Motorhome Insurance
Compare Motorhome Insurance Quotes
Cover for your motorhome and everything in it.
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What Is Motorhome Insurance?
Motorhome insurance is specialist vehicle cover designed for motorhomes, campervans and recreational vehicles, protecting the vehicle, its contents, and you as the driver.
Standard car insurance does not cover motorhomes because they are classed differently by insurers. Motorhomes are larger, more expensive to repair, and often contain living equipment worth thousands of pounds.
Under UK law, any vehicle driven or kept on public roads must be insured. The GOV.UK vehicle insurance page confirms that failing to insure your motorhome can result in a fixed penalty of £300, six points on your licence, or seizure of the vehicle.
How To Compare Motorhome Insurance Quotes
You can compare quotes in under five minutes by entering your motorhome details, your driving history, and the level of cover you want.
Enter your personal and vehicle details
Provide your name, age, driving licence details, and the motorhome’s make, model, registration, and approximate value. Include any modifications or conversions.
Choose your cover level and use type
Select third-party only, third-party fire and theft, or comprehensive cover. Specify whether the motorhome is used for leisure only, commuting, or business.
Compare quotes side by side
Review pricing, cover limits, and excess amounts from multiple providers. The FCA regulates all UK motor insurers, so every quote you see meets the same consumer protection standards.
Buy online and receive your documents
Choose the policy that fits your needs and budget. Your cover note and policy documents arrive by email within minutes.
What Does Motorhome Insurance Cover?
A comprehensive motorhome policy covers accidental damage, third-party liability, fire, theft, and personal injury for you and your passengers.
Accidental damage
Covers repair or replacement costs if your motorhome is damaged in a collision, whether you are at fault or not. This includes damage caused while manoeuvring in tight spaces or on campsites.
Third-party liability
Pays for injuries to other people and damage to their property if you cause an accident. This is the minimum legal requirement for any vehicle on UK roads.
Fire and theft
Protects against loss if your motorhome is stolen, set on fire, or damaged during an attempted break-in. Included as standard on both TPFT and comprehensive policies.
Personal belongings
Many comprehensive policies include cover for personal belongings stored inside the motorhome, typically up to £1,000–£3,000. Check the limit and whether high-value items need to be listed separately.
Personal injury
Covers medical expenses for you and your passengers following an accident. Some policies also include a lump-sum payout for serious or permanent injuries.
Accidental damage claims are the most common type of motorhome insurance claim. Roof damage from low bridges and scrapes from narrow lanes account for a large share of payouts.
What Types Of Motorhome Insurance Can You Get?
There are three cover levels, just like standard car insurance: third-party only, third-party fire and theft, and comprehensive.
| Cover Level | What It Covers | Best For |
| Third-party only (TPO) | Damage to other vehicles and property | Minimum legal requirement, low-value motorhomes |
| Third-party, fire and theft (TPFT) | TPO cover plus fire damage and theft | Mid-value motorhomes used occasionally |
| Comprehensive | All of the above plus accidental damage to your own vehicle | High-value motorhomes, frequent use |
Third-party only
The cheapest option, covering only damage you cause to other people and their property. It does not pay for repairs to your own motorhome.
Read our guide to fully comprehensive cover to understand how the levels compare.
Third-party, fire and theft
Adds protection if your motorhome is stolen or damaged by fire. A good middle ground if your vehicle’s value does not justify the cost of comprehensive cover.
Comprehensive
The most complete level of protection, covering accidental damage, fire, theft, and third-party claims. Most specialist motorhome insurers recommend this level for vehicles worth £10,000 or more.
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What Is Not Covered By Motorhome Insurance?
Standard motorhome policies typically exclude mechanical breakdown, wear and tear, driving abroad without EU cover, and damage caused by negligence.
Mechanical and electrical breakdown
Insurance covers sudden, accidental damage, not mechanical failure. You need separate breakdown cover for engine, gearbox, or electrical faults.
General wear and tear
Gradual deterioration from age and use is a maintenance issue, not an insurance claim. This includes rust, damp damage, and degraded seals.
Driving abroad without EU cover
Most standard policies cover UK roads only. If you plan to take your motorhome to Europe, you need to add European cover as a policy extension or buy a separate travel policy.
Unattended contents without security
Insurers may reject claims for stolen belongings if the motorhome was left unlocked or if there is no evidence of forced entry. Always lock up and use visible security devices.
Living in the motorhome full-time
Standard motorhome insurance assumes leisure use. If you live in your motorhome permanently, you need a specialist full-time living policy with different terms and limits.
Driving without a valid licence
If you let someone drive your motorhome and they do not hold the correct licence category, any claim will be rejected. Motorhomes over 3,500kg require a C1 licence, which drivers who passed their test after January 1997 do not automatically have.
Driving under the influence
Driving while impaired by alcohol or drugs voids your cover and is a criminal offence. This applies to all UK motor insurance policies.
How Much Does Motorhome Insurance Cost?
The average annual cost of motorhome insurance in the UK is around £300–£600, though prices range from under £200 for basic cover to over £1,000 for high-value vehicles.
| Motorhome Value | Typical Annual Premium |
| Under £10,000 | £200–£400 |
| £10,000–£30,000 | £350–£600 |
| £30,000–£60,000 | £500–£900 |
| Over £60,000 | £700–£1,200+ |
Unlike car insurance, comprehensive motorhome cover is often cheaper than third-party only. Insurers see drivers who choose comprehensive cover as lower risk, so the premium can be up to 35% less than TPO.
