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Here’s everything you should know about motorhome insurance, and some tips on how you might save money on your motorhome policy.
A motorhome is a type of vehicle that provides both transport and living accommodation. Motorhomes range from larger (and sometimes luxury) vehicles, such as A-class models, to smaller models including self-built motorhomes.
There are some typical differences between a motorhome and a campervan. Motorhomes are purpose-built and are usually:
Campervans tend to be smaller vehicles with more basic facilities for cooking, washing and sleeping. If you’re looking for insurance for a campervan, there are a few specialist providers who might be able to offer you cover through Compare the Market.
Yes, it’s a legal requirement to have insurance for your motorhome. You can only avoid insuring your motorhome by officially declaring it off the road. You can only do this by contacting the DVLA and applying for a Statutory Off Road Notification (SORN).
The three main types of insurance for motorhomes are:
There are specialist motorhome policies that could offer you extended cover, such as for trips within the EU or to other countries. Some providers may also offer this as an optional add-on to a policy.
Your main home contents insurance could cover some of the items in your motorhome; it depends on the level of cover you have. You might find that your policy covers camping equipment and other items you usually carry with you if you’ve specified them on your policy, or you’ve taken out personal possessions cover.
It’s very unlikely that your home contents insurance will cover you for any general household items that you have in your motorhome, such as bedding and a television. If you’re unsure exactly what your contents insurance covers, check the policy wording or speak to your home insurance provider.
The cost of insurance for a motorhome varies, depending on factors that include:
There are several ways you might be able to save on your motorhome policy, including choosing to pay for your cover annually or in monthly instalments. Paying yearly, if you can afford it, could help to save you money as insurance providers typically charge interest on monthly instalments.
Limiting your mileage (if possible), building up your no-claims discount by driving carefully, and adding extra security to your vehicle – such as a better alarm system – can all help to cut the cost of your motorhome insurance.
Compare motorhome insurance with us and we make it easy to compare quotes from a range of providers.
By comparing policies based around price, monthly or annual payment terms, policy cover levels and add-ons we can help you to find the right deal at a great price.