There are usually two main differences between campervans and motorhomes:,
- Campervans tend to be smaller and more compact
- Campervans also don't have a driving cab that is separated from the living area
Campervans and motorhomes need different insurance policies - make sure you know exactly what type of vehicle you have before you get it insured.
Campervan insurance is specifically designed to protect your campervan against accidents, damage and theft. There are varying levels of cover you can get for your campervan.
The different levels of campervan insurance are:
- Third party is the minimum level of cover you'll need to drive a campervan in the UK. This will cover the cost of any vehicle damage or personal injury claims to a third party, in an accident, that was your fault. It doesn't cover your campervan against repair or replacement.
- Third party, fire and theft provides an additional level of cover to third party, where you'll also be covered if your campervan is stolen or suffers fire damage.
- Comprehensive is the highest level of cover you can get for your campervan. This includes third party, fire and theft, as well as protection if your campervan is damaged in an accident.
Unfortunately, campervan insurance can’t cover everything that might go wrong while you’re travelling or at home. Make sure to carefully check your policy to see what is and isn’t included. The following scenarios usually aren’t covered by campervan insurance:
- Damage through general wear and tear
- Theft through lack of security, such as leaving a window or door open
- Damage through insect or vermin infestation
- General punctures and cuts to your tyres
The cost of campervan insurance can vary depending on a number of different things, including the type of cover you choose. Other things that could affect the cost of your insurance are:
- The age, model and value of your campervan
- Where you choose to store your campervan
- Any no claims bonus you have built up over the years
- The amount you use your campervan
There are a few ways you could reduce the amount you pay for your campervan insurance. However, it’s important to make sure you get the right policy for you and not just the cheapest. Things that could help reduce the cost of your insurance include:
- Installing additional security measures such as cameras or tracking systems can lower the likelihood your campervan will be stolen.
- Storing your campervan in a secure location and making sure your campervan is kept in a safe place, such as a locked garage, can help reduce the cost of your premium.
- Calculating your mileage as accurately as you can. The less you travel, the less likely you are to get into an accident and therefore the lower your policy will typically be.