Camper van insurance
Need insurance for your camper van? Compare coverage and protect your home on the road.
Camper vans are your home on the road, so it’s important to find the right insurance to cover them inside and out. If you’re planning to travel the length and breadth of the UK, camper van insurance can provide coverage for a wide range of losses including accidental damage, fire, theft, storm and malicious damage.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
What is covered by camper van insurance?
Just like car insurance, camper van insurance is available in three different cover levels.
Third party insurance – Provides cover for any damage caused by you to other people, to third party vehicles or property.
Third party fire and theft insurance – Provides cover if your camper van is damaged by fire or is stolen in addition to cover for damage caused by you to other people, third party vehicles or property.
Comprehensive insurance – Provides the maximum level of cover for any damage caused by you to other people, to third party vehicles or property as well as any damage to your vehicle from an accident or from fire or theft.
Most policies will also have specific types of damage that are covered and specific circumstances in which you can claim benefits.
Policies can provide cover for:
- Caravan and annex cover: Covers damage to the trailer, awnings or extensions, up to the maximum value specified in your policy.
- Contents cover: Covers the cost of replacing or repairing items such as luggage that are lost or damaged when inside the caravan or annexe, up to the maximum value specified in your policy.
- Theft or attempted theft: Replacement or reimbursement for the total cost in the event of your camper van being stolen, or cover for the cost of damage caused by attempted theft.
- Temporary accommodation: Cover for the cost of temporary accommodation if you are unable to stay in your camper van as a result of an insured event.
- Legal representation: Cover for the cost of legal representation required as the result of a successful claim, such as if you need to appear before a Magistrate as a result of someone being run over by your camper van.
- Emergency repairs: Covers the cost of emergency repairs needed to restore the camper van to a roadworthy state.
- Accident recovery and repairs: Covers the cost of moving the camper van to an approved mechanic or a safe location following damage that renders it unusable.
- European cover: Covers you if you plan to take a trip across Europe for a specified period.
Where applicable, you can only claim these benefits if the damage was caused by an insured event according to the terms of your policy. Often, policies will cover almost any kind of damage, except those specifically excluded.
Additional options worth considering
- Annex cover: Cover for your extension, like a wall, awning or shade.
- Additional contents or annex cover: Raises the limits of your contents insurance or annex coverage.
- Transport of camper van by rail or sea: Covers your camper van while it’s being transported by sea or train.
- Laid up cover: Allows you to reduce your premiums by selecting a laid up period in which you know you won’t be using the camper van. You will not be insured during the selected lay up period.
- Malicious damage or vandalism
- Any other natural weather event
- Theft or damage resulting from attempted theft
- Any type of physical damage not specifically excluded by the policy
What is not covered?
Policies will always specify exclusions. You cannot make a claim for any kind of damage that results from an excluded event, even if it might initially appear to be covered.
For example, one common exclusion is the actions of trees or their roots. Even though you may be covered for impact damage, you still won’t be able to claim for a tree falling on your camper van if your policy contains this exclusion.
Picking a policy: How much cover do I need?
To get an idea of how much cover you need, consider the value of your camper van, the value of the belongings you’ll keep inside it and whether or not you’ll need cover for your extension.
Your camper van: This is the vehicle itself, as well as its permanent fixtures, fittings included by the original manufacturer as standard inclusions and aftermarket accessories or optional extras that you have attached.
- You should generally get enough cover to completely replace the camper trailer in the event of a total loss.
Your camper van annexe: This is any structure attached to the camper van when it’s set up. Different policies may define annexes slightly differently.
- This is often an optional inclusion and you can choose not to get it if you want to keep costs down, or if you don’t need it.
- If you will be keeping belongings inside your annexe or you want to be able to claim for damage to it, this type of cover is a good idea.
Your camper van contents: Belongings kept inside the camper van or annexe.
- Policies will typically include a certain amount of contents insurance by default, but it may not be enough for your needs. Check the limits of the contents insurance in your policy and weigh them up against the value of your items.
- You will often have the ability to select additional contents coverage. This could be important if you’ll be living in your camper van for extended periods of time, you have valuable items that need cover for or you want more cover.
How much does camper van insurance cost?
The cost of your policy depends largely on your total sum insured, the options you’ve selected and the make and model of your camper van.
Factors that impact the price of the policy include:
- The year, make and model of camper van
- The replacement value of the camper van and the contents included
- The address where the camper van is kept
- Whether the camper van is watertight, structurally sound and well maintained
- Whether or not the camper van is used for business purposes
Your chosen excess also impacts your annual premium. By choosing a higher excess you can receive lower premiums, or you can opt for a lower excess at the cost of higher premiums.
Keeping your camper van safe
The terms of your policy require you to take sensible precautions in order to maintain your camper van and keep it safe.
- Fight mould and mildew: Air out the inside of your camper van as soon as possible if it gets wet and clean canvas parts regularly by hosing them down and making sure you’ve removed all the grime and dirt.
- Store your camper van carefully: Don’t let metal parts remain in contact with canvas pieces for long periods of time, as they can start corroding more quickly and stain the fabric. Keep metal parts safe and dry and separate from the fabric.
- Make prompt repairs: The longer you let a rip or a crack go unattended for, the more problematic it can become. Insurance won’t cover repairs for old damage, or damage that could have been prevented by proactive repairs.
- Use protective coatings: Rust-proofing, weather-resistant paints and other protective coatings can go a long way towards extending your camper van’s lifespan and reducing the odds of damage that cannot be claimed.
- Prevent incidents: Anti-theft devices and other safety devices can help prevent problems and could even earn you a discount on your camper van insurance.
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