Motorhome Insurance Comparison
When you are on the lookout for cheap motorhome insurance cover quotes, it is important to look at the type of cover offered.
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What Is A Motorhome Insurance Policy?
Motorhome insurance is a specific type of insurance coverage designed to protect owners of motorhomes or recreational vehicles (RVs). It provides financial protection against risks and damages associated with owning and using a motorhome. Motorhome insurance typically covers various aspects, including:
- Liability Coverage: This protects you in case you cause injury to someone else or damage their property while using your motorhome.
- Collision and Comprehensive Coverage: This covers the repair or replacement costs if your motorhome is damaged or totalled due to a collision, fire, theft, vandalism, or other covered perils.
- Personal Belongings Coverage: It provides coverage for personal belongings inside your motorhome, such as clothing, electronics, and other valuables.
- Roadside Assistance: Many motorhome insurance policies offer roadside assistance, which can help with services like towing, tire changes, fuel delivery, and locksmith services.
Motorhome insurance requirements and coverage options can vary, so it’s essential to review the specific policy terms and conditions to ensure you have the appropriate coverage for your motorhome and personal needs.
Motorhome Insurance FAQs
What is motorhome insurance?
UK motorhome insurance is a specific type of insurance coverage designed to protect owners of motorhomes or campervans in the United Kingdom. It provides financial protection against risks and damages associated with owning and using a motorhome on UK roads. Here are some key aspects of UK motorhome insurance:
- Legal Requirement: It is a legal requirement in the UK to have motorhome insurance if you plan to drive your motorhome on public roads. The minimum legal requirement is typically third-party insurance, which covers liability for injury or damage caused to others.
- Comprehensive Coverage: Many motorhome owners opt for comprehensive insurance, which provides a higher level of coverage. It includes third-party liability protection as well as coverage for damage to your motorhome, theft, fire, and other risks.
- Optional Add-ons: Depending on your needs, you can often add optional extras to your motorhome insurance policy. This may include breakdown cover, European travel cover, personal belongings coverage, and legal expenses cover.
- No Claims Discount: Similar to other types of insurance, motorhome insurance often offers a no-claims discount. If you have a claims-free history, you can accumulate a discount on your premiums over time.
- Usage Restrictions: Some motorhome insurance policies may have restrictions on usage, such as limits on annual mileage or requirements for secure storage when not in use. It’s important to review the policy terms to ensure you meet any requirements.
- Vehicle Value and Modifications: The value of your motorhome and any modifications you have made can impact the cost of insurance. Higher-value vehicles or extensive modifications may result in higher premiums.
As motorhome insurance requirements and coverage options can vary between insurance providers, it is advisable to compare quotes and review policy terms and conditions to ensure you have the appropriate coverage for your motorhome and individual needs.
Different types of motorhomes
There are various types of motorhomes available, each offering unique features, layouts, and sizes to suit different needs and preferences. Here are some common types of motorhomes:
- Class A Motorhome: Class A motorhomes are the largest and most luxurious motorhomes. They are built on a specially designed chassis and offer spacious living areas, and full amenities, and often have multiple slide-outs to expand the interior space. Class A motorhomes resemble buses in appearance and provide the highest level of comfort and luxury.
- Class B Motorhome (Camper Van): Class B motorhomes, also known as camper vans, are compact and built on a van chassis. They are smaller in size and easier to manoeuvre compared to other types of motorhomes. Class B motorhomes typically include sleeping areas, a small kitchenette, and basic amenities, making them a popular choice for couples or small families looking for simplicity and convenience.
- Class C Motorhome: Class C motorhomes are characterised by their distinctive cab-over design. They are built on a truck or van chassis and feature an overhead sleeping area above the driver’s cab. Class C motorhomes offer more living space than Class B vans and often include a separate bedroom, kitchen, bathroom, and dining area.
