Motor insurance
Campervan Insurance
cover for a campervan you drive every day or keep for weekends away, and the kit that travels with it
Motor cover for a campervan, with the extras a leisure van needs: contents, awnings, touring abroad and security conditions that keep theft cover sound. How you use the van shapes the terms.
- Pop-tops, high-tops and classics
- Daily driving and weekends away
- UK and European touring
- FCA authorised and regulated
Quick answerCampervan insurance is motor cover for a van built or fitted out for sleeping and travelling, from factory pop-tops to professionally converted vans and classic campers. It covers the van on the road and parked, your liability to others and, depending on the policy, your belongings, awning and European trips. Security, value and how you use the van shape the terms. Enter the registration and specialist UK brokers can come back with quotes.
This page is about campervans. Larger coach-built vehicles are on our motorhome insurance page, self-builds and vans part-way through a build on camper conversion insurance, and US-built vehicles on American RV insurance.
At a glance
Campervan Cover, in Brief
Six things that decide how campervan insurance behaves, before any of the detail.
- Daily driver and holiday van
- Some campers do both, and the policy should too
- A target for thieves
- Security conditions can decide theft claims
- Contents and kit
- Belongings, bedding and cooking kit inside
- Awnings and bike racks
- Extras that can need their own cover
- Touring abroad
- European cover is included on some policies
- Value and age
- Agreed value can suit classic and high-value campers
The basics
What Is Campervan Insurance?
Motor insurance for a van designed or fitted out for sleeping and travelling. It recognises the living area, the kit inside and how the van is used for leisure, which a standard car or van policy may not.
Other road users
Injury and damage to third parties, the legal minimum.
The campervan
Damage, fire and theft, depending on the level of cover.
Contents
Belongings, bedding and cooking kit, with limits on valuables.
Awnings and accessories
Awnings, bike racks and roof boxes, where included.
The living area
Pop-top roofs, fitted furniture and appliances.
Touring extras
European cover and breakdown, where added.
How it works
How Does Campervan Insurance Work?
You enter the registration, describe the van and how you use it, choose the cover and extras, and brokers come back with quotes.
You enter the registration
The van is identified, including its make, model and year.
You describe how you use it
Daily driving, weekends away, long tours, or time abroad.
You describe the van
Factory-built or converted, any modifications, where it is kept and its security.
You choose the cover
Third party, third party fire and theft or comprehensive, with any extras.
What it covers
What Does Campervan Insurance Cover?
Liability to others, the campervan depending on the level of cover, its contents and accessories, with extras such as agreed value and European touring.
| Section | Where it sits | What to know |
|---|---|---|
| Third party | The legal minimum | Injury and damage to others |
| Fire and theft | On third party fire and theft | The van if stolen or damaged by fire |
| Accidental damage | On comprehensive | Repairs to the van and living area |
| Contents | Included on some policies | Limits apply to valuables and single items |
| Awnings and bike racks | Optional | Sometimes with separate limits |
| Agreed value | Optional on some policies | Useful for classic and high-value campers |
| European touring | Included or optional | Check the days covered |
| Breakdown and legal expenses | Optional | Shown on the schedule where included |
Check the contents limit. Bikes, paddleboards and electronics can add up quickly, and single-item limits can be low.
Exclusions
What Campervan Insurance Does Not Include
Theft when security conditions were not met, undeclared modifications, wear and tear, and uses the insurer was not told about.
Theft without required security
Where the schedule names a tracker, lock or alarm.
Keys left in or on the van
Theft with the keys available can be excluded.
Undeclared modifications
Changes the insurer was not told about.
Wear, tear and damp
Gradual damage and mechanical failure.
Hiring out
Renting the van to others needs specialist cover.
Undeclared full-time living
Living in the van needs declaring.
Types
Which Campervans Can Be Covered?
A wide range of campervans, from compact everyday vans to high-value factory builds and older classics. The van, its value and its age shape the terms.
Pop-top campervans
A lifting roof for sleeping space.
High-top campervans
A fixed raised roof.
Factory-built campers
Built as campers by the vehicle maker.
Professional conversions
Fitted out by a specialist converter.
Classic campervans
Older vans that may suit agreed value.
