Share this story Share on Facebook icon Share on Twitter icon Share on Pinterest icon Share on Google Plus icon Share on Linked In icon Share via Email icon

Motorhome insurance: Alarming statistics


Words by Richard Dredge

Page contents


Securing your vehicle

Motorhome theft is a growing problem, and whether your vehicle is ancient and has been to the moon and back, or you’ve invested your life savings in a new model worth more than Bolivia’s national debt, forking out on some extra security is a good idea. However, the cost of such an investment can be significant (typically £600 to £1,000 or more), and its fitment may not actually cut your premium by all that much.

Most insurance claims filed by motorhome owners are for damage, rather than theft, and installing a tracking system won’t stop you damaging your campervan when you try to squeeze it into a Fiesta-sized space. But, despite all this, it’s still worth investing in extra security, unless your vehicle was already supplied with a top-notch system; some insurers insist on it if the value is over £50,000 or £60,000. Most new motorhomes feature nothing more sophisticated than a Category 2 system as standard, though.   

Security ratings

Security systems have a Thatcham category, because all testing is done by the insurance research centre in Thatcham, Berkshire. Just as well the testing centre isn’t based in Llanfairpwllgwyngyllgogerychwyrndrobwllllantysiliogogogoch.

The ratings are:

  • Category 1: Electronic alarm and immobiliser
  • Category 2: Electronic or electromechanical immobiliser
  • Category 2-1: Electronic alarm upgrade
  • Category 4: Wheel locking devices
  • Category S5: Tracker systems
  • Category S7: Lower-spec tracker systems (see thatcham.org/what-we-do/security for more)   

Recommendations from insurers

For high-value motorhomes, most underwriters ask for a Category 1 or S5 system, if they insist on anything at all. Category 1 systems are the ones most likely to prevent your ’van being stolen; Category S5s allow your vehicle to be retrieved if it’s pinched. Most companies would recommend a tracker above a top-notch alarm and immobiliser system, as your motorhome or campervan should always be capable of being recovered, no matter what. However, for ultimate peace of mind you need to fit a system that works in Europe; most insurers recommend Phantom (phantom.uk.net), whose prices range between £249 and £1,099.

Even if your insurer doesn’t insist on a tracker, it’s worth considering one, especially if your motorhome is valuable, or if you’re likely to be out of pocket when it comes to making a claim in the event of theft. For around £500 it offers peace of mind, while also being very discreet; the system relies on a small box being fitted somewhere in the vehicle. In the event of a theft, this emits a signal which then allows the motorhome to be tracked using GPS.   

Mechanical devices

You don’t have to go down the electronic route, however, as there’s a raft of mechanical devices that are also worth considering. Thatcham doesn’t rate them any more (they used to be Category 4), but check out the Sold Secure website (soldsecure.com) to discover which are the best products. Wheel clamps, steering wheel locks and pedal locks that might slow down a thief can only be a good thing, as anything that gets in their way might make them look for an easier target.

Also consider removing the ignition circuit fuse; we even know of one reader who removes his motorhome’s wheels while it’s being stored. Or you could install posts on your drive, which won’t allow a motorhome to be moved; also think about fitting gates, which will hopefully keep the tea leaves at bay. You could think about putting up some CCTV, too; if this doesn’t deter thieves, you might at least get a mug shot of whoever steals your motorhome, so you can pick them out in an identity parade down at the local nick.

Motorhome Protect's Andrew Evanson concludes,


It’s a common misconception that having security devices on your motorhome will give you a significant discount on your insurance premium. With it being compulsory for a lot of insurers on higher-value motorhomes, what it does do is open more insurers up to you. This means you will get fewer quotes declined, and therefore give yourself a greater chance of getting a lower premium. In addition, it gives you peace of mind knowing your vehicle is protected from thieves.

Motorhome Protect Insurance Specialist

Insurance protect

Tel: 01865 818331

Get a quote today

Expert motorhome advice to your door!

Why not subscribe to one of our fabulous magazines and get expert advice, travel ideas, technical help and all the latest news for your motorhome and your motorhome adventures!

MMM Motorhomers' Magazine

Want to know more about MMM magazine?

Every month MMM has articles written by motorhomers who have been there and done it, from great UK and European (and further afield) tours, campsite reviews, owners' reports and DIY projects among other things. MMM's tests, reviews and expert buying guides are not to be missed. MMM's technical advice is a must and includes everything from weekend jobs to longer-term DIY projects. And much more!

About MMM magazine  
What Motorhome Magazine

Want to know more about What Motorhome magazine?

Every issue of What Motorhome magazine provides essential buying advice for anyone looking to buy a new motorhome or campervan or upgrade their existing model. With a pedigree of over 30 years of offering the best motorhome and campervan buying advice, every issue of What Motorhome includes more new motorhome and campervan reviews than you will find in any other magazine.

About What Motorhome  
Campervan Magazine

Want to know more about Campervan magazine?

Campervan is the exciting monthly magazine that will give you all the inspiration you need to explore the world in your campervan. Every issue is packed with real-life campervanning experiences, inspiring travel ideas in the UK and further afield, the best campsites to stay on, campervan road tests and reviews of the latest models, and much more!

About Campervan magazine  

Back to "General" Category

14/10/2021 Share this story   Share on Facebook icon Share on Twitter icon Share on Pinterest icon Share on Google Plus icon Share on Linked In icon Share via Email icon

Recent Updates

Motorhome basics: An introductory guide to motorhomes, covering everything a motorhome beginner would need to know, as well as a great refresher for ...

Ideal campsites for your 2022 holidays

Now it's the start of 2022 there is no better time to start thinking about the best campsites to visit! ...

French Fancies: Rapido 854F vs Pilote 696U

It’s normally UK manufacturers that favour end lounge layouts but, for 2022, two top Gallic brands have ...

Motorhome towbars and towing

Whether you want to fit a bike rack or rear storage or tow a car behind a motorhome, towbars are fairly ...

Other Articles

Make the most of your motorhome this winter by relaxing at campsites that welcome you all year long

Motorhome insurance: Personal belongings

If you lose your laptop or a thief bags your bikes, will your motorhome insurance be adequate? ...

Motorhome trackers

If the worst happens and your motorhome is stolen, a tracking system can help recover it quickly. Here’s a ...

Christmas gifts and accessories special

Merry Christmas! It's that time of year again and our editors have all picked their favourite gifts for this ...