- Fifth Wheel: Fifth wheels are towable RVs that require a pickup truck with a special hitch for towing. They feature a raised forward section that extends over the bed of the truck, providing additional interior space. Fifth wheels offer a comfortable living area, separate bedrooms, and amenities similar to larger motorhomes.
- Travel Trailer: Travel trailers are towable RVs that come in various sizes and configurations. They range from small and lightweight trailers to larger models with multiple slide-outs for increased living space. Travel trailers offer flexibility, as they can be detached from the towing vehicle, allowing you to use your vehicle for other purposes while camping.
- Pop-Up Camper: Pop-up campers, also known as tent trailers or folding campers, are compact and lightweight trailers that fold down for easy towing and storage. When unfolded, they provide sleeping areas, a small kitchenette, and basic amenities. Pop-up campers are a cost-effective option and offer a camping experience closer to tent camping.
These are just a few examples of motorhome types, and there are many variations and variations within each category. When choosing a motorhome, consider factors such as the number of occupants, desired amenities, budget, and intended use to select the most suitable type for your needs.
Can I drive a motorhome on my car insurance?
Your car insurance policy typically does not cover you to drive a motorhome. A motorhome is a different class of vehicle and has its own specific insurance needs and requirements.
Motorhome insurance policies are specifically designed to cover the unique risks associated with motorhomes, such as their size, the value of equipment and personal belongings typically carried in them, and the fact they may be used for long periods while touring or even lived in full time.
You also need to check your driving licence. As of my knowledge cut-off in September 2021, if you passed your driving test before 1 January 1997, you should have category C1 entitlement on your licence, which allows you to drive vehicles up to 7,500kg MAM (Maximum Authorised Mass), which should cover most motorhomes.
If you passed your test on or after 1 January 1997, you can drive vehicles up to 3,500kg MAM with up to 8 passenger seats (category B entitlement). If your motorhome weighs more than this and you want to drive it, you would need to take the additional driving test for category C1 entitlement.
Do I need motorhome insurance?
Yes, motorhome insurance is highly recommended if you own a motorhome or campervan in the UK. Here are a few reasons why motorhome insurance is important:
- Legal Requirement: It is a legal requirement in the UK to have motorhome insurance if you plan to drive your motorhome on public roads. The minimum legal requirement is typically third-party insurance, which covers liability for injury or damage caused to others. Failing to have the necessary insurance can result in penalties, fines, and potential legal consequences.
- Financial Protection: Motorhomes are valuable assets, and insurance provides financial protection in case of accidents, theft, or damage. With motorhome insurance, you can have coverage for repair or replacement costs if your motorhome is damaged or totalled due to a collision, fire, theft, vandalism, or other covered perils.
- Liability Coverage: Motorhome insurance includes liability coverage, which protects you if you cause injury to someone else or damage their property while using your motorhome. This coverage helps cover legal expenses, compensation claims, and potential financial liabilities.
- Personal Belongings: Motorhome insurance may also provide coverage for personal belongings inside your motorhome, such as clothing, electronics, and other valuables. This can be particularly important if you travel with valuable items or equipment.
- Peace of Mind: Having motorhome insurance offers peace of mind. It allows you to enjoy your motorhome adventures knowing that you have financial protection in case of unforeseen events or accidents.
While motorhome insurance is not legally required when your motorhome is stationary or off the road, it is still highly advisable to maintain coverage. Even when not driving, your motorhome can be exposed to risks such as theft, fire, or damage caused by natural disasters. Therefore, having insurance helps safeguard your investment and provides protection against these potential risks.
How much is insurance on a motorhome UK?
The cost of motorhome insurance can vary significantly depending on various factors, including the type of motorhome, its value, your location, your driving history, the level of coverage you choose, and the insurance provider you select. Here are some factors that can influence the cost of motorhome insurance:
- Motorhome Value: The value of your motorhome plays a role in determining insurance premiums. Higher-value motorhomes generally have higher insurance costs since the potential cost of repair or replacement is higher.
