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A new way to insure your motorhome
Motorhome insurance is a specialist type of cover that protects you and your motorhome from financial risks, whether parked at home, on a campsite or travelling on UK roads and abroad. Similar to car insurance, it’s a legal requirement in the UK to have at least third-party cover to drive your motorhome.
In partnership with some of the leading UK insurers, we’ll not only get you a better motorhome insurance deal with top-notch cover, we also work hard to keep you as a customer year after year.
Own a campervan rather than a motorhome? Click here for campervan insurance.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We’ve been around for over 50 years, so you know you’ll get a better deal.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
With over 50 years of experience, whether it’s an A-Class or coach-built motorhome, a van conversion or a campervan you’re looking to cover, we’ve got your back.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable motorhome insurance prices.
What does motorhome insurance cover?
Accidental damage to your motorhome
Covered for the costs of repairs if your motorhome is damaged in an accident*.
Other bad things that could happen
Damage by fire, storm or vandalism
are all covered as standard*.
Broken glass and windscreens
All the glass in your motorhome is covered.
You won’t lose your No Claims Discount*.
If you injure someone
Your cover will pay for any damage to
property or injuries caused by you.
Theft
If your motorhome is stolen, it’ll either be
replaced or you’ll be paid the market value.
* Subject to your chosen level of policy cover and the prevailing policy excess.
What is motorhome insurance?
A comprehensive motorhome insurance policy typically includes:
- Damage from Accidents: Covering repairs for your motorhome and other vehicles involved.
- Fire and Theft: Protection if your motorhome is stolen or damaged by fire.
- Break-ins: Covering damage caused by forced entry and theft of belongings.
- Liability: Protecting you against claims from other drivers, passengers, or pedestrians.
- Personal Belongings: Some policies include cover for camping gear and valuables inside the motorhome.
Types of cover
There are three main levels of motorhome insurance:
- Third Party: The legal minimum, covering damage or injury to others but not your motorhome.
- Third Party, Fire and Theft: Adds protection for fire damage and theft of your motorhome.
- Comprehensive: The highest level of cover, including accidental damage to your motorhome, even if you’re at fault.
There are also three main categories of use:
- Social, Domestic, and Pleasure: This type of cover is ideal for leisure and non-business use such as weekend getaways and camping trips, visiting friends and family of running personal errands.
- Commuting: If the motorhome will be used to travel to and from a single place of work, commuting cover would be required. This is less common for motorhomes but may apply to individuals using their vehicle as their primary mode of transport.
- Personal Business Use: This provides cover for a broader range of uses, including driving to business meetings, events, or other work-related locations in addition to commuting. Personal business use is essential if you use your motorhome as part of your job or for self-employed activities.
When choosing a policy, consider how you use your motorhome. Whether it’s for holidays, commuting, or occasional trips, ensure you get the right level of protection.
How much does motorhome insurance cost?
Several factors can influence the cost of a motorhome insurance policy:
Usage and mileage
How often you use your motorhome and the number of miles you drive can affect rates. Increased risk exposure for more frequent use or long trips can result in higher premiums.
Value of the motorhome
The value of your motorhome plays a role in your premium. Higher-value motorhomes generally cost more to insure since they’re more expensive to repair or replace.
Location
Your location plays a role in determining your premiums. If you live in an area with a high incidence of accidents, theft, or crime rates, you may face higher insurance rates.
Type of motorhome
The type of motorhome can impact your premiums. Class A motorhomes, typically larger and more luxurious, tend to have higher insurance costs compared to coachbuilt.
Driving record
Your driving record, including past accidents or motoring offences, can influence your rates. A clean driving record will typically result in lower premiums, as it indicates a lower risk.
Storage and security
Where you store your motorhome and the security measures you have in place can impact premiums. Installing anti-theft devices may help reduce your insurance costs.
What you’ll need to compare the best motorhome insurance prices
Our mission is to give you the best motorhome insurance deal in the shortest possible time. But we’ll need some information from you to make sure we’re giving you an accurate price.
Your personal information (which is 100% secure)
Apart from the obvious reasons, we’ll need your name, address and date of birth to make sure you are who you say you are. Insurance application fraud is at its highest ever level and our background checks ensure everybody pays a fair price.
Your vehicle registration number and details
We’ll search DVLA and SMMT data to ensure we’ve got accurate information about your motorhome.
Your driving licence number and details of your driving history
Providing your driving licence number (“DLN”) allows for validation of your entitlement to drive certain types of vehicles and your driving history. Some of our insurer partners will offer a discount for confirming your DLN.
Details of any No Claims Bonus you’ve earned
If you’ve been insured as a motorhome driver previously and are accident-free, the chances are you’ve got a No Claims Bonus (“NCB”). Your NCB will usually reduce your premium by 30-70%, so it’s important you know exactly how many years’ entitlement you have.
Full details of any additional drivers you want to drive your vehicle
You’ll need to provide the same information about any other drivers, and you should have their permission to do so before you get a quote.
Motorhome insurance frequently asked questions
Is motorhome insurance different from car insurance?
Whilst both types of cover are essentially motor insurance, motorhome insurance will usually provide specific elements of cover tailored for motorhome owners.
Will my driving licence allow me to drive a motorhome?
This depends on when you passed your driving test but you should be able to drive a motorhome or campervan without taking any special driving tests. If you passed your test before 1997 and your licence shows a Category B entitlement, you’re good to drive any motorhome up to 8.250kg in weight. If you passed your test in 1997 or later and your licence shows a Category B entitlement, you can drive a motorhome up to 3,500kg in weight. For large motorhomes, your licence would need to show Category C, Category CE, Category C1 or Category C1E. You can check your entitlements on the Government website.
Am I covered to travel abroad in my motorhome?
All of our policies allow you to drive in EU countries for at least 30 days a year. If you travel abroad more frequently, for longer periods of time or travel outside of EU countries, we can tailor your policy to provide extended foreign use cover.
Am I covered to drive abroad in my motorhome?
All of our policies allow you to drive in EU countries for at least 30 days a year; some extend to up to 180 days a year. If you are intending to drive abroad, you must tell us before you leave the UK. You can do that online, or call us on 0345 222 6318. We’ll then confirm the level of cover that applies to the countries in which you’re travelling.
Will I need to install any security devices to my motorhome?
We actively encourage motorhome owners to install approved safety and security devices and offer generous discounts to those owners who take safety and security seriously. However, this isn’t compulsory unless your motorhome is of particularly high value or isn’t stored in a secure location.
As well as motorhome insurance, we also cover campervans, including conversions with campervan insurance.
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