Motorhome Insurance
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Why Compare Cheap Motorhome Insurance with SimplyQuote
Driving on the road is stressful enough, but driving a motorhome or campervan is next level! Not only do you have to worry about not causing an accident but you also have to be wary of other drivers bashing into your vehicle!
Also, it’s a legal requirement in the UK to have the right insurance policy in place – no matter what vehicle you drive. But finding the time to compare multiple insurance quotes from multiple insurance providers can be daunting and stressful, right?
Luckily, SimplyQuote has a simple solution: the 100% free, online comparison tool.
Access a wide range of suitable insurance quotes from leading UK insurers in just a few clicks. Finding the perfect motorhome insurance provider has never been this simple!
What Do You Need To Get A Quote?
Please provide SimplyQuote with the following information:
- Personal details – name, surname, contact info, age, driving licence
- Motorhome/campervan details – make, model, size, age, average mileage
- Driving details – what the motorhome is predominately used for (social, commuting, etc.)
- Policy details – the level of cover you’re interested in
- Insurance details – claims history
Why Do You Need Motorhome Insurance?
You need motorhome insurance because it is a legal requirement in the UK. Plus, if you are involved in an accident, motorhome insurance could save you thousands of pounds in damages and compensation claims.
Motorhome insurance is designed exclusively for motorhomes, campervans and recreational vehicles (RVs). Unless you declare your motorhome to be off-road, you are legally required to have your vehicle sufficiently insured at all times.
Motorhome insurance is completely different from caravan insurance because motorhomes qualify as vehicles, like cars and vans (because it has an engine whereas caravans do not), and therefore require specific vehicle insurance.
A motorhome is a massive investment and one you want to protect as much as possible when out on the road.
What Does Motorhome Insurance Cover?
Motorhome and campervan insurance covers various road-related risks and liability claims and will cover you in the event of:
- Car accidents
- Repairing damage to your motorhome or third-party vehicles
- Fire damage
- Theft and damage caused by break-ins/vandalism
- You and your passengers as well as pedestrians and other drivers on the road
Are there any motorhome insurance exclusions?
Yes, there are a few things motorhome insurance will not cover and you’ll need to take out additional policies to ensure you are sufficiently covered:
- Breakdown cover
- Insect or vermin damage
- Travelling abroad (i.e. EU cover)
- Permanent use
- Stolen contents (a.k.a. personal belongings)
- General wear and tear
- Uninsured drivers not named on your policy
- Malicious or intentional damage caused by the owner
- Costs incurred due to negligence
- Driving with a suspended/expired driving licence
- Driving under the influence of drugs or alcohol
What Are The Types Of Motorhome Insurance?
There are three main types of campervan insurance cover in the UK:
Social-only (SD&P)
Social, domestic and pleasure (SD&P) motorhome insurance covers the everyday use of your motorhome. This includes driving to and from the shops, picking up friends and family, or going on road trips.
Note: SD&P does not cover any work-related cover such as commuting.
SD&P and commuting
As implied, social including commuting covers everything that SD&P does, in addition to basic work-related motorhome usage, such as commuting.
Business use
If you’re planning on using your motorhome in every aspect of your work life, it would be best to take out business use insurance.
If your commercial activity involves a lot of driving from different sites or frequently travelling to visit different clients and customers, business use insurance would be your best bet.
What Levels Of Motorhome Insurance Can You Get?
As with any standard motor car insurance policy, motorhome cover has three levels to choose from:
Third party only (TPO)
Third-party only is the most basic level of motorhome insurance cover available and is a minimum legal requirement for all motorhomes in the UK.
If you plan on driving on UK roads in a motorhome, you need to invest in third-party cover. This type of insurance premium will cover the cost of compensating other drivers should your motorhome cause damage to their vehicle or themselves.
Note: It does not cover repair or replacement costs of your motorhome/campervan/RV.
Third-party, fire and theft (TPFT)
This will provide you with general third-party cover and also insure your vehicle against damages caused by fire or in the event of it being stolen.
Note: This policy still doesn’t cover repair costs of your motorhome/campervan/RV if it is damaged in an accident.
Fully comprehensive cover
Fully comprehensive insurance covers everything, including theft, fire damages, personal medical expenses, repairs and general damage that your motorhome may sustain when in use.
If you are involved in an accident (that you are to blame for), fully comprehensive insurance will cover the compensation costs you owe to other motorists.
Tip: We’d recommend taking out a fully comprehensive cover as it safeguards you against all potentialities. Although it may be the most costly, it will save you money should you find yourself in an accident.
What Add-Ons Are Available For Motorhome Insurance?
As mentioned, there are some exclusions that motorhome and campervan insurance will not cover. To ensure you are adequately covered, you can add any of the optional extras below to your motorhome insurance policy:
Motorhome breakdown cover
Standard campervan insurance does not cover electrical or mechanical breakdowns. This is similar to common car insurance premiums, which also don’t cover breakdown costs. You should take out this separate breakdown policy, particularly if you’re driving an older model.
Note: Includes roadside assistance and may include towing services.
Insect or vermin damage
Being out in the countryside, your motorhome is exposed to all kinds of insects and vermin. It’s important to invest in proper pest damage insurance.
EU Cover
It’s unlikely your standard insurance provider will pay out for claims made while travelling abroad. You most likely need a separate European cover policy should you drive your campervan across the UK border.
Permanent use
If your motorhome becomes your permanent transport and living accommodation, you definitely need to invest in a special insurance type for your circumstances.
If not, damage claims may not be approved by your insurance provider.
Stolen contents
Insurance companies are unlikely to pay out for stolen items if there is no clear evidence that your campervan has been broken into.
