Motorhome Insurance
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Motorhome insurance for your home on wheels. With access to a range of specialist insurers, let us find you the policy that can protect 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 can provide 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 can arrange 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. Cover can be obtained including full European cover, Glass cover, and cover for your vehicle contents.
Specific Requirements?
We can also arrange 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 costly 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 is recommended. Standard car insurance policies simply don’t provide the specialist motorhome insurance cover you need for your home on wheels.
Specialist motorhome insurance policies can 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 can help to find 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 helps protect 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 level of cover ensures protection against potentially serious 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 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 can help manage unexpected 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 travel. Unlike standard travel insurance, this extends your motorhome cover across EU member states, allowing you to drive your motorhome abroad with confidence.
Temporary Motorhome Insurance
Not every trip needs a full annual policy. Temporary motorhome insurance is short-term cover that runs for a set number of days rather than a year. It suits occasional use, a one-off journey, or a gap before an annual policy starts. We can arrange short-term cover alongside standard annual motorhome insurance, so you only pay for what you need.
Who might need short-term cover?
Temporary cover tends to suit:
- A short trip or holiday in a motorhome you use only now and then
- Borrowing a motorhome from family or a friend, without affecting their annual policy
- Lending your own motorhome to someone else for a trip
- Buying or collecting a motorhome and driving it home before the annual cover begins
- Adding a driver for one leg of a longer journey
How long does temporary motorhome cover last?
Short-term motorhome insurance is usually arranged in days or weeks rather than months. The exact minimum and maximum depend on the insurer, so it is worth asking us what is available for your trip. If you plan to use the motorhome regularly through the year, an annual policy is normally better value.
Temporary or annual cover: which is right?
Annual cover is the sensible choice for regular use, and it can include extras such as breakdown and European travel. Short-term cover is built for one-off or occasional use. Because it is arranged separately, borrowing or lending a motorhome on temporary cover need not affect anyone’s no-claims discount. We can talk both options through and point you to whichever fits.
What does temporary motorhome insurance cover?
Short-term cover works much like an annual policy for the period it runs. It can start at third-party liability, with comprehensive options covering accidental damage, fire and theft. European cover may be available if you are taking the motorhome abroad, so tell us your plans. Ask us what each option includes before you buy, as the detail varies between insurers.
Motorhome Breakdown Cover
A breakdown in a large, heavy vehicle is not the same as one in a car, so motorhome breakdown assistance cover is well worth having. It provides help at the roadside and recovery if the motorhome cannot be fixed on the spot. Motorhome breakdown insurance, as it is sometimes called, is designed around the size and weight a standard patrol vehicle may not be able to handle.
Roadside assistance and recovery
Roadside assistance covers the effort to get you moving again where you have stopped. If that is not possible, motorhome recovery cover moves the vehicle, and you, to a garage or another safe place. Cover for larger vehicles takes account of their height, length and weight, which matters when a standard van cannot lift or tow a motorhome.
European breakdown cover
If you tour abroad, European breakdown cover extends the same help across the continent. Depending on the policy, this can include getting you and the motorhome home from abroad when it cannot be repaired in time. Onward travel or overnight costs may also be available. It is worth checking exactly what the cover includes before a long trip.
Is breakdown cover included or optional?
Motorhome breakdown assistance can form part of a policy or be added as an extra, depending on the insurer. Tell us how and where you travel, and we will make sure the recovery cover matches your plans rather than leaving a gap.
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. 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 to discuss your options.
Finding reasonably priced motorhome insurance doesn’t mean compromising on recommended cover. Smart strategies to reduce the cost include:
- Secure storage arrangements for your motorhome
- Limited annual mileage agreements
- Building no-claims discount from a 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.
Yes. Short-term cover can be arranged for a motorhome you are borrowing, so you are insured for the trip without touching the owner’s annual policy. Tell us the dates you need and we will look at what is available.
It can. European breakdown cover extends roadside help and recovery to the continent, and depending on the policy it can bring you and the motorhome home if repairs abroad are not possible in time. Let us know where you are heading so the cover fits the trip.
At Advance Insurance, we have a wide range of insurance products, including cover for cars, motorcycles, motorhomes, caravans, and imported vehicles. We also arrange tailored policies for classic cars, modified cars, and chauffeur services, along with household and travel insurance, ensuring extensive protection for all your needs.
Get Your Motorhome Quote
Talk to the Advance Insurance team about cover for your motorhome and we will build a quote around your vehicle and how you use it. Get a quote to get started, or request a call back and we will be in touch.
Motorhome Insurance Guide
