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What does motorhome insurance cover?

Motorhome insurance covers recreational vehicles where the living space is separate from the cab or driving space. Similar to standard car insurance, there are three main categories of insurance as well as coverage specialised for motorhomes.

Comprehensive motorhome insurance

This gives you the best protection available. It pays to repair or replace your motorhome when it is damaged in an insured event. This can even cover accidents where you were at fault. It will also protect you against third party claims.

Third-party motorhome insurance

This is the minimum level of cover you need for driving in the UK. It only covers damage or injury to other drivers and their vehicles. It won’t cover any personal damage you incur or damage to your own motorhome.

Third-party fire and theft motorhome insurance

This gives you the same protection as third-party, and also covers your motorhome if it is stolen or damaged by fire.

Additional coverage options for motorhome insurance

Lookout to see if your motorhome policy also covers any of the following as standard:

Personal belongings cover
Awning cover
European cover
Breakdown cover

Generator cover
Legal protection
Windscreen cover

Do I need motorhome insurance?

If you’ve got a motorhome, you need to have insurance. Just like with any other road vehicle, motorhomes need a minimum of third party insurance to legally drive on UK roads. The only way to avoid insuring your motorhome is if it is not being driven on public roads, or if it is officially declared off the road (SORN).

What is not covered by motorhome insurance?

Exclusions will typically change from policy to policy but generally, motorhome insurance won’t cover the following:

Using your motorhome as a permanent residence.
Normal deterioration

Using your motorhome for business
Theft if you’ve left your motorhome open or left a window open

What is the best motorhome insurance option?

The best motorhome insurance option for you and your motorhome will depend on how you use your vehicle:

Social, domestic and leisure use

For your social outings and holiday trips. This doesn’t cover driving to work or using your motorhome to make money

Commuting

For driving from your house to your workplace.

Personal business use

For going to business meetings and events as well as getting to and from work.

The cost of motorhome insurance in the UK

How much is motorhome insurance?

The cost of motorhome insurance depends on several factors. Some of these are based on the motorhome itself, and others will be based on your driving and claims history. One of the easiest ways to see how all of these factors impact the cost of your motorhome insurance premium is to get a personalised quote. This takes out all the guesswork, and helps you make informed decisions when insuring your motorhome.

Factors influencing motorhome insurance costs

The exact cost of your policy will depend on several factors such as:

Vehicle value and age
Security features
Storage location
Driving history
Additional drivers
Annual mileage

How can I find cheap motorhome insurance quotes?

You could save money on your motorhome or RV insurance in a few different ways:

Pay annually

Choose to pay for your cover once a year instead of every month. Insurance companies often add interest to monthly payments.

Store your vehicle off the street

This could be in your driveway, garage, or a storage place approved by a motorhome group.

Increase your voluntary excess

Opt for a higher voluntary excess – but make sure you can cover both the voluntary and required excess if you need to file a claim.

Increase the security

Boost your security by adding things like a steering lock, tracker, or ID kit.

Reduce your mileage

If you don’t use your motorhome much, think about getting a policy with a mileage limit.

Sign up for a motorhome owners’ group

Some insurers give discounts to members.

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