Motorhome insurance

Is motorhome insurance a legal requirement?

Yes, legally, you'll need to take out motorhome insurance. The only exception is if your motorhome is off the road, which you would need to declare. To do this, contact the DVLA and apply for a Statutory Off Road Notification (SORN).

As with any vehicle, there are potentially serious consequences if you drive without insurance, including an unlimited fine and a driving ban. The police could even seize your motorhome.

What level of cover should I choose?

It’s best to be insured for as many scenarios as possible, getting the level of cover that’s right for you.

There are three main levels of motorhome insurance:

• Third-party is the minimum level of cover required to legally drive a motorhome on UK roads. It will cover any vehicle damage or personal injury claims from other people where you’re to blame for an accident. Your own motorhome won’t be covered.
• Third-party, fire and theft provides an additional level of cover to third party, meaning you’ll also be covered if your motorhome is stolen or damaged by fire.
• Comprehensive is the highest level of cover available for your motorhome. This includes third party, fire and theft but also insures your motorhome against accidents that are your fault.

What does motorhome insurance not cover?

Some things won’t be covered by your motorhome insurance policy. It’s worth checking your policy wording so you’re clear about what’s excluded.

Motorhome 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

How can I get cheaper motorhome insurance?

You could get cheaper motorhome insurance if you:

• Install extra security measures like cameras or alarms
• Pay annually as most insurers will charge interest if you opt to pay monthly
• Build up a no-claims bonus
• Use secure parking at night
• Accurately estimate your mileage, as less distance travelled means lower risk

As motorhomes are used for living as well as driving, there’s plenty for insurers to think about when it comes to motorhome insurance.

Make sure you get the best policy for you, rather than just the cheapest motorhome insurance available.

Can I drive a motorhome on my car insurance?

You'll need specialist motorhome insurance as standard car insurance won’t cover you to drive a motorhome.

Motorhomes are very different from cars, so the risks insurers need to take into account differ greatly as well.