Campervan insurance

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  • Cover for campervans that are factory built, DIY or professionally converted

  • Three levels of cover to choose from

  • Get cover for specific things including keys and locks, generators and personal possesions

What's the difference between campervans and motorhomes?

Campervans are built on a van chassis, with manufacturers basing them on existing van models to create a mobile living space. There are also DIY campervans, which people have converted themselves from a basic van body, or had them professionally converted by a separate company.

Motorhomes are built on a bus or truck chassis, so they can be much larger than campervans. Unlike campervans, motorhomes often have a divider between the driver’s cab and the actual living area.

Campervans and motorhomes are both mobile homes that give you the freedom to explore and travel independently. They're completely different from caravans, which are normally towed by a vehicle and require separate caravan insurance to be on the road.

The one important thing to know is that they each need specific insurance policies, so you should be clear about exactly what type of vehicle you have before you get insurance.

What level of campervan insurance is right for me?

There are 3 main levels of cover you can get for your campervan:

  • Third-party is the minimum level of cover you'll need to drive a campervan in the UK. This covers the cost of any vehicle damage or personal injury claims from other people if an accident was your fault. It doesn't cover your own campervan.
  • Third-party, fire and theft provides an extra level of cover to third party. So you'll also be covered if your campervan is stolen or damaged by fire.
  • Comprehensive is the highest level of cover you can get for your campervan. This includes third party, fire and theft as well as covering your campervan for damage in an accident where you’re to blame.

Campervan insurance is specifically designed to protect against accidents, damage and theft. So it's important to get the right level of cover in place before you go on your trip.

What does campervan insurance cover?


Depending on your insurer, campervan insurance usually covers:

  • Awnings
  • Generators
  • Audio and navigation equipment
  • Windscreen
  • Gas explosions
  • Keys and locks
  • Personal possessions

Campervan insurance usually doesn’t cover:

  • 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

Your policy may also cover vandalism, and will usually cover you to travel around the EU in your campervan for up to 90 days.

Not all insurers will offer cover for driving abroad, so if you're looking for this cover, be sure to check your policy wording before buying.

What our caravan insurance expert says

"You might think that your car insurance will cover you when it comes to driving your campervan, but that's not the case. You'll always need a specific caravan insurance policy before you get out on the open road.

"We offer cover for most types of campervan, including DIY campervan conversions. If you’ve got a DIY camper, you can still get cover by providing a bit more information about your van when getting a quote."

Louise Thomas, Motor Insurance Expert at
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What affects the cost of campervan insurance?

The cost of campervan insurance can vary depending on:

  • The type of cover you choose
  • The age, model and value of your campervan
  • Where you store your campervan
  • Your driving history including any claims or convictions you have
  • Any no claims bonus you have built up
  • How often you use your campervan

With campervan insurance, there’s quite a lot for insurers to consider, as the vehicle will be used for living as well as driving. Shopping around and comparing campervan insurance quotes will help you find the best deal.

How can I get cheaper campervan insurance?

Here are some ways to cut the cost of your campervan insurance:

  • Install additional security measures such as cameras or tracking systems to reduce the risk of theft
  • Store your campervan in a secure location, like a locked garage
  • Calculate your mileage as accurately as you can. The less you travel, the lower the risk of getting into an accident
  • Pay annually rather than monthly

Getting cheaper campervan insurance is important, but so is making sure you get the right level of cover.

Can I drive a campervan on my car insurance?

Standard car insurance won’t cover you to drive a campervan, so you’ll need a specialist campervan insurance policy. As campervans are used as a mobile living space, there’s more for insurers to consider.

It’s illegal to drive without campervan insurance, so you risk serious consequences if you don’t get campervan cover. Driving a vehicle without insurance can lead to an unlimited fine and a driving ban. The police could even impound your campervan if you drive without insurance.

Can I insure a campervan conversion?

You can insure a campervan conversion, but you’ll likely have to provide the insurer with a little more information about the vehicle. This will give them a better understanding of the modifications that have been made. The insurer may ask for photos of your campervan and a copy of the gas certificate.

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Page last reviewed: 1 November 2023

Reviewed by: Louise Thomas motorhome and caravan insurance is administered by Vast Visibility Ltd who are authorised and regulated by the Financial Conduct Authority under firm reference number 566973. Vast Visibility Ltd is registered in England & Wales No. 05866769 at office: 8 Princes Parade, Liverpool, L3 1DL.
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