Micro campers
Small cars and vans with a bed and kitchen.
Building your own? See our camper conversion insurance page.
Who it is for
Who Needs Campervan Insurance
Anyone who owns or is buying a campervan, whether it is a daily driver or kept for trips away.
Daily drivers
Using the camper as the main vehicle.
Weekend adventurers
Short breaks and festivals.
Long-trip tourers
Weeks away in the UK or abroad.
Classic owners
Keeping an older camper for occasional use.
Families
With travelling seats for children.
Full-time van dwellers
Living in the van, declared to the insurer.
Camper or car cover
Campervan Insurance vs Standard Car or Van Cover
A standard policy may insure the vehicle but not the living area, the kit inside or the way a camper is used. Campervan cover is designed around those.
| Campervan cover | Standard cover | |
|---|---|---|
| The living area | Covered as part of the van | May not be recognised |
| Contents and kit | Included on some policies | Limited or not included |
| Awnings and bike racks | Optional extras | Rarely offered |
| Touring abroad | Included or optional | Varies |
Motorhome, campervan or caravan? Our motorhome and caravan guide sets out the differences.
Cost
What Campervan Insurance Is Priced On
The van’s make, model, value and age, your record, where it is kept, its security and how you use it. We do not print average premiums.
Why the van leads
Popular campervan models can be targets for thieves, and high-value factory builds cost more to repair or replace, which feeds the price.
Why use and storage matter too
Daily driving, mileage and where the van is parked overnight all feed the rate.
What the quote is rated on
The main factors
- The vanMake, model, value, ageBase
- The driverAge, licence, recordRate
- SecurityTracker, alarm, locksRate
- StorageWhere it is kept overnightRate
- UseMileage, daily driving, abroadAdjust
Limited mileage
Some insurers offer lower terms for fewer miles.
Club membership
Some insurers look favourably on owners’ club members.
Accessories
Adding bikes and kit to the contents cover adds to the price.
Security
The Security Conditions That Decide a Campervan Theft Claim
Campervan theft claims can turn on whether the security on the schedule was fitted and in use. Four points come up again and again.
Fit the security the insurer asks for
Some insurers ask for an approved tracker, alarm or immobiliser on higher-value campers.
Use it every time
Where the schedule names a steering lock or other device, some policies require it in use whenever the van is left.
Keep the keys safe
Theft using keys left in or near the van can be excluded, including keys taken from an unlocked home.
Park where you said you would
A driveway, garage or secure site declared on the policy. Tell the insurer if that changes.
Quote checklist
What You Will Be Asked for a Campervan Quote
Six things shape the quote: the van, its value, any modifications, where it is kept, its security, and how you use it.
The van
Registration, make, model and year.
Its value
Market or agreed, with evidence for classics.
Modifications
Any changes from standard.
Where it is kept
Driveway, garage or storage site.
Security
Tracker, alarm and locks.
How you use it
Mileage, daily use, trips abroad.
Comparing
Checking Campervan Quotes Side by Side
Four areas decide whether a policy suits your campervan: the cover, security terms, contents and kit, and touring. The price is only one of them.
The cover
- Third party, fire and theft or comprehensive
- Market or agreed value
- Windscreen cover
Security terms
- Tracker or alarm requirements
- Key conditions
- Overnight parking rules
Contents and kit
- The contents limit
- Awnings and bike racks
- Single-item limits
Touring
- European days
- Breakdown cover
- Full-time living
Read the security conditions before you buy. They can matter more to a theft claim than the value. Unfamiliar terms are explained in our plain English jargon guide.
Cutting costs
How to Reduce the Cost of Campervan Insurance
The levers are security, secure parking, limited mileage, an accurate value and the excess. We publish no savings figures.
Fit approved security
A tracker or alarm can help the terms.
Park off the road
A driveway or garage overnight can help.
Choose limited mileage
If you drive less, some insurers offer lower terms.
Insure the right value
Too high wastes premium; too low invites a reduced claim.
Join an owners’ club
Some insurers look favourably on membership.
Choose the excess deliberately
A higher excess is a lever, worth using only at a level you could absorb.
Glossary
Campervan Insurance Terms Explained
The words that come up most on a campervan schedule.