- Motorhome Type: Different types of motorhomes may have varying insurance costs. Class A motorhomes tend to have higher insurance premiums due to their size and higher values, while smaller Class B or Class C motorhomes may have lower premiums.
- Usage and Mileage: The frequency of motorhome usage and the number of miles you intend to travel can impact insurance costs. Planning to use your motorhome extensively or for long distances may result in higher premiums.
- Location: Your location can affect insurance premiums. Areas with higher rates of theft, vandalism, or accidents may have higher insurance costs compared to areas with lower risk.
- Driver Profile: Factors such as your age, driving experience, and claims history can influence insurance premiums. Younger or less experienced drivers may face higher insurance costs than older, more experienced drivers with clean driving records.
- Coverage Level: The level of coverage you choose will affect the cost of motorhome insurance. Comprehensive coverage with a wide range of risks and benefits may be more expensive than basic coverage with limited protection.
Providing an exact cost without specific details is challenging, as insurance premiums are tailored to individual circumstances. Obtaining quotes from multiple insurance providers and comparing them is recommended to find the best coverage at a competitive price.
UK Motorhome manufacturers
There are several UK-based motorhome manufacturers that produce high-quality motorhomes. Here are some well-known motorhome manufacturers based in the UK:
Auto-Trail: Auto-Trail is a prominent UK motorhome manufacturer known for its range of luxury motorhomes. They offer a variety of models, including coach-built and van-conversion motorhomes, with different layouts and sizes to suit various preferences.
Bailey of Bristol: Bailey of Bristol is a renowned UK company that produces both caravans and motorhomes. Their motorhome range includes models such as the Autograph and Advance, offering a combination of style, comfort, and practicality.
Swift Group: The Swift Group is one of the largest manufacturers of motorhomes and caravans in the UK. They produce a wide range of motorhome models under their brands, including Swift, Bessacarr, and Escape, offering options for different budgets and lifestyles.
Elddis: Elddis is a long-established UK motorhome manufacturer known for its quality craftsmanship and innovation. They offer a range of motorhome models, including coach-built and van conversions, designed for comfort and practicality.
Roller Team: Roller Team is an Italian brand with a strong presence in the UK motorhome market. They produce motorhomes that combine Italian design with practical features, offering a variety of models to suit different needs and preferences.
Chausson: Chausson is a French motorhome manufacturer that has a presence in the UK market. They offer a range of motorhome models, including coach-built and van conversions, known for their innovative designs and attention to detail.
These are just a few examples of UK motorhome manufacturers, and there are other manufacturers as well. It’s important to research and visit motorhome dealerships to explore different brands, models, and features to find the motorhome that best suits your needs and preferences.
Types of cover available in motorhome insurance
In the UK, motorhome insurance offers various types of coverage to cater to different needs and provide appropriate protection. Here are some common types of cover available in motorhome insurance policies:
- Comprehensive Cover: Comprehensive cover provides the highest level of protection for your motorhome. It includes coverage for accidental damage, theft, fire, vandalism, and other risks. This type of cover typically extends to cover third-party liability as well.
- Third-Party Only: Third-party-only cover is the minimum legal requirement in the UK for motorhome insurance. It covers your liability for injury or damage caused to others or their property while using your motorhome. It does not provide coverage for damage to your own motorhome.
- Third-Party, Fire, and Theft: This type of cover includes protection for third-party liability as well as coverage for fire damage and theft of your motorhome. It does not cover accidental damage to your own motorhome.
- Contents Cover: Contents cover provides protection for personal belongings and possessions within your motorhome. It covers items such as clothing, electronics, kitchen equipment, and other belongings against theft, loss, or damage.
- European Cover: If you plan to travel with your motorhome in Europe, you can opt for European cover. This extends your insurance coverage to European countries, providing protection for accidents, breakdowns, and other risks while abroad.
- Breakdown Assistance: Many motorhome insurance policies offer optional breakdown assistance or recovery services. This coverage provides assistance in case of a breakdown, mechanical failure, or other roadside emergencies, helping you get back on the road quickly.
