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Motorhome insurance

Compare insurance quotes for your motorhome

  • Get a quote in minutes and covered today

  • Get the correct insurance cover for your motorhome

  • Three levels of cover to choose from

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 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.

Motorhomes give you:

  • 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

There are key differences between motorhomes and campervans, so the insurance you need will differ, depending on the type of vehicle you have.

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.

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Does my home contents insurance cover items in my motorhome?

Home contents insurance usually won’t cover household items you keep in your motorhome, including things like televisions.

Whether your home contents insurance will cover any of the things in your motorhome depends on your particular policy. Certain items like laptops might be insured if you have away from home cover included in your home contents policy.

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 much is motorhome insurance?

Many things affect the cost of your motorhome insurance, including the characteristics of the motorhome, your personal circumstances and the type of cover you choose. It makes sense to shop around for a motorhome insurance quote so you get the best deal.

Your motorhome insurance costs can depend on:

  • The age, model and value of your motorhome
  • Where you keep your motorhome at night
  • Your no claims bonus
  • How much you use your motorhome

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.

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Am I covered abroad with motorhome insurance?

Motorhome insurance usually includes cover to let you explore the EU for up 90 days at a time.

If you plan to take your motorhome abroad, 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 take out travel insurance if you're travelling abroad with your motorhome.

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.

What our caravan insurance expert says

Being a small home on wheels, motorhome insurance isn’t just a legal requirement, but it can also protect contents depending on the insurance provider and policy you choose.

Comparing quotes is quick and easy. It'll also give you a range of prices from our panel so you can be safe and legal before you set off.

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