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Motorhome insurance

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Is motorhome insurance a legal requirement?

Yes, it’s a legal requirement to insure your motorhome. The only exception is if your motorhome is permanently off the road, which you 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.

Can I drive a motorhome on my car or van insurance?

No, you need specialist motorhome insurance - standard car or van insurance doesn't cover you to drive a motorhome.

Motorhomes are different from cars and vans, so the risks insurers need to consider differ as well.

What is the difference between motorhomes and campervans?

Motorhomes are purpose-built, whereas campervans tend to be more basic as they're modelled on the frame of a standard van. The size of motorhomes can vary, but they're generally bigger than campervans.

  • More living space and extra storage
  • A separation between the driving and living area
  • Additional features, including over-cab space
  • An overall bigger vehicle, which can also be more difficult to park

Since they're different types of vehicle, you'll need different insurance cover depending on what you're driving.

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What level of cover should I choose?

There are 3 main levels of motorhome insurance:

Third-party only

Third-party is the minimum level of cover required to legally drive a motorhome on UK roads. It covers any vehicle damage or personal injury claims from other people where you’re to blame for an accident. Your own motorhome isn't covered.

Third-party, fire and theft

Third-party, fire and theft provides an additional level of cover to third party. You're also covered if your motorhome is stolen or damaged by fire.

Comprehensive

Comprehensive is the highest level of cover available. This includes third party, fire and theft but also covers your motorhome for damage.

Does my home contents insurance cover items in my motorhome?

No, home contents insurance doesn't usually cover household items you keep in your motorhome, including things like televisions. But it ultimately depends on your particular policy.

If you want household items covered in your motorhome, talk to your home and motorhome insurance provider to make sure you have the cover you need before setting out. 

Certain items like laptops might be insured if you have away from home cover included in your home contents policy. Always check with your contents insurer if you need items away from home covered.

What’s included with motorhome insurance?

What exactly is included will depend on the provider and policy you choose, but it's common for policies to cover:

  • Personal belongings cover – protects what you keep in your motorhome
  • Awning cover – covers damage to an awning
  • Windscreen cover – covers the cost of repairing chips or cracks to your windscreen, there will be an excess to pay towards this
  • Breakdown cover - this can sometimes be included but is often a paid optional extra
  • European cover - to drive abroad up to 90 days

What's not covered?

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

It’s worth checking your policy wording so you’re clear about what’s excluded.

How can I get cheaper motorhome insurance?

You could get cheaper motorhome insurance if you:

  • Pay annually - all insurers charge interest if you choose to pay monthly
  • Accurately estimate your mileage, as less distance travelled means lower risk
  • Join a caravan club such as Caravan and Motorhome Club – some insurers might offer you a discount
  • Use secure parking at night or use a Caravan Storage Site Owners’ Association (CASSOA) registered site
  • Install extra security measures like cameras or alarms
  • Build up a no-claims bonus

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

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Am I covered abroad with motorhome insurance?

Yes, motorhome insurance usually includes cover to let you explore the EU for up to 90 days in a year.

If you plan to drive abroad with your motorhome, check the policy wording to make sure the cover you need is included. Coverage can vary depending on your particular policy. Don't forget to get travel insurance if you're travelling abroad with your motorhome.

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What our caravan insurance expert says

''Motorhome insurance is a legal requirement, but it can also protect your contents, depending on the insurance provider and policy you choose.

Comparing quotes takes only a few minutes. We'll show you a range of prices from our panel so you can be safe and legal before you set off.''

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Page last reviewed: 26 October 2023

Reviewed by: Louise Thomas

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