Campervan
Insurance

Let’s start at the beginning and discuss campervan insurance. Getting insurance for your campervan is like getting motor or home insurance in many ways.

Campervan insurance protects you and your van when something goes wrong. This coverage applies to both trips with campervans and when your campervan is in storage.

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There are some key differences between campervan insurance, motor insurance, and home insurance that you should consider. The differences lie mostly in the items and events that are covered.

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Campervan insurance varies greatly depending on the type of campervan you have, its classification, how often you use it, whether you live in it, and many other factors.

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Is Campervan Insurance Required?

Campervan insurance is as necessary to have as it is on a car or other vehicle you use on the road. And the last thing you want to think about on holiday is an accident, damage, loss, or theft.

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Even the most cautious owner will suffer unexpected accidents through no fault of their own. This can leave you exposed to expensive repairs and spare parts, as well as additional stress.

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Hardy campers brave the fast-changing British weather as they tour the countryside, but floods, strong winds, severe storms, and snowfall can do significant damage to your campervan.

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Campervans are also susceptible to theft. Also, if your vehicle has expensive equipment and electronics on board, you should take out insurance.

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Campervan accidents happen. Most claims from campervan insurance are made in the event of accident damage. Don’t get stuck with high bills because you don’t have adequate campervan insurance.

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If you have a loan out on your campervan, most banks will insist you have insurance to cover any damages. Even if you don’t have a loan on your campervan, you still need an insurance policy.

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Depending on which policy you choose, your insurance company can protect you in case a person from your campervan is injured. It also protects your investment should something happen to your campervan.

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What should I look for in a Campervan Insurance Policy?

​Think of everything that could go wrong with using your campervan or when it is in storage. Then consider what you would do in response. Would you have the money to pay for the damages?

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It may be helpful to think about some of these scenarios.

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Accidents in Europe: becoming a party in an accident in Europe is different from being a party in an accident in the UK.

 

Glass Replacement: one of the most common types of insurance claims filed for campervans is glass replacement for the windscreen or windows. If you commonly drive on roads with HGVs or down unmade roads you are at high risk for cracks and chips to your windshield.

 

Crash or Accident: from minor damage like backing up into a tree to a major accident, campervan insurance will have you covered.

 

Vandalism: you hope it will never happen to you but consider coverage to protect against vandalism. Smashed windows and van fires can be costly to cover on your own.

 

Theft: many campervans have expensive electronics and other home items inside of them. This makes them a target for thieves. Would you be able to cover stolen items on your own?

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Legal fees: if you ever find yourself in a legal dispute, campervan insurance can help you pay the expensive legal fees related to any disputes surrounding your campervan.

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After you consider all the things that can happen to you, choose an insurance policy that will cover your needs. Also, if you have more than one person driving, they will need to be included in your insurance policy.