A motorhome is a vehicle that serves as both transportation and living accommodation. It can range in size from bigger vehicles, such as A-class, to smaller models, to self-built motorhomes or coach-built vehicles.
Motorhomes are spacious, with clearly defined living and driving areas, as well as permanent facilities such as sinks and cupboards. There is also a sleeping area. They're built to get you around the country. Campervans are often smaller, with only the most basic sleeping and kitchen amenities.
A campervan can be covered by car or van insurance depending on its features. Motorhomes are classified as a motor caravan by the DVLA and require a specialist policy for motorhome insurance UK.
We use your motorhome's registration number to validate it's a motorhome, we can offer you the best cover. We help you compare motorhome insurance quotes online alongside motorhome insurance comparison from a range of insurance providers. Some insurance providers may have an offer of motorhome insurance with breakdown cover. These are the ones to look out for which will be more value for money.
Motorhome insurance protects you whether it's parked up or on the road. A comprehensive cover, like car insurance covers:
The highest level of motorhome insurance available is comprehensive insurance. It normally covers the contents of the camper, including expensive camping gear and personal belongings that make your van feel like home. However, personal belongings cover can be added as an add-on.
Third-party theft and fire (TPTF) and third-party only (TPO) policies are also available. Although the quotations may be less expensive than comprehensive insurance, depending on your driving history and situation, you will be responsible for some or all of your repairs if you make a claim.
It is important to compare all three types of insurance to ensure you obtain the best policy at the best price. If you're going camping in Europe, you might be protected for driving abroad, depending on your cover
There are three levels of cover to choose from when getting a motorhome insurance quote:
Commuting – You are covered when travelling to and from a single place of business.
Usage in personal business - You're still covered for commuting to work, as well as business meetings and events that take place elsewhere.
Social, household, and recreational activities - non-business trips are covered, such as school runs, shopping, family vacations, and camping, but you cannot use the motorhome to commute to work.
Motorhome insurance costs depend on the following factors:
You may be able to save money on your motorhome or campervan protection in a number of ways:
Pay on a yearly basis - If you can, paying your insurance all at once will save you money.
Enhancements to security - Consider security equipment such as alarms and wheel clamps, albeit the cost of installation may take a few years to recoup through insurance savings.
Get the correct self-build cover - Modifications to any vehicle might increase the cost of insurance. If your motorhome has been significantly modified or you built it from scratch, insurers who specialise in this area may be able to cover it for less.
Become qualified - Obtaining advanced driving certifications may get you a discount.
Park in a secure area - If you have a garage or driveway, use it instead of parking on the street. This has additional risks and can raise your insurance premiums.
Add-ons should be avoided at all costs- Only purchase the extra insurance features you require.
Shop around - Compare motorhome insurance quotes to find the cheapest price.
How much does motorhome insurance cost in the United Kingdom?
One of the largest annual expenses of owning a motorhome is insurance, which normally costs between £300 and £400 per year. (28 November 2020)
What size motorhome can I drive in the United Kingdom?
In the United Kingdom, motorhomes must be less than 12 metres long and 2.55 metres wide to be registered. Driving mirrors, rear bumpers, headlights, and reflectors are not included in the measurements.
Is a specific licence required to operate a motorhome?
A motorhome weighing up to 3.5 tonnes can be driven by anyone with a full UK driving licence (3,500kg). To drive a motorhome weighing more than 3.5 tonnes, the driver must have taken their test before January 1, 1997, and so be capable of driving a vehicle weighing up to 7.5 tonnes (7,500kg). If the driver completed their test after 1st January 1997, they will need to take a special test to be allowed to drive this weight of motorhome. The same applies for anyone wanting to drive a vehicle that weighs more than 7.5 tonnes.
Is it true that motorhome insurance is less expensive than van insurance?
In general, leisure vehicles, such as campervans, are less expensive to insure than panel vans. This is due to the fact that they have fewer claims, travel less miles, and aren't used for commercial purposes. Campervan insurance is often 10% to 50% less expensive than van insurance. (19 November 2020)
What is the maximum number of passengers that can travel in a motorhome?
You can only drive the same number of people as there are seatbelts if there are seatbelts. If there are no seat belts, visit your owner's manual to learn more. The majority of motor homes can accommodate at least 4–6 people, including the driver.