If you’ve recently bought a motorhome or are considering one, you’re probably wondering: What are average motorhome insurance rates in the UK? Motorhome insurance is an essential part of ownership—not only is it legally required for road use, but it also protects your valuable asset from theft, damage, or accident.
In this guide, we’ll explore average costs, what influences your premium, how to reduce it, and the different types of cover available. Whether you’re insuring a modest campervan or a top-tier motorhome, this article will help you budget accurately and make smarter insurance choices.
Motorhome insurance
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How much is motorhome insurance on average?
According to leading UK sources such as our partner QuoteZone, the average cost of motorhome insurance ranges between £300 and £600 per year. However, these figures can vary widely depending on your circumstances.
| Motorhome type | Average annual premium |
|---|---|
| Small campervan (e.g. VW T5) | £250 – £400 |
| Coachbuilt motorhome | £350 – £600 |
| A-class motorhome | £500 – £1,000+ |
| Imported / left-hand drive | £600 – £1,200+ |
These are only indicative. Some owners pay under £300, while others—especially with high-value, imported, or modified vehicles—can see quotes topping £1,500.
What factors influence motorhome insurance rates?
Just like car insurance, motorhome insurance quotes are based on risk. Here are the main factors that can impact your premium:
Vehicle value and type
- Larger and more expensive models attract higher premiums.
- Imported or modified motorhomes often cost more to insure due to parts availability and servicing.
Driver’s age and experience
- Drivers under 25 typically face higher costs.
- Insurers favour drivers with several years of no-claims history and experience driving larger vehicles.
Storage location
- Keeping your motorhome in a secure storage facility or locked garage can reduce premiums.
- Urban street parking may increase your quote due to higher theft or vandalism risks.
Mileage and usage
- Occasional use and lower annual mileage often mean cheaper premiums.
- Full-time or frequent use increases risk and price.
Security features
- Alarms, immobilisers, trackers, and wheel clamps can significantly lower premiums.
- Thatcham-approved security devices are often required by insurers.
Cover type
- Comprehensive policies cost more but offer wider protection than third-party options.
Types of motorhome insurance cover
Before choosing a policy, it’s important to understand the types of cover available:
Comprehensive
- Covers damage to your motorhome, third-party vehicles, fire, theft, vandalism, and more.
- Best for high-value vehicles or newer motorhomes.
Third-party, fire and theft (TPFT)
- Covers damage to others, plus your vehicle if it’s stolen or damaged by fire.
Third-party only
- Covers damage or injury you cause to others.
- Cheapest option but offers no cover for your motorhome.
Some insurers also offer specialist motorhome policies that include:
- European cover
- Contents insurance
- Breakdown cover
- Windscreen and awning protection
How to get the best rate on motorhome insurance
Even if you’re quoted a high premium initially, there are several ways to reduce the cost:
Compare multiple quotes
Always compare quotes from both major insurers and niche motorhome specialists. Sites like Compare the Market, GoCompare, and direct providers such as Comfort Insurance or Caravan Guard are great starting points.
Install approved security devices
Adding a Thatcham Category 1 alarm or a GPS tracker can reduce your premium.
Limit mileage
Let your insurer know if you plan to use the motorhome infrequently or seasonally.
Use a secure storage site
Registered CaSSOA storage sites are recognised by many insurers and can lower your quote.
Increase your voluntary excess
Opting for a higher excess can reduce your premium—just ensure you can afford to pay it in case of a claim.
Bundle insurance
If you already have car, home, or travel insurance, ask about multi-policy discounts.
Do you need insurance if you’re not using your motorhome?
Yes, unless your vehicle is declared SORN (Statutory Off Road Notification) with the DVLA, you legally need at least third-party cover, even if it’s parked on your drive and unused.
Some insurers offer laid-up cover, which protects your motorhome from theft or accidental damage while it’s off the road, often at a reduced rate.
Summary
So, what are the average motorhome insurance rates in the UK? Expect to pay between £300 and £600 annually, though your specific quote may vary depending on your motorhome type, usage, and personal profile.
Take time to shop around, invest in good security, and choose a policy that meets your needs. With the right cover in place, you can enjoy life on the road with confidence and peace of mind.
For more information, take a look at our motorhome insurance page.