It’s important to carefully review the details of each cover option, as policy terms, coverage limits, exclusions, and additional benefits can vary between insurance providers. Consider your specific needs, budget, and travel plans to choose the most suitable type of cover for your motorhome insurance policy.
What motorhome insurance does not cover?
While motorhome insurance provides coverage for a wide range of risks and damages, there are certain exclusions and limitations that are typically not covered by motorhome insurance policies. It’s important to review the specific terms and conditions of your policy, as coverage can vary between insurance providers. Here are some common exclusions or limitations in motorhome insurance:
- Wear and Tear: Motorhome insurance typically does not cover regular wear and tear or mechanical breakdowns that result from normal usage or ageing of the vehicle. Maintenance and repair costs for general wear and tear are usually the responsibility of the owner.
- Pre-Existing Damage: Insurance policies usually do not cover pre-existing damage to the motorhome, meaning damage that occurred before the policy was in effect or damage that was not reported or disclosed during the application process.
- Deliberate or Illegal Acts: Intentional or illegal acts, such as reckless driving, racing, or driving under the influence of alcohol or drugs, are generally not covered by motorhome insurance. Any damage or liability resulting from such actions may not be eligible for a claim.
- Unattended or Unsecured Items: Damage or theft of personal belongings that are left unattended or not properly secured within the motorhome may not be covered. It’s important to take precautions to secure and protect your belongings while away from the motorhome.
- High-Risk Locations: Some motorhome insurance policies may have exclusions or limitations on coverage in high-risk locations, such as war zones, politically unstable regions, or areas with high crime rates. It’s important to review any geographical restrictions in your policy.
- Non-Disclosed Modifications: If you have made modifications to your motorhome and failed to disclose them during the insurance application process, the insurance company may not provide coverage for any damages related to those modifications.
It’s crucial to carefully read and understand the terms and conditions of your motorhome insurance policy to know what is specifically covered and what is excluded. If you have any questions or uncertainties, it’s recommended to contact your insurance provider for clarification.
Can I insure my motorhome for travelling abroad?
Yes, you can insure your motorhome for travelling abroad from the UK, but you’ll need to ensure your policy includes the necessary coverage. When you’re looking for motorhome insurance, you need to specify that you plan to use it outside the UK, and discuss the extent of the coverage you need.
Insurance providers can offer different types of foreign use cover:
- European coverage: Many motorhome insurance policies in the UK offer a certain number of days of European coverage as standard, typically around 90 days.
- Extended European or worldwide coverage: If you plan to spend more time abroad or travel outside Europe, you’ll need to look for a policy that provides extended foreign use coverage.
When travelling abroad with your motorhome, keep in mind that you’re required to comply with the driving regulations of each country you visit, which can include carrying specific equipment.
Furthermore, since the UK has left the EU, you will need to carry a green card to prove you have the necessary insurance coverage when travelling in Europe. A green card is an international certificate of insurance issued by insurance providers in the UK, guaranteeing that the motorist has the necessary third-party insurance cover for travel in the country being visited.
Best places in the UK to visit in a motorhome
Exploring the Great Outdoors: Best Places in the UK to Visit in a Motorhome
Embarking on a motorhome adventure in the United Kingdom offers a unique way to explore the country’s diverse landscapes, rich history, and charming towns. With a motorhome, you have the freedom to roam and immerse yourself in the beauty of the great outdoors. From stunning national parks to picturesque coastal drives and historic landmarks, the UK offers an array of destinations that are perfect for motorhome travel. In this article, we will guide you through some of the best places in the UK to visit in a motorhome. Whether you seek rugged mountain vistas, tranquil lakeside retreats, or cultural and historical gems, these destinations will leave you with unforgettable memories of your motorhome journey.
