Motorhome Insurance
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Do I need motorhome insurance?
If you’ve got a motorhome, you need to have insurance. Just like with any other road vehicle, motorhomes need a minimum of third party insurance to legally drive on UK roads. The only way to avoid insuring your motorhome is if it is not being driven on public roads, or if it is officially declared off the road (SORN).
What does motorhome insurance cover?
Motorhome insurance covers recreational vehicles where the living space is separate from the cab or driving space. Similar to standard car insurance, there are three main categories of insurance as well as coverage specialised 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, and also covers your motorhome if it is stolen or damaged by fire.
Additional coverage options for motorhome insurance
Lookout 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 will typically 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 and your motorhome 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.
The cost of motorhome insurance in the UK
How much is motorhome insurance?
The cost of motorhome insurance 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 see how all of these factors impact the cost of your motorhome insurance premium is to get a personalised quote. This takes out all the guesswork, and helps you make informed decisions when insuring your motorhome.
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
Opt for 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 questions about your experience driving your motorhome, what kind of driving licence you have 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.
Motorhome insurance FAQs
Can you drive a motorhome on your car insurance?
Can you insure a motorhome for 6 months?
Is motorhome insurance cheaper than van insurance?
Can someone else drive my motorhome with my insurance?
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