Motorhome claims overview

Last year, our Motorhome and Campervan Insurance policies paid out the vast majority of all submitted claims.

We all know that your insurance is only as good as the claims payment record. Here at the Club, we are proud of the high level of claims that are paid out every year for our Motorhome and Campervan Insurance products.

Although theft claims cost more to resolve, the highest volume of claims were for accidental damage. So what do we do with accidental damage claims - and how can you avoid them? Depending on how serious the claim is, a loss adjuster may be asked to investigate it to establish the extent of damage and likely cause, if unknown. A loss adjuster’s assessment is independent, and they don’t represent the insurer or the owner of the vehicle. Loss adjusters usually have a dedicated team with a large combined industry experience and knowledge.

Accidental Damage claims are all too often caused by:

• The height of the motorhome or campervan was not properly calculated, and it then hit a height restriction barrier
• Manoeuvring to avoid another vehicle and hitting the roadside shrubbery, causing external and internal damage
• Being tired after a long journey, and clipping the post/gates when entering a campsite.

Rest assured, if you have the Club’s Motorhome or Campervan insurance, accidental impact damage to your outfit is something that is covered under our policy, and we/ the insurer will work hard to get your outfit repaired and ready to get back on the road. We know that you would much rather be out and about with your motorhome or campervan. Obviously, the best thing is to prevent these accidents from happening in the first place, so take your time manoeuvring out of tight spots, don’t let other drivers hurry you unnecessarily and drive more cautiously on unfamiliar terrain.

If you want to polish up on your driving skills or are new to motorhoming/caravanning, we have a training course for every level of experience. Our Motorhome or Campervan Manoeuvring course is ideal for both first-time motorhome or campervan owners and for more experienced motorhomers and campervanners. Plus, once you’ve completed the course, you can get a discount on your Motorhome or Campervan insurance, as well as on your Car Insurance, with the Club (discounts can be applied when you take out cover or at your next renewal).

We want everyone to have many happy and safe touring adventures throughout 2026 and beyond.

Last updated February 2026.