Motorhome Insurance
Your Pride And Joy, Our Passion!
Motorhome insurance for your home on wheels. With access to a range of specialist insurers, let us find you the policy that protects you while home and away.
What is Motorhome Insurance
Motorhome Insurance is a specialised type of vehicle insurance designed to cover motorhomes, also known as RVs (Recreational Vehicles).
Motorhome Insurance provides cover tailored to the unique needs of motorhome owners, including protection for the vehicle itself, personal belongings inside, and liability for accidents or damages caused while driving or parked.
Insurance Cover for UK Motorhomes
We are able to provide insurance cover for all types of Motorhomes and Campervans. These can include A-Class, Coach-built and Low-profile Motorhomes, to your van currently being converted into a campervan. All types of cover can be obtained including full European cover, Glass cover, and cover for your vehicle contents.
Specific Requirements?
We also offer Motorhome Insurance for Over 50s
What Makes Motorhome Insurance Different from Standard Vehicle Cover?
Motorhome insurance represents a specialised form of protection designed specifically for motorhomes and campervans that serve dual purposes – both transport and your home away from home.
Unlike conventional car insurance, motorhome insurance policies recognise that these vehicles carry significant personal belongings, feature expensive fixtures and fittings, and often spend extended periods stationary at campsites or storage facilities.
The unique nature of motorhomes means they require tailored cover that accounts for their higher values, specialised equipment, and the lifestyle they enable.
Why Do You Need Specialist Motorhome Insurance?
Insurance for a motorhome is a legal requirement – all motorhomes driven on UK roads must carry at least third-party insurance cover.
However, given the investment these vehicles represent, motorhome insurance becomes essential. Standard car insurance policies simply don’t provide the specialist motorhome insurance cover you need for your home on wheels.
Our specialist motorhome insurance policies provide cover for all types of motorhome, including:
- A-Class Motorhomes – These luxury vehicles require insurance that reflects their premium nature and higher motorhome insurance cost
- Coach-built Motorhomes – Traditional motorhomes built on commercial chassis need specialist motorhome protection accounting for their specific construction
- Low-profile Motorhomes – These aerodynamic vehicles often feature sophisticated technology requiring specialist insurance
The difference between motorhome insurance often relates to vehicle size and facilities, but we ensure appropriate cover for your motorhome regardless of type.
What Does Motorhome Insurance Cover Include?
Our access to multiple insurance providers enables us to build motorhome cover that protects your investment. Standard motorhome insurance cover typically encompasses:
Liability Protection: Liability Protection forms the foundation of any motorhome policy, covering personal injury claims and property damage. This essential level of cover ensures protection against potentially devastating financial claims.
Contents Insurance: Contents Insurance recognises that motorhomes carry significant personal items. Unlike home contents insurance which protects items in your property, this covers belongings stored in your motorhome.
Motorhome Breakdown Cover: Motorhome Breakdown Cover provides essential roadside assistance and recovery services. This breakdown cover offers peace of mind during travels, particularly valuable when you travel with your motorhome across the UK and Europe.
Emergency Expenses Cover: Emergency Expenses Cover helps manage unexpected insurance costs when your motorhome becomes uninhabitable following an insured event, covering temporary accommodation whilst repairs to your motorhome are undertaken.
European Travel Insurance: European Travel Insurance enables worry-free continental adventures. Unlike standard travel insurance, this extends your motorhome cover across EU member states, allowing you to drive your motorhome abroad with confidence.
What Special Considerations Apply to your Motorhome Insurance Quote?
Several factors influence the cost of motorhome insurance:
- Storage location significantly impacts the price you pay for insurance – keeping your motorhome in secure compounds typically reduces insurance premiums compared to public road parking.
- Annual mileage affects your insurance quote – smart motorhome owners who use their vehicles primarily for holidays often benefit from lower motorhome insurance costs.
- When you insure your motorhome, insurers consider maximum authorised mass and whether you use your motorhome for business purposes.
- The type of insurance you need depends on how you use your motorhome – recreational use differs from full-time living arrangements.
Get a quote to discover how these factors affect your premiums.
Insuring a Motorhome: Frequently Asked Questions
Our team can help you compare motorhome insurance options, explaining how different insurance policies work and which motorhome insurance cover suits your needs. Whether you need temporary motorhome insurance for occasional use or annual cover, we’ll find insurance tailored to your requirements. Call us today to discuss your options.
Finding cheaper motorhome insurance doesn’t mean compromising on essential cover. Smart strategies to reduce the cost include:
- Secure storage arrangements for your new motorhome
- Limited annual mileage agreements
- Building no-claims discount from previous van insurance or car insurance policy
- Installing approved security devices
- Joining recognised motorhome owners clubs
Many motorhome insurance providers offer discounts for combined home insurance policies or multiple vehicle cover. When you pay for your motorhome insurance annually rather than monthly, you’ll often reduce insurance costs further.
Using your motorhome for business requires specific cover adjustments. Standard motorhome insurance policies assume recreational use, so commercial activities need appropriate insurance in place.
Home insurance policies typically exclude items stored in vehicles. Dedicated contents insurance within your motorhome policy ensures belongings remain protected.
This specialist cover recognises the unique risks of storing valuables in mobile accommodation.
At Advance Insurance, we offer a wide range of insurance products, including cover for cars, motorcycles, motorhomes, caravans, and imported vehicles. We also provide tailored policies for classic cars, modified cars, and chauffeur services, along with household and travel insurance, ensuring comprehensive protection for all your needs.
Contact Us
For any motorhome insurance enquiries or general queries please contact us
Motorhome Insurance Guide
