Do I Need Insurance for my Motorhome or Campervan?

Yes, motorhome and campervan insurance is a legal requirement in the UK. It provides coverage for incidents like accidents, theft and damage to your vehicle or others. Comprehensive policies also cover personal belongings, ensuring peace of mind whether you’re on the road or parked up.

Key Aspects of Motorhome Insurance

Motorhome insurance is essential for protecting your investment and ensuring a worry-free travel experience. A good policy provides peace of mind whether you're exploring the countryside or parked at home. Here are the key features you should consider:

  • Comprehensive coverage – Protects against traffic accidents, fire damage, theft and break-ins.
  • Personal belongings – Covers camping gear, electronics and other items stored in your motorhome.
  • Windscreen and awning cover – Includes repair or replacement for damaged windscreens and awnings.

  • European travel coverage – Offers protection when driving abroad, ideal for extended trips in Europe.
  • Custom options – Specialised policies are available for self-build campervans or unique modifications.
  • No-claims discount transfer – Allows you to use no-claims history from a car for reduced premiums.

Frequently Asked Questions

Choosing the right motorhome insurance can be confusing – here are answers to some of the most frequently asked questions.

What’s the difference between motorhome and campervan insurance?

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Motorhomes often require specialist insurance due to their size and fixed facilities. Campervans can sometimes be insured with standard car insurance, but specialist policies offer broader coverage for camping features.

Does motorhome insurance cover belongings?

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Yes, comprehensive policies often include personal belongings cover, protecting items like camping gear and electronics stored in your vehicle.

How can I reduce motorhome insurance costs?

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You can save by parking in a secure location, limiting annual mileage and bundling your policy with advanced driving qualifications or membership of a motorhome association.