Motorhome Insurance UK

Motorhome Insurance is designed specifically for vehicles that combine transport with living accommodation. Choosing the right level of cover helps protect your vehicle, your finances and your travels, whether you're touring the UK or planning longer trips across Europe.

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Depending on the policy selected, cover can include protection for your motorhome, third-party liability, theft, fire and a range of additional benefits designed for motorhome owners.

What is Motorhome Insurance?

Motorhome Insurance is a specialist type of motor insurance created for motorhomes and campervans. As with standard car insurance, it is a legal requirement to have appropriate insurance if you drive your motorhome on UK roads.

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The level of cover you need may vary depending on the type of vehicle you own, how often you use it and whether you travel within the UK or Europe. Specialist policies can also provide benefits that are specifically designed for motorhome owners.

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Campervans vs Motorhomes

Although campervans and motorhomes both provide transport and overnight accommodation, they are built differently and may require different insurance considerations.

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A campervan is generally smaller and offers basic facilities for sleeping, cooking and washing. Some owners insure campervans under standard car or van insurance, which may not provide the specialist benefits available through dedicated Motorhome Insurance.

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Motorhomes are designed as self-contained living vehicles, with separate areas for driving, sleeping and living, together with permanent fixtures such as cupboards and sinks. The Driver and Vehicle Licensing Agency (DVLA) classifies motorhomes as motor caravans, meaning they require specialist insurance.​

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Suitable Vehicles

Whether you own a traditional motorhome, a campervan or an American RV, specialist Motorhome Insurance helps provide cover that's suited to your vehicle and how it's used.

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Motorhome Insurance may be suitable for:

• Classic motorhomes

• Campervans

• American RVs

Motorhome Insurance is available with different levels of cover, allowing you to choose the protection that best suits your vehicle and how you use it.

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Comprehensive Motorhome Insurance

Comprehensive cover provides the highest level of protection. In addition to third-party liability, it can also cover your motorhome against accidental damage, theft and fire, depending on the policy selected.

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Third Party, Fire & Theft Motorhome Insurance

Third Party, Fire & Theft cover includes protection for your legal liability to others while also covering your motorhome if it is stolen or damaged by fire. It does not cover accidental damage to your own vehicle following an at-fault accident.

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Third Party Only Motorhome Insurance

Third Party Only is the minimum level of insurance required to drive legally on UK roads. It covers your legal liability for injury to other people and damage to third-party property but does not provide cover for damage to your own motorhome.

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Motorhome Insurance for Different Vehicles

Every motorhome owner has different insurance requirements, depending on the type of vehicle they own and how they use it. Whether you're travelling in a classic motorhome, a campervan or a larger American RV, choosing the right Motorhome Insurance helps ensure you have cover that's suited to your vehicle and travel plans.​​

 

Policy Features & Benefits

Depending on the insurer and policy selected, Motorhome Insurance may include:

• Continental use for up to 270 days as standard

• No Green Card required for eligible European travel

• Protected No Claims Bonus (where available)

• Cover for drivers aged 25 to 79 years (proposer must be aged 30 years or over)

• In-car audio and visual equipment cover up to £500

• Awning, gas bottle and generator cover up to £2,000

• Emergency accommodation cover for up to 14 days

• Personal effects cover for camping and caravanning equipment

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