Motorhome Insurance

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Do I need motorhome insurance?

Yes, if you are driving a motorhome, you need to have insurance. Just like with any other road vehicle, motorhomes need a minimum of third party insurance. This lets you legally drive on UK public roads. However, comprehensive policies offer more coverage that can protect you and your motorhome.

What does motorhome insurance cover?

Motorhome insurance covers recreational vehicles with a living area that is separate from the driving cab. Like regular car insurance, it comes in three main coverage levels. You can also add extra cover designed specifically for motorhomes.

Comprehensive motorhome insurance

This gives you the best protection available. It pays to repair or replace your motorhome when it is damaged in an insured event. This can even cover accidents where you were at fault. It will also protect you against third party claims.

Third-party motorhome insurance

This is the minimum level of cover you need for driving in the UK. It only covers damage or injury to other drivers and their vehicles. It won’t cover any personal damage you incur or damage to your own motorhome.

Third-party fire and theft motorhome insurance

This gives you the same protection as third-party cover. But it will also cover your motorhome if it is stolen or damaged by fire.

Additional coverage options for motorhome insurance

Look out to see if your motorhome policy also covers any of the following as standard:

Personal belongings cover

Awning cover

European cover

Breakdown cover

Generator cover

Legal protection

Windscreen cover

What is not covered by motorhome insurance?

Exclusions change from policy to policy. But generally, motorhome insurance won’t cover the following:

Using your motorhome as a permanent residence.

Normal deterioration

Using your motorhome for business

Theft if you’ve left your motorhome open or left a window open

What is the best motorhome insurance option?

The best motorhome insurance option for you will depend on how you use your vehicle:

Social, domestic and leisure use

For your social outings and holiday trips. This doesn’t cover driving to work or using your motorhome to make money

Commuting

For driving from your house to your workplace.

Personal business use

For going to business meetings and events as well as getting to and from work.

How much is motorhome insurance?

The cost of motorhome insurance in the UK depends on several factors. Some of these are based on the motorhome itself, and others will be based on your driving and claims history. One of the easiest ways to understand how these factors affect your motorhome insurance cost is by getting a personalised quote. This takes out the guesswork and helps you choose the right cover with confidence.

Factors influencing motorhome insurance costs

The exact cost of your policy will depend on several factors, such as:

Vehicle value and age

Security features

Storage location

Driving history

Additional drivers

Annual mileage

How can I find cheap motorhome insurance quotes?

You can save money on your motorhome or RV insurance in a few different ways:

Pay annually

Choose to pay for your cover once a year instead of every month. Insurance companies often add interest to monthly payments.

Increase the security

Boost your security by adding things like a steering lock, tracker, or ID kit.

Store your vehicle off the street

This could be in your driveway, garage, or a storage place approved by a motorhome group.

Reduce your mileage

If you don’t use your motorhome much, think about getting a policy with a mileage limit.

Increase your voluntary excess

Choose a higher voluntary excess. But make sure you can cover both the voluntary and required excess if you need to file a claim.

Sign up for a motorhome owners’ group

Some insurers give discounts to members.

How to insure a motorhome

Steps to getting motorhome insurance

To get motorhome insurance, you will need the following information to hand:

1. Information on your motorhome and how you use it

We need to know the make, model and age of your motorhome as well as its value and type of fuel. We’ll also ask how you use your motorhome, how many miles you think you’ll drive each year, and where you park it.

2. Your personal details

This includes your name, age, address and history of claims. We’ll want to know if you own other vehicles and if you’d like to add other drivers to your policy.

3. Your driving history and your licence

We’ll ask about your motorhome driving experience, the type of licence you hold, and how long you’ve had it.

Comparing motorhome insurance quotes

Getting a quote online is simple. Enter your vehicle registration number and provide a few details. We’ll then give you an insurance quote for motorhome coverage in minutes. Keep in mind the cheapest policy might not always represent the best value for money. So it’s important to understand what is and isn’t included in your cover so you know what you can claim for.