes range from larger (and sometimes luxury) vehicles, such as American recreation vehicles (RVs), coach-built motorhomes and panel van conversions, to smaller models including self-built campervans and micro motorhomes.
Motorhomes are purpose-built, whereas campervans tend to be more basic because they’re based on the frame of a standard van.
Usually bigger, with more storage space
Have clearly defined, separate areas for driving and living.
Are designed for self-contained living on the road, and normally feature permanent kitchen and bathroom fixtures
Tend to be smaller inside
Have more basic facilities for cooking, washing and sleeping
Did you know?
You can compare insurance for campervans through Compare the Market, provided your campervan has fixed facilities for cooking, washing and sleeping, or is classified as a motor caravan on your V5C log book.
There are three different classes of use for motorhomes:
Covers everyday social driving, such as visiting friends, the school run and shopping trips
Covers everything that SDP does, but also covers your regular commute to and from work
Includes everything in the first two categories, plus business-related driving
Theft and vandalism
Depending on the level of insurance you take out
Fire and storm or flood damage
Damage caused by fire, storms, flooding or other severe weather events
Personal contents inside the vehicle
Personal belongings kept inside your motorhome or campervan, up to a set limit
Windscreen or glass repair/replacement
The cost of repairing or replacing damaged windscreens and windows
Awnings and fittings
Permanently fitted items such as awnings, bike racks and solar panels
European travel
Some policies include this as standard, but you might need to add this if it’s not included
Wear and tear
Damage caused by ageing, rust, rot or general wear and tear
Mechanical or electrical breakdown
Breakdowns and mechanical faults are typically excluded, unless cover is added separately
Damage caused by pets, pests or vermin
Damage caused by animals, insects or vermin is not usually covered by standard policies
Poor maintenance or neglect
Claims may be declined if damage is caused by poor upkeep or lack of maintenance
Theft
Claims may be rejected if the vehicle was left unlocked or unattended with keys inside
Full-time living or business use
This will need specialist cover
Exactly what’s covered by motorhome and campervan insurance can vary between providers. Always check the policy wording for limits.
Optional extras you can add to your motorhome insurance policy, for an additional cost, include:
Breakdown cover includes roadside assistance to fix your car or get you to a garage quickly if you break down.
Legal expenses can cover legal costs up to an agreed limit resulting from a car accident that wasn’t your fault.
No-claims discount protection means your no-claims discount won’t be affected if you claim, although your premium may increase.
Personal accident cover could pay compensation if you or your partner are killed or seriously injured in a motor accident.
To keep your insurance costs as low as possible, avoid paying for add-ons you don’t need or might already have with a different policy.
Drivers who use Compare the Market typically pay less than the following amounts for their insurance:
3 51% of our customers were quoted less than £413.25 for their motorhome insurance in April-June 2026.
4 51% of our customers were quoted less than £124.90 for their touring caravan insurance in April-June 2026.
5 51% of our customers were quoted less than £126.47 for their static caravan insurance in April-June 2026.
If you’ve converted a van, it could be classed as a motor caravan by the DVLA if you’ve added all the following permanent features:
Somewhere to sleep – such as a bed or seats that can be converted into a bed
Cooking facilities – a hob or microwave, for example
Storage – such as a cupboard or locker
A table and seats.
If your van is classed as a motor caravan, you may be able to insure it as a campervan with some providers. However, insurance providers each have their own definitions of what counts as a campervan.
Alternatively, you could look for a provider that specialises in converted camper insurance. With a tailored self-build campervan policy, you can get cover that accurately reflects the cost of the conversion.
If your self-build camper isn’t classed as a motor caravan, you may have to look at modified van insurance.
We need to know your motorhome’s make, model and age, as well as its value and fuel type. We’ll also ask how you use your motorhome, your estimated annual mileage and where you keep it.
Including your name, age, address and claims history. We’ll want to know if you have any other vehicles and whether you’d like to add named drivers to your policy.
Tell us how experienced you are driving your motorhome, the type of driving licence you have and how long you’ve had it.
Find out more about how insure your vehicle for daily use and holidays
The rate of road tax you’ll pay for your motorhome depends on its revenue weight – also called the gross vehicle weight (GVW) or maximum authorised mass (MAM). This is the maximum it should weigh when carrying the maximum safe load.
You can check this by looking in your owner’s handbook, or on a plate or sticker attached to the motorhome.
Motorhomes with a revenue weight of 3,500kg or less are classed as a private light goods vehicle. If you pay upfront, you’ll pay annual road tax of:
£220 if the GVW is 1549kg or less
£360 if the GVW is over 1549kg.
Motorhomes over 3,500kg are classed as private heavy goods vehicles (HGVs) and are subject to road tax of £171 per year.
No, you need motorhome insurance to drive a motorhome or campervan. That’s because motorhomes are used differently to cars.
Motorhomes aren’t just for driving – you sleep, cook and socialise in them too. That means there’s more to consider in terms of cover.
If you have a full UK Category B driving licence, you can drive a motorhome or campervan weighing up to 3.5 tonnes.
To drive a motorhome or campervan with a maximum authorised mass (MAM) of between 3.5 and 7.5 tonnes, you’ll need a category C1 driving licence.
To drive a motorhome over 7.5 tonnes, you’ll need a category C driving licence.
Home contents insurance typically only covers belongings inside your home. Adding personal possessions cover could mean you’re insured for items you take out and about with you, like your laptop, jewellery and camera.
Even with this extra cover, your home contents insurance is unlikely to cover household items you keep in your motorhome or camper full-time, such as your TV or bedding. If you’re not sure what your contents insurance covers, check the policy or talk to your provider.
Many motorhome insurance policies include cover for possessions that are locked inside your motorhome, but cover levels vary. Check the overall limit and the single-item limit to make sure it’s enough to cover your belongings.
If you regularly drive your motorhome, you can multiply the miles you drive in a typical week by 52.
If you only use your motorhome for occasional long trips, it’s a bit trickier. Google Maps is a useful resource, allowing you to plot a trip with multiple destinations and find the approximate mileage.
Plenty of insurance providers offer temporary motorhome insurance. Whether you want cover for one day or one month, you should be able to find a policy that meets your needs.
If you’re living for extended periods in your motorhome, rather than using it for holidays, then you may need to look for specialist cover and it will likely cost you more.
Insurance providers will have different definitions of what is classed as ‘full-timing’ or ‘long-term touring’ in your motorhome, so check the terms carefully.
Amy helps make sure you get the best value when choosing insurance. Thanks to more than four years’ experience at Compare the Market, she understands what people look for, working closely with insurance providers to offer you deals and services that are fair, easy to understand and right for your needs.
1 Correct as of June 2026.
2 Based on the % of respondents claiming they have used Compare the Market in the last 12 months vs. other leading PCWs. Source: Savanta BrandVue Financial Services, National Representative Survey of 12,257 respondents (June 2026)
What our expert says...
“Where you park your motorhome can affect your premium just as much as how you drive it. Storing it off-road, in a garage or at a recognised storage site could work out cheaper - so it’s worth checking before you sign up to a policy.”