Motorhome Insurance Quotes

The cost depends on the motorhome’s value, size, usage, storage location, and driver profile. Smaller campervans may cost a few hundred pounds per year, while larger A-class or American-style motorhomes typically cost more.

Most insurers accept:

• Coachbuilt motorhomes

• A-class motorhomes

• Campervans and panel van conversions

• Self-build or DIY conversions

• American RVs and micro-campers

Acceptance depends on safety standards and declared specifications.

Many policies include an allowance for personal possessions such as clothing, electronics, and camping equipment. Higher-value items may need to be listed separately.

Yes. Insurers usually ask for photographs, conversion details, receipts, and confirmation that gas and electrical work meets recognised safety standards.

Most UK policies include a limited number of days for European travel, often between 30 and 90 days. Longer trips usually require an extension.

Key factors include:

• Vehicle value and type

• Driver age and experience

• Annual mileage

• Storage location and security

• Previous claims

• Declared modifications

Breakdown assistance is not always included as standard. Many drivers add specialist motorhome recovery, which accounts for vehicle size, height, and weight.

Full-time living requires specialist motorhome insurance. Standard leisure policies usually exclude permanent residency.

Awnings, bike racks, solar panels, and satellite systems are commonly accepted but must be declared. Some items may have individual value limits.

Yes, provided the policy allows extended European or international travel. Duration limits and destination restrictions vary by insurer.

Comprehensive policies typically include accidental damage such as collisions, reversing incidents, and storm-related damage.

Drivers under 25 can be accepted, but insurers often apply higher premiums, minimum licence periods, or driver restrictions.

Some policies allow for gas bottles and external camping equipment, though limits apply. Expensive items may need to be specified.

Yes. Insurers may require security measures such as alarms, wheel clamps, trackers, or locked gates. Secure storage often reduces premiums.

No. Hiring out a motorhome requires specialist self-drive hire insurance, not standard leisure motorhome insurance.

You’ll usually need:

• Motorhome details and value

• Driver details

• Claims history

• Storage location

• Intended usage

• Modifications and accessories

Sudden water ingress may be accepted, but gradual damp, wear, or poor maintenance is usually excluded. Some insurers offer optional protection for this risk.

Yes. Most insurers offer monthly instalments through finance agreements, subject to approval and interest.

You can reduce costs by improving security, limiting mileage, choosing secure storage, maintaining a clean driving record, and comparing specialist motorhome insurers.

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ABI –  Association of British Insurers – The Association of British Insurers is the leading trade association for insurers and providers of long term savings. … need to contact their insurer for a Green Card which they will need to carry on them if they wish to drive their vehicle in the EU.

BIBA – British Insurance Brokers’ Association – The British Insurance Brokers’ Association (BIBA) is the UK ‘s leading general insurance organisation.