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[1] Correct as of December, 2022.
What is motorhome insurance?
Motorhome insurance is a type of motor cover that’s specific to motorhomes and campervans. This type of insurance can cover your vehicle, you and your passengers for damage, accidents and theft. Just like car insurance, motorhome insurance is a legal requirement.
What is a motorhome?
A motorhome or campervan is a type of vehicle that provides transport and living accommodation. They range from larger (and sometimes luxury) vehicles, like A-class models, American recreation vehicles (RVs), coach-built motorhomes and panel van conversions, to smaller models including self-built campervans and micro motorhomes.
How much does motorhome insurance cost?
£320/year
Motorhome insurance[2]
£146/year
Touring caravan insurance[3]
£147/year
Static caravan insurance[4]
[2] 51% of our customers were quoted less than £319.41 for their motorhome insurance in November, 2022.
[3] 51% of our customers were quoted less than £145.27 for their touring caravan insurance in November, 2022.
[4] 51% of our customers were quoted less than £146.72 for their static caravan insurance in November, 2022.
What type of motorhome insurance do I need?
It depends on your needs. There are three main types of insurance for motorhomes:
- 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 also offers cover if your motorhome is stolen, damaged or destroyed by fire.
- Fully comprehensive – this includes cover for all of the above, but could also cover your motorhome if it’s damaged or destroyed by an event that’s your fault.
The following might also come as standard with some motorhome policies:
Personal belongings cover – to protect any belongings you keep in your motorhome or camper.
Awning cover – to cover you for damage to an awning because of a storm.
Windscreen cover – to cover the cost of chips or cracks to your windscreen.
There are also specialist motorhome policies that offer extended cover – for European road trips, for example. Although some providers may offer this as an add-on to a policy for an extra cost.
What affects the price of motorhome insurance?
Factors that can affect the cost of insurance for your motorhome include:
Your age
Older drivers typically pay less than young drivers.
Your address
If you live in an area with a low level of insurance claims, then you might get cheaper insurance.
Where you keep your motorhome
If it’s parked on the street rather than off the road, this could push up your premiums or, in some locations, make it difficult to insure at all.
Your driving history
A longer no-claims bonus typically rewards you with cheaper insurance.
How long you’ve driven a motorhome
If you have more experience driving this type of vehicle, you could get a cheaper deal.
The make and model
Higher-value vehicles tend to be more expensive to insure. Classic motorhomes or campers, like a retro VW campervan, may come with higher premiums.
Your annual mileage
The higher the mileage, the more you can expect to pay. But if you only use your motorhome for short periods during the year, then your insurance could be cheaper.
Access to other vehicles
Having access to other vehicles is likely to reduce your premium. You’re likely to pay more if you use your motorhome or campervan for commuting or business purposes.
Additional drivers
Adding a named driver could reduce the cost of your premium if they’re an experienced driver and have made no claims on their insurance.
Expert tips and guides
- Get your motorhome ready for winter — find out how best to get your vehicle ready for the cold months.
- A simple guide to driving abroad — if you’re planning on driving abroad, there’s a few things you ought to know before you set off.
- Travel insurance for motorhome holidays — make sure you have the right travel insurance in place ahead of your getaway.
- European breakdown cover — if you're planning on driving in mainland Europe, compare cover that'll get you back on the road in the event of a breakdown.
How can I save on my motorhome insurance?
There are several ways you might be able to save on your motorhome policy, including choosing to pay for your cover annually rather than in monthly instalments. If you can afford it, paying yearly could help to save you money, as insurance providers typically charge interest on monthly payments.
Ways to help cut the cost of your motorhome insurance include:
- Adding extra security to your vehicle, such as a better alarm system, tracking device or ID kit
- Storing the vehicle off the road, using a barrier or a Caravan Storage Site Owners’ Association (CASSOA) registered site
- Limiting your mileage (if possible)
- Building up your no-claims discount by driving carefully
- Advanced driving qualifications to prove you’re a safer, more experienced driver
- Joining a motorhome owners club – some providers offer discounts for members
One of the best ways to find the right deal for you is to shop around. Compare with us and we can save you the legwork by giving you a range of insurance quotes for your campervan or motorhome.
Frequently asked questions
Do I need motorhome insurance?
