Joining a motorhome club can unlock noticeable savings on insurance premiums alongside access to exclusive facilities and communities. UK motorhome owners can sometimes overlook these membership insurance discounts, missing opportunities to reduce annual costs by hundreds of pounds.
Below, we explain how motorhome club membership benefits your insurance, compares the advantages offered by different associations, and explores ways to maximise these perks.
How do Motorhome Club Memberships Reduce Insurance Costs?
Motorhome clubs negotiate group insurance deals that individual owners cannot access independently. Insurance providers view club members as lower-risk customers because of their demonstrated commitment to responsible motorhoming and access to training resources.
Club members can get discounts ranging from 10% to 25% on standard premiums. These membership insurance discounts reflect reduced claim frequency among club members, who benefit from shared knowledge, maintenance advice, and driving tips that help reduce accidents.
The savings extend beyond basic premiums. Some club policy benefits include preferential terms for breakdown cover, contents insurance, and specialist protection for modified or vintage motorhomes.
UK Motorhome Clubs and Their Insurance Perks
Different clubs offer varying insurance benefits, making comparison between them worthwhile before joining:
The Camping and Caravanning Club
Provides comprehensive insurance benefits through specialist providers, covering vehicles up to several tonnes with European travel protection as standard, and discounted breakdown cover with dedicated motorhome recovery services
The Caravan and Motorhome Club
Offers competitive group cover options with multi-vehicle discounts when insuring both cars and motorhomes, includes automatic European cover for up to 365 days, making it attractive for extended continental travellers
Exploring Association Insurance Perks Beyond Basic Discounts
Club membership offers the following insurance advantages beyond simple premium reductions:
- Legal expenses insurance – Protection for disputes following accidents or insurance claim disagreements, included with many membership packages
- Emergency assistance services – Complement standard motorhome insurance policies with message relay, emergency cash advances, and paperwork assistance abroad
- Technical support – Club professionals assist with insurance assessments following accidents, ensuring damage assessments accurately reflect repair requirements and prevent under-settlements
How Does Group Protection Work for Club Members?
Group cover options let clubs negotiate better terms than individual members can achieve independently. Insurance providers offer reduced rates because they guarantee volume business and can spread risk across similar customers.
Claims experience among club members tends to be better than the general motorhome population. This reflects knowledge sharing within clubs, safety training opportunities, and generally more experienced membership. Insurers recognise this reduced risk with preferential pricing.
Getting the Most From Your Club Insurance Benefits
To get maximum value from club membership, we recommend following these steps:
- Compare insurance offers from multiple clubs before joining, as some allow insurance access without full membership.
- Document your membership when applying for car insurance or other vehicle policies, as some providers extend discounts across multiple vehicles.
- Time your insurance renewal to coincide with club membership renewal for better discounts available to multi-year or long-standing members.
- Complete club training courses as some insurers offer additional discounts for members with course completion certificates.
The Role of Club Training and Its Insurance Impact
Some motorhome clubs provide training courses that can further reduce insurance costs. Defensive driving courses, reversing instruction, and technical maintenance training show a commitment to safe operation that insurers value.
Manoeuvring courses help prevent common motorhome accidents in car parks and narrow roads. Insurers recognise the reduced claim risk from trained drivers and may offer specific discounts for course completion certificates.
Specialist Cover Through Club Partnerships
Club insurance partnerships provide access to specialist policies that individual applications might not secure. Club schemes make vintage motorhome cover, import vehicle policies, and protection for unusual conversions more accessible.
Modified vehicle protection involves specific challenges for individual applicants. Club partnerships with specialist insurers who understand modifications can provide suitable insurance solutions without excessive loading or exclusions.
How Advance Insurance Gets the Most From Your Club Membership Benefits
Motorhome club membership creates genuine insurance value through discounted premiums, improved cover options, and specialist insurer access. Smart club selection based on insurance benefits can save substantial amounts annually, with savings alone possibly exceeding membership costs.
Advance Insurance specialises in arranging motorhome insurance and works with insurers who participate in club schemes to improve member benefits. Our understanding of which insurers offer club partnerships lets us guide members towards the best arrangements for their vehicle types and travel patterns.
Contact us today to discover how club membership could transform your insurance terms and costs.