- Campervan
- A van designed or fitted out for sleeping and travelling.
- Pop-top
- A roof that lifts to give standing or sleeping space.
- High-top
- A fixed raised roof.
- Factory-built
- Built as a camper by the vehicle maker.
- Agreed value
- A value set with the insurer at the start of the policy.
- Market value
- What the van was worth just before the loss.
- Limited mileage
- Cover based on a maximum yearly mileage.
- Approved tracker
- A tracking device of a type the insurer accepts.
- Comprehensive
- Third party cover plus damage to the van.
- Excess
- The part of each claim you pay yourself.
Why MyMoneyComparison.com
Why Compare Campervan Insurance with MyMoneyComparison.com?
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces campervan owners to specialist UK brokers. We do not sell insurance and we do not give advice. Using us is free.
One form, your campervan
Enter the registration and describe the van once.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
Campervan Insurance FAQs
Answers on security, contents, awnings, touring and everyday use.
What is campervan insurance?
Motor insurance for a van designed or fitted out for sleeping and travelling. It covers your liability to others and, depending on the level of cover, the van, its living area, contents and accessories.
Can I use car or van insurance for my campervan?
A standard policy may not recognise the living area, the kit inside or leisure use. Campervan cover is designed for those, so tell the insurer the vehicle is a campervan.
Can I use my campervan as an everyday vehicle?
Yes, if the policy allows it. Declare daily driving and commuting, as some policies are priced for leisure use and limited mileage, and the wrong use can affect a claim.
What security do insurers ask for?
It depends on the van and its value. Some insurers ask for an approved tracker, alarm or immobiliser on higher-value campers, and set conditions on keys and parking.
Are my belongings covered?
Some policies include contents such as bedding, cooking kit and personal items, up to a limit. Valuables and single items can have lower limits, so check the terms.
Is my awning covered?
Some policies include awnings, sometimes with a separate limit, and others offer them as an extra. Check the terms if you use a drive-away or wind-out awning.
Are bikes on a rack covered?
Bikes and racks can be covered under contents or accessories on some policies, sometimes with conditions such as being locked. Check the limit and any security rules.
Can I take my campervan abroad?
Some policies include European touring for a set number of days and others offer it as an extra. Check the countries and days covered before you travel.
What is agreed value cover?
A value set with the insurer at the start of the policy, backed by photos and a valuation. It can suit classic or high-value campervans that are hard to value after a loss.
Do modifications affect my insurance?
Yes. Changes such as new wheels, suspension, solar, or interior work are modifications, and undeclared modifications can affect a claim. Tell the insurer before or when you make them.
Can I live in my campervan full time?
Full-time living is a different risk from leisure use. Tell the insurer, as some policies do not cover it and a specialist policy may be needed.
Can I hire my campervan out?
Not on a standard policy. Renting the van to others needs specialist hire cover, and hiring it out without telling the insurer can leave you uninsured.
Does limited mileage cover make sense?
It can if you drive less. Some insurers offer terms based on a mileage limit, but going over it can affect a claim, so estimate realistically.
I converted my van myself. Is this the right page?
Self-builds and vans still being converted have their own considerations, such as cover during the build and valuing the work, covered on our camper conversion insurance page.
Does campervan insurance include breakdown cover?
Not always. Breakdown cover can be added, and it is worth checking the provider can recover your van and helps with onward travel if you are away from home.
How do I compare campervan insurance quotes?
Look beyond the price to the security conditions, the valuation basis, contents and accessory limits, European touring, mileage limits and the excess you would pay on a claim.
Ready when you are
Get Quotes for Your Campervan
Enter the registration at the top of this page, or start below. Specialist UK brokers can then come back with quotes. Free to use, with no obligation to buy.
- Pop-tops, high-tops and classics
- Free to use, no obligation
- FCA authorised and regulated
Free to use · No obligation · UK insurers
About this page
This page explains UK campervan insurance: what it covers, what it leaves out, and how security, value and use decide a claim. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK campervan and motorhome policy summaries
- Vehicle security guidance from UK police and insurers
- Financial Ombudsman material on motor insurance complaints
Legal & Regulatory Information:
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