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 do this by contacting the DVLA and applying for a Statutory Off Road Notification (SORN).
What’s the difference between a motorhome and a campervan?
There are some typical differences between a motorhome and a campervan. Motorhomes are usually:
- Larger, with extra space for storage
- Have more clearly defined areas for driving and living
- Often come with additional features, like an over-cab area with space for a double bed.
Campervans tend to be smaller inside with more basic facilities for cooking, washing and sleeping. You can compare insurance for campervans through comparethemarket.com, provided your campervan:
- Has fixed facilities for cooking, washing and sleeping
- Or is classified as a motor caravan on your V5C log book.
A van with a bed in the back doesn’t qualify as a campervan.
Can I drive a motorhome on my car insurance?
To drive a motorhome or campervan, you’ll usually need a specialist motorhome insurance policy. That’s because we use motorhomes in a different way to our cars. We don’t just drive our motorhomes – we sleep, cook and socialise in them too – so there are more things to consider in terms of cover.
Do I need a special licence to drive a motorhome?
If you have a full UK driving licence, you can drive a motorhome weighing up to 3.5 tonnes. You can also drive a motorhome up to 7.5 tonnes provided you passed your test before 1 January 1997, which means you’ll be able to drive most motorhomes. If you passed your test after that, you’ll need to take an additional test to drive a motorhome over 7.5 tonnes.
What won’t motorhome insurance cover?
Exclusions vary according to the policy and provider you choose, but generally motorhome insurance won’t cover:
- Your motorhome if you live in it full time
- Wear and tear
- Infestations of rats, mice or other vermin
- Using your motorhome for business
- Theft if you’ve left your motorhome unlocked or a window open.
Does my home contents insurance cover items in my motorhome?
Typically, home contents insurance only covers your possessions when they’re inside your home, but check your policy to make sure. If you add cover for personal possessions outside the home it can cover some items that you take out and about, like laptops, jewellery and cameras.
It’s very unlikely that your home contents insurance will cover you for any general household items that you have in your motorhome or camper, like bedding and a television. If you’re not sure exactly what your contents insurance covers, check the policy or talk to your home insurance provider.
How do I estimate mileage?
The cost of your insurance can vary depending on the annual mileage you cover in your motorhome. So, if you only use your motorhome for occasional holidays in the UK, your mileage could be relatively low, and this could save you money on your premium. Some insurance policies will offer savings if you stick to a pre-agreed mileage limit – because if you drive less, there’s less risk of you having an accident.
If you drive your motorhome regularly you can estimate your annual mileage by multiplying the miles you drive in a typical week by 52. If you want to use your motorhome more for occasional long trips, then it’s a little trickier. Google Maps can be a good resource in this case, allowing you to plot a trip with multiple destinations and find the approximate mileage.
Can you get any added extras with motorhome insurance?
Depending on what you need, there are plenty of useful extras you can add to your motorhome insurance policy to make it work for you:
- Breakdown cover – with roadside assistance to get you to a garage quickly if you break down.
- Legal expenses – to cover you in case you have a legal dispute relating to an accident, and help you recoup any losses.
- No claims discount protection – if you claim on your insurance, it won’t affect your no claims discount, although your premium might go up.
- European cover – to insure you for driving your motorhome in Europe.
To keep the cost of cover as low as possible, think about how you use your motorhome and avoid paying for any additional cover you won’t need, or that might already be covered by a different policy.
What our expert says...
"With a motorhome, you can have all the freedom of travel and still enjoy the comforts of home. Whether it’s a lifestyle choice or a once-in-a-lifetime trip you’re planning, make sure you have the right insurance in place to cover you, your motorhome and everything you take along for the ride."
- Alex Hasty, Insurance expert
What details do I need to get a quick motorhome insurance quote?
To get a motorhome quote, you’ll need to tell us about:
1. Your motorhome and how you use it
We need to know the make, model and age of your motorhome, what fuel it uses and its current value. Plus, how you use your motorhome, your estimated annual mileage and where you keep it.
2. Your details
Including your name, your age and where you live, your claims history, if you have any other vehicles and whether you’d like to add named drivers to your policy.
3. Your driving and your licence
Tell us how experienced you are driving your motorhome, the type of driving licence you hold and how long you’ve had it.
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