What affects the price?
Insurers calculate premiums using factors similar to van insurance: your age, driving history, postcode, vehicle value, annual mileage, and where the motorhome is stored overnight.
The motorhome’s age and conversion type also matter. Self-builds and heavily modified vehicles can be harder to insure because replacement values are difficult to verify.
Why are motorhomes more expensive to insure than cars?
Motorhomes cost more to repair because they contain living quarters, gas systems, and water plumbing that ordinary vehicles do not. Panel and bodywork repairs on larger vehicles also take longer and require specialist equipment.
The risk of theft from contents adds to the premium. Insurers know that motorhomes parked at campsites or service stations can be targets for opportunistic break-ins.
What Add-Ons Can You Get For Motorhome Insurance?
Common add-ons include breakdown cover, European travel, enhanced contents cover, awning protection, and legal expenses insurance.
Breakdown cover
Covers roadside assistance, recovery, and onward travel if your motorhome breaks down. Look for policies that include home start and relay to a garage of your choice.
European travel cover
Extends your policy to cover driving in Europe, typically for up to 90 days per trip. If you plan to tour France, Spain, or other EU countries, this add-on is worth checking.
Enhanced contents cover
Increases the standard personal belongings limit to cover items like laptops, cameras, and satellite navigation systems. Useful if you carry expensive equipment on trips.
Awning and equipment cover
Protects awnings, bike racks, solar panels, and other external fittings that could be damaged by storms or theft. These items often are not covered under the main vehicle policy.
Legal expenses cover
Pays for legal costs if you need to pursue an uninsured driver or dispute a claim. Cover limits are typically up to £100,000.
Windscreen cover
Covers repair or replacement of the windscreen without affecting your no-claims bonus. A common add-on since motorhome windscreens are large and expensive to replace.
Not all breakdown providers cover vehicles over 3,500kg, so check the weight limit before you buy. Some specialist motorhome insurers bundle breakdown cover into the policy at a reduced rate.
Members of the Caravan and Motorhome Club can access group discounts on European cover.
This add-on also covers legal representation if you are charged with a motoring offence following an accident. It is one of the cheaper extras, usually costing under £30 per year.
How To Save Money On Motorhome Insurance
The most effective ways to reduce your premium are improving security, paying annually, keeping mileage low, and comparing quotes from specialist providers.
Improve your security
Fitting a Thatcham-approved alarm, immobiliser, or tracking device can lower your premium. Storing the motorhome in a locked compound or private driveway rather than on the street helps too.
Pay annually instead of monthly
Monthly payments include interest charges that can add 15–30% to the total cost. Paying the full annual premium upfront avoids this.
Keep your mileage low
If you only use your motorhome for holidays and weekends, declare a low annual mileage. Fewer miles on the road means less risk, which translates to a lower premium.
Increase your voluntary excess
Raising the amount you agree to pay towards any claim reduces your premium. Read our guide on car insurance excess to understand how voluntary and compulsory excess work together.
Join a motorhome club
Some insurers offer discounts to members of recognised clubs. Touring caravan and motorhome clubs often negotiate group rates with specialist providers.
Compare specialist providers
Mainstream car insurers rarely offer the best rates for motorhomes. Specialist providers understand the risks better and often include extras like contents cover as standard.
Declare modifications accurately
Undeclared modifications can void your policy entirely. Listing every change honestly means the insurer prices the risk correctly, and you avoid claim disputes later.
The National Caravan Council offers guidance on approved security products.
Many leisure motorhome owners cover fewer than 5,000 miles a year. Declaring this accurately can reduce your premium by 10–20% compared to a standard mileage estimate.
If you also own a caravan, ask about multi-vehicle discounts.
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Frequently Asked Questions
Motorhome insurance covers self-propelled vehicles with built-in engines. Caravan insurance covers towed units without engines, and the risks and pricing are different.
You can drive motorhomes up to 3,500kg on a category B car licence. Vehicles over 3,500kg may require a C1 licence, depending on when you passed your test.
If your motorhome is declared SORN and kept off public roads, you do not need insurance by law. However, cover for fire, theft, and accidental damage is still worth considering.
Most standard policies provide third-party cover in EU countries, but comprehensive cover abroad usually requires a European travel extension or add-on.
Yes, but you need a specialist policy. Self-builds and conversions require a professional valuation and may need to meet specific construction standards to be insurable.
An agreed value policy pays a pre-set amount if your motorhome is written off, rather than the market value at the time of the claim. This protects against depreciation, especially useful for classic or rare vehicles.
Many comprehensive policies include personal belongings cover up to a set limit, typically £1,000–£3,000. Check what counts as a static caravan vs a motorhome, as contents cover differs between the two.
Yes, but you need a specialist full-time living policy. Standard leisure-use policies do not cover permanent residence, and making a claim without the correct cover type could be rejected.
Fit approved security devices, store the vehicle off-road, keep mileage low, pay annually, increase your voluntary excess, and compare quotes from specialist providers.
No, most standard policies exclude mechanical and electrical breakdown. You can add breakdown cover as an optional extra or buy it separately from a provider like the RAC or AA.
The insurer pays either the market value or the agreed value (if your policy includes this), minus any excess. You can negotiate the settlement if you believe the valuation is too low.
