Campervan Insurance Comparisons
Travel With Assurance: Compare and Discover the Ideal Campervan Insurance.
Do You Need Campervan Insurance?
Yes, campervan insurance is a legal requirement in the UK and is a specialised form of cover designed specifically for campervans. It offers financial protection against the expenses of repairs or the potential need for a replacement if your campervan is damaged, destroyed in an accident, caught in a fire, or stolen. Campervans provide the freedom to embark on adventures at a moment’s notice. When it comes to insuring your campervan, it’s crucial to conduct thorough research and ensure you obtain the appropriate cover for your specific needs.
What Does Campervan Insurance Cover?
Campervan insurance policies can offer a variety of coverage options, depending on the specific policy you choose. These can range from third-party liability to protection for your personal belongings against damage or theft. Comprehensive campervan insurance policies typically also provide benefits such as emergency accommodation, medical expense coverage, breakdown assistance, and personal accident cover.
Once you supply all the necessary details, our online comparison tool will quickly generate multiple quotes for you. This allows you to compare and select the best policy that suits your individual needs and budget.
Are Motorhomes Covered By Campervan Insurance?
When deciding on a vehicle for your travels, both motorhomes and campervans are popular choices, yet they require different insurance policies due to their distinct characteristics. To simplify the process, our comparison service covers both motorhomes and campervans, ensuring you find the right insurance for your specific vehicle.
You’ll receive tailored insurance options for your vehicle type, enabling you to purchase the appropriate cover with confidence.
Despite their similarities, motorhomes and campervans have notable differences in size, features, and typical use. Campervans are generally smaller, less luxurious, and designed for shorter trips, which means their insurance needs differ from those of motorhomes.
Motorhome Insurance: Customised Coverage for Your Home on Wheels
Acknowledging the unique requirements of different vehicles, we have integrated a motorhome insurance comparison service which you can access in the link below. This additional feature caters specifically to the needs of motorhome owners, providing coverage for risks such as damage, theft, and roadside assistance.
To access the motorhome insurance comparison, simply click this link and visit our Motorhome Insurance page.
Start Your Insurance Adventure with Insurance Cloud
Owning a campervan means you need the perfect insurance to