You must invest in this insurance add-on to protect your personal belongings such as GPS navigation systems. Alternatively, avoid keeping valuables inside your campervan.
Note: It is also known as personal possessions or personal belongings cover.
Windscreen cover
This will cover the cost of repairing cracks and chips that appear on your windscreen as well as a full replacement if needed.
Awning cover
The awning of your motorhome may get damaged during bad weather – make sure you take out awning cover to save money should it need to be repaired or replaced.
How Much Does Motorhome Insurance Cost?
On average, you can expect to pay around £425 per year for standard motorhome and campervan insurance.
In comparison:
- Touring caravan insurance = £152 per year
- Static caravan insurance = £135 per year.
What Influences Motorhome Insurance Prices?
The price of motorhome insurance policies is influenced by several factors such as the size and type of your vehicle (including motorhome replacement cost), what it is used for and the level of cover you choose.
Type of motorhome
Obviously, the higher the value of the motorhome model, the more expensive your insurance premium will be.
For example, if you’re looking to insure a Fiat Ducato or a Nissan e-NV200, you can expect to pay a lot more than for insuring the likes of a Swift Edge or other budget models.
Vintage motorhomes, such as a VW Camper, also require high insurance premiums. This is partly because a vintage model is more likely to break down, but also because they have a high selling price.
Motorhome use
This relates to what type of insurance you’re taking out, such as SD&P or business use.
Level of cover
Generally, fully comprehensive insurance is more expensive than standard TPO cover.
Vehicle security
If you can prove to the insurance provider that your motorhome is kept safe in a garage when not in use, has central locking, or an immobiliser, you may attain cheaper insurance.
Location
Insurance providers will assess your home address and judge how likely your motorhome is to be stolen or vandalised. High-crime or flood-prone areas typically have higher premiums.
Driver age and driving experience
Like regular car insurance, your age and driving experience impact the price of your premium. Young drivers with little driving experience can expect to pay higher premiums, whereas older drivers with a wealth of driving experience may find their premiums to be significantly reduced.
In the UK, you have to be at least over the age of 21 and under the age of 79 to insure a motorhome.
Mileage
An insurance provider will assess the mileage of your motorhome to determine how frequently it gets used. Regular use means more risk to the insurer. So, the higher the mileage, the more you’ll have to pay for insurance.
Access to other vehicles
Having another car for daily/personal use can reduce your insurance premiums as motorhome owners are less likely to use their van for day-to-day driving.
How Can You Get Cheaper Motorhome Insurance Rates?
Here are a few ways to get cheaper rates on your motorhome policy:
Compare quotes
Take the time to go through the insurance options and choose the one that best suits your situation.
Pay your premiums upfront
Depending on the insurance provider, you can often save on your motorhome insurance policy if you offer to pay for the annual premium upfront instead of monthly payments.
Paying annually in one sum will also mean you don’t have to cover monthly interest payments.
Improve motorhome security
Insurance savings can be made if you reduce the risks associated with storing the vehicle. Your insurance premium could be cheaper if you park your camper in a private driveway or garage instead of a public road.
The insurance provider would be more inclined to offer you a cheaper rate if you install security cameras or sensors, to reduce the risk of theft. You could also consider installing an advanced alarm system, ID kit and tracking device.
Get the right cover for modified motorhomes
If your motorhome is heavily modified, standard insurance providers may be unable to provide you with affordable insurance premiums. SimplyQuote will help you find insurance companies that specialise in insuring customised vehicles.
Advanced driving qualifications
You could enrol in any number of advanced driving courses, including IAM RoadSmart or RoSPA Advanced Driving Course. There are also several motorhome-specific advanced driver courses available, such as the Motorhome Manoeuvring Course.
Attaining advanced driving qualifications proves to your insurer that you can be trusted behind the wheel, which may encourage them to offer you lower insurance prices.
Keep mileage low
Don’t drive your motorhome unnecessarily if you want to keep the mileage low.
You’ll likely have to pay more for insurance if your motor caravan has high mileage.
Consider the add-ons
Avoid paying for add-ons you don’t need.
For example, don’t add on European cover if you don’t plan on driving outside of the UK.
Increase your excess rate
By increasing your voluntary excess rate, you are guaranteed to get cheaper insurance. However, this means that you will have to pay more in the event of a claim, or will have to cover most of the bill for a motorhome replacement.
Motorhome club membership discounts
It is possible to reduce the price of your insurance by signing up for a motorhome owners club, however, the effect this has on your premium depends on the provider.
How To Compare Motorhome Insurance Quotes With SimplyQuote?
Finding a cheaper motorhome insurance provider with SimplyQuote is simple and stress-free:
- Fill in the short form: Tell us about yourself, your motorhome/campervan/RV and what it is used for.
- Pick policy add-ons: Choose which additional cover add-ons you want.
- Compare quotes: Find a quote to suit your budget with SimplyQuote’s online comparison tool.
- Save money: Get the best deal and start saving today!
Frequently Asked Questions
Motorhome insurance is a type of vehicle insurance specifically designed for motorhomes, campervans and RVs. It safeguards your vehicle against incidents on the road.
In the event of an accident, insurance can be used to cover the cost of damages caused to your car. It also covers yourself and your passengers for accidents and will pay for claims made against you by another driver when involved in a collision.
A motorhome has the same legal entity as any other vehicle and therefore is legally required to have insurance.
However, if you declare your vehicle as a Statutory Off-Road Notification (SORN) with the DVLA, you are not required to get it insured.
You cannot drive a motorhome using regular car insurance – you need specialist motorhome insurance. Motorhomes are used for different purposes than cars, so they require a different form of motor insurance.
You can use your regular driver’s licence to drive a motorhome if the vehicle weighs less than 3,500 kg (3.5 tons).