Motorhome Insurance

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Motorhome Insurance

Defaqto 5-star rated cover for your motorhome

Our Members’ Motorhome Insurance reviews

 

Service you can trust

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Designed for the touring lifestyle

With nearly 50 years of experience, we know what is important to you. We continually review our policies to keep them relevant to your needs

Caravan Cover

The Club that really cares

Our Motorhome Insurance is loved by members which is why more than 8 out of 10 renew with us*

We'll beat your renewal price

Send us proof of a current renewal invitation from your existing motorhome insurer and we’ll beat it by at least £25**

New for old

If you've owned your motorhome from new and it's written off within 24 months of purchase, we'll replace it with a new one

What does our Motorhome Insurance cover?

We know how precious your motorhome is to you, so we created our Motorhome Insurance scheme. In the table below, you can see a summary of cover and benefits:

Benefits of insuring your motorhome with us

Benefit

Details

New for old cover

New for old cover for up to 24 months from new - no mileage limit

£5,000 personal effects cover

Includes equipment and baggage, with a £500 individual limit, which includes portable TVs, DVD players and radios

Full policy cover for all journeys to member countries of the European Union (and others as shown in the policy wording)

Up to a maximum of 365 days in any policy year

Replacement lock cover

Following loss or theft of keys up to £1,000 (£100 excess)

Emergency overnight accommodation

Up to 10 nights at £150 per night

Temporary replacement car

While your motorhome is being repaired at an approved repairer, we'll provide a courtesy car to keep you mobile

No Claims Discount transfers

We will normally match the discount you have earned on another motorhome or campervan

Limited mileage discounts

If you only use your vehicle for small mileages over the full year you may be eligible for a premium discount

Full cover at the Club's events

Policy cover for all Caravan and Motorhome Club organised events

Left-hand drives

Left-hand drive models covered

Large engine size motorhomes, and American-style RVs

We can cover motorhomes with engine sizes over 4000cc and some types of America-Style RVs. To get a quote, on these vehicles, call us on 01342 649 905

Optional Protected No Claims Discount

Available for Club members holding at least 4 years No Claims Discount

Optional uninsured loss recovery service

Provides assistance following a non-fault accident, including legal expenses insurance up to £100,000 and 24-hour telephone helpline to give you and your family advice and assistance on any personal legal matter

Discount for successful completion of a driving course

Reduce your premium by completing the Club Practical Motorhome course

Why do I need Motorhome Insurance?

As a motorhome owner, you must always provide cover for your legal liability towards third parties, so you're covered if you have an accident causing damage or injury to any other person, vehicle, animal or property. Third-party insurance is a minimum legal requirement, unless your motorhome is registered with the DVLA as being off the road.

Motorhome insurance is motor cover specific to motorhomes, and is designed to protect owners from financial loss. It can provide cover towards the cost of repairs or replacement, if your motorhome is damaged in an accident, fire, or if someone tries to or actually steals it.

Some storage providers require insurance as a condition of using their storage facilities.

Top tips to get the best quote

There are a number of ways to make sure you get the best value for money.

  • Make sure the product is right for a motorhome and not a car/van policy which may not be appropriate for your needs.
  • Make sure you have the right security to deter opportunistic theft.
  • Make sure your motorhome is parked and stored safely and securely.
  • Provide accurate mileage estimates.
  • See if you can lower your premium by increasing your voluntary excess.

GET AN ONLINE QUOTE

or CALL US on 01342 649 905

(Phone lines open; Mon-Fri 8.30am to 7pm; Sat 9am to 5pm)

Frequently asked questions

 

 

  • Can I drive a motorhome with a normal car driving licence in the UK?

    In general, the answer is yes. Most drivers can drive most sizes of motorhome on a standard car driving licence, provided the weight of the motorhome isn't over 7500kg. However, a weight limit of 3500kg applies to drivers aged over 70, or a driver licensed since 1 January 1997, unless a medical test or additional test, respectively, is passed.

    The vast majority of motorhomes do not exceed 3500kg in weight, but it is worth double-checking if you are looking at larger models such as 'American Style RVs'.

    For full details, check out our technical advice page on licences for caravans and motorhome.

  • How much does motorhome insurance cost?

    As with most insurance policies, the cost of motorhome insurance is based on a combination of factors that the insurer uses in order to calculate the premium. For motorhomes and campervans, this might encompass a variety of vehicle and/or customer-specific factors, including:

    • value
    • size
    • complexity and age of the vehicle
    • the profile of the driver(s)
    • their claims history
    • how much (and where) the vehicle will be used
    • what security the vehicle has
    • where the vehicle will normally be stored.

    There are also running costs or expenses that have to be factored into the premium, such as the cost of systems and documentation, running a contact centre and claims administration.

  • How can I save on my motorhome insurance?

    There are a number of ways to ensure you get the best value for your money on a motorhome insurance policy. The most obvious is to shop around, but other things to think about include being realistic about your usage - many policies include low-mileage discounts.

    Think about whether you will be taking your van overseas and see if there are policies which specialise in this cover or allow you to remove this cover for a premium reduction if you know you won't need it. Think about the drivers you have named on the policy - some insurers base their premiums on the youngest or least-experienced driver listed on the policy (in other words, the person considered most likely to make a claim). What extra security have you got on the motorhome - and how secure is it when it is parked/stored? Where your vehicle is stored and how secure are both elements that will often impact on your premium. Finally, once you have narrowed down your search, take the time to call one or two providers, as they may well be able to help you minimise your premium. For instance, specialist insurance brokers are often able to apply flexibility that it's not possible for them to include within an online quote.

    The other obvious piece of advice is to be careful! Everybody knows that if you have to make a claim, or a claim is made against you, it is likely your premium will go up at the next renewal. Sometimes there is nothing you can do, but careful driving and manoeuvring, being sensible with your security and keeping the vehicle in a good condition are all ways in which you can decrease the likelihood of a claim, and a subsequent premium increase at renewal time.

    A word of warning though. Don't be tempted to make false economies, such as under-reporting the value of your vehicle, or giving false information, just to save a few pounds. At best, this will result in getting back a lower payout if the worst should happen or you could find a claim is denied or your policy is cancelled.

  • What's the difference between motorhome and campervan insurance?

    There are various types of motorhome available, but the difference between a motorhome and a campervan is a bit of a grey area - and is often in the eye of the beholder. Purpose-built (often called 'coachbuilt') motorhomes are easily identfiable, as are campervans that are built on standard manufacturer chassis - but how do you classify a conversion? At what point might a campervan become a motorhome?

    One of the standard 'body types' that can be listed on the vehicle's V5 logbook is 'Motor Caravan'. The Dept for Transport defines a Motor Caravan by four criteria - seats and tables; sleeping accommodation; cooking facilities; and storage facilities. If certain criteria are satisfied, the vehicle will be classified as a Motor Caravan. Otherwise it would still be classified as a 'Car' - this would apply to new builds and also anyone wishing to convert a van. For full criteria, see the Department for Travel page on internal features for motor caravans.

    In terms of insurance, some insurance companies may have slightly different rules depending on whether the vehicle is classified as a ‘Motor Caravan’ or not, but normally this is simply to offer an easy differentiation between a motorhome and a campervan. In general, there is almost no difference between motorhome and campervan insurance, as both types of outfit can be driven on a standard car driving licence (with the exception of some extremely outsized motorhomes).

See more FAQs

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