Like to live life on the road? Compare your motorhome insurance options.
A motorhome can offer the best of both worlds, the convenience and freedom of a car with the comfort and security of the family home. But if you plan to hit the road on your holiday, it’s important that you’re properly covered.
See how motorhome insurance works and how you can save.
Do I need insurance for my motorhome?
Yes, it is a legal requirement to have insurance to cover your motorhome, regardless of how often you use it. You need at least third party insurance to drive a vehicle on UK roads, and this also applies to motorhomes.
The only time you wouldn’t need insurance is if you get a Statutory Off Road Notification (SORN) to declare your motorhome remains off the road.
How much does it cost to insure a motorhome?
The cost of motorhome insurance depends on the level of cover you need, as well as things like your age, location, driving experience and the type of motorhome you have. You’ll typically pay more for motorhome insurance than you would for regular car insurance, especially if you choose to add optional policy extras like breakdown cover, EU cover or contents insurance.
What does motorhome insurance cover?
Motorhome insurance generally offers the same level of cover as regular car insurance and is designed to protect you in the event of an accident. You have the choice of three types of cover:
- Third party. This is the minimum level of insurance required to legally drive your motorhome in the UK. It covers against any damage you cause to another party in an accident but does not cover any damage done to your vehicle.
- Third party, fire and theft. Along with covering any damage you cause to another person or vehicle, this type of insurance also protects you in the event your motorhome is stolen or damaged by fire.
- Comprehensive. The highest level of cover, fully comprehensive insurance covers any damage done to your motorhome, even if you were at fault.
Some motorhome insurance policies may also cover the contents of your motorhome. However, this may also be covered by your existing home contents insurance, so it’s important to check if this is the case before taking out a new policy.
What vehicles can motorhome insurance cover?
Motorhome insurance should cover any motorised caravan that can be driven on the road. This includes motorhomes, campervans, RVs, as well as customised vehicles that can be used for accommodation.
If you have a touring caravan or a similar structure that cannot be driven, you will likely not need to take out motorhome insurance.
Standard motorhome insurance is unlikely to cover the following:
- General wear and tear
- Vehicle breakdown
- Damage from business use
- Damage due to a lack of security
How can I save on my motorhome insurance?
There are a number of things you can do to save on your motorhome insurance:
- Compare a range of options. Don’t just go with the first policy you find or even your current insurance provider. Always do your research to find the best deal.
- Pay annual premiums. While it may be tempting to opt for monthly premiums, you will generally save money by paying your premium on a yearly basis.
- Improve your security. You’ll generally pay less for your insurance if you park your motorhome in a secure location and fit it out with cameras, alarms and wheel clamps.
- Get the right level of cover. Understand your insurance requirements so that you don’t end up paying for unnecessary cover that you won’t use.
- Build a no-claim bonus. You’ll receive a discount to your premium if you don’t make any claims for a number of years. This means you shouldn’t make a claim unless it is absolutely necessary.
How to get the best motorhome insurance
The best motorhome insurance may offer the following features:
- EU cover
- Contents insurance
- Breakdown cover
- Accidental damage cover
- Windscreen cover
Ultimately, the best motorhome insurance policy is one that provides the right level of cover for the lowest premium.
Things to look out for when choosing a motorhome insurance policy
- The size of the excess. The insurance excess is the amount you have to pay when you make a claim. You can generally reduce the size of your premiums by setting a higher voluntary excess, but this means you will need to pay the larger amount whenever you make a claim.
- You select the right level of cover. If you want protection against damage caused to your motorhome, you’ll need to get comprehensive insurance. If you just want basic cover, you can opt for third party insurance.
- You list all likely drivers. If multiple people will be driving the motorhome, it’s important that they’re all listed on the policy.
Frequently asked questions
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