- The Scottish Highlands: The Scottish Highlands is a paradise for nature lovers and adventurers alike. With its breathtaking landscapes, rugged mountains, and shimmering lochs, it offers endless opportunities for exploration. Start your journey in Inverness, the capital of the Highlands, and venture into the Cairngorms National Park, where you can hike, bike, or simply revel in the pristine wilderness. Make sure to visit the iconic Loch Ness, home to the legendary Nessie, and soak in the mystique of this ancient lake. Further west, Glen Coe will captivate you with its dramatic scenery, while the Isle of Skye will enchant you with its fairy-tale landscapes and iconic landmarks such as the Old Man of Storr and the Fairy Pools.
- The Lake District: Nestled in northwest England, the Lake District National Park is a haven for outdoor enthusiasts and lovers of natural beauty. This picturesque region is renowned for its stunning lakes, rolling hills, and charming villages. Begin your journey in the town of Keswick and explore the magnificent Derwentwater, where you can partake in water activities or enjoy a leisurely stroll along the lakeshore. A visit to Lake Windermere, the largest lake in England, is a must. Embark on a scenic cruise or hike along the lakeside paths for awe-inspiring views. Don’t miss the picturesque village of Grasmere, where you can indulge in some delicious Grasmere gingerbread and visit the former home of renowned poet William Wordsworth.
- The Jurassic Coast: Stretching along the southern coast of England, the Jurassic Coast is a UNESCO World Heritage Site known for its geological significance and stunning cliff formations. Start your journey in Exmouth and drive along the coast, stopping at charming seaside towns such as Sidmouth and Lyme Regis. Marvel at the towering cliffs of West Bay, made famous by the TV series “Broadchurch,” and explore the natural wonders of Durdle Door and Lulworth Cove. As you travel along the Jurassic Coast, you’ll encounter breathtaking views, fossil-rich beaches, and idyllic coastal walks, providing a perfect blend of natural beauty and coastal charm.
- Snowdonia National Park: Located in northwest Wales, Snowdonia National Park is a haven for outdoor enthusiasts and nature lovers. The park is dominated by Mount Snowdon, the highest peak in Wales, offering stunning vistas and challenging hiking trails. Start your motorhome journey in Betws-y-Coed, known as the “Gateway to Snowdonia,” and explore the enchanting Swallow Falls. Take the scenic route to Beddgelert, a picturesque village nestled in the heart of the park, and immerse yourself in the area’s rich mythology. For a unique experience, hop on the Snowdon Mountain Railway and enjoy a leisurely ride to the summit of Mount Snowdon, where panoramic views await.
- The Cotswolds: For those seeking quintessential English charm, the Cotswolds is a must-visit destination. This region, characterised by its honey-coloured stone villages, rolling hills, and meandering rivers, offers a glimpse into the idyllic English countryside. Start your journey in Cheltenham, known for its Regency architecture and vibrant culture, then venture into the picturesque villages of Bourton-on-the-Water and Stow-on-the-Wold. Don’t miss a visit to the charming town of Bibury, often referred to as one of England’s most beautiful villages. Take your time to explore the Cotswolds’ quaint streets, visit historic manor houses, and indulge in traditional English cream teas.
Conclusion: Embarking on a motorhome adventure in the UK opens up a world of possibilities, allowing you to discover the country’s natural wonders, historic landmarks, and cultural treasures at your own pace. From the untamed beauty of the Scottish Highlands to the charming villages of the Cotswolds, each destination offers a unique experience that will leave you with lasting memories. Whether you prefer outdoor adventures, scenic drives, or immersing yourself in history and culture, the UK has something to offer every motorhome traveller.
Remember to plan your journey in advance, familiarise yourself with motorhome regulations and campsite options, and embrace the spirit of exploration and spontaneity that motorhome travel allows. With the freedom to go wherever the road takes you, your motorhome adventure in the UK promises to be an unforgettable experience filled with stunning landscapes, welcoming communities, and the joy of discovering hidden gems along the way. So, pack your bags, hit the open road, and embark on a motorhome journey through the best places the UK has to offer. Happy travels!
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.
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