Compare Campervan Insurance Quotes

Campervan insurance is a legal requirement if your vehicle is used or parked on public roads, and it also protects you financially if something goes wrong while travelling.

Unlike regular cars or vans, campervans carry personal belongings, modifications, and often double as temporary accommodation.

A standard motor policy won’t account for fitted kitchens, sleeping areas, or long-term storage of tools, bikes, and travel gear. That’s why campervan insurance is built differently—it recognises that your vehicle is more than transport.

If your camper is stolen, damaged, or involved in an accident, a dedicated policy helps you recover the costs of repairs, replacements, or third-party claims. It can also include breakdown support, onward travel cover, and even compensation if your trip is cut short.

From converted vans to classic VW campers, having the right cover in place isn’t just about meeting legal obligations—it’s about making sure your lifestyle on the road is protected too.

Campervan insurance typically includes protection for your vehicle, your belongings inside it, and any damage or injury you may cause to others while on the road.

It’s built around how campervans are actually used—not just how they’re driven.

Here’s what’s usually included:

• Third-party liability – Covers injury or damage caused to others. Legally required for all road use.
• Accidental damage – Repairs your camper if it’s damaged in an incident, even if it’s your fault.
• Fire and theft – Covers loss or damage due to fire, attempted theft, or vandalism.
• Windscreen cover – Repairs or replaces cracked or broken windows.
• Personal belongings – Covers items like cookware, bedding, and camping gear kept inside the camper.
• Legal expenses – Helps with solicitor costs following a claim or dispute.
• Recovery or onward travel – Some policies include support if your trip is cut short or the vehicle breaks down.

Standard van insurance won’t cover fitted interiors or travelling with personal items. Campervan cover is tailored for life on the road—protecting the vehicle, the experience, and everything in between.

Campervan insurance won’t usually cover wear and tear, undeclared modifications, or using your van in ways not agreed in the policy.

Knowing what’s excluded can prevent expensive surprises later.

While each insurer’s terms differ slightly, here are common exclusions to watch out for:

• Full-time living – Most policies don’t cover campervans used as your permanent residence unless explicitly stated.
• Undeclared modifications – Any alterations not listed at quote stage may void your cover.
• Business or commercial use – If you’re using your campervan for work or hire, you’ll need a different type of insurance.
• Wear and tear – Gradual damage, such as rust or mechanical breakdowns through age, are not typically covered.
• Unattended theft – If items are stolen from an unlocked vehicle or one without visible signs of forced entry, claims may be denied.
• Driving outside of agreed regions – Travelling beyond the agreed countries (e.g. outside the EU without additional cover) can invalidate your policy.

The best way to avoid issues is to be upfront about how your campervan is used, what you keep in it, and where it’s stored. Transparency leads to better protection—and fewer headaches if you ever need to claim.