The three main types of insurance for motorhomes are:
- Third party – the minimum level of cover you’ll need to drive on UK roads. This will only cover the cost of compensating other people for injury or damage you cause to them or their vehicle
- Third party, fire and theft – this offers the same level of cover as third party, but could also cover you if your motorhome is stolen or damaged or it’s destroyed by fire
- Fully comprehensive – this includes all of the cover offered by a third party fire and theft policy, and also offers cover for your motorhome if it’s accidentally damaged or destroyed by an event that’s your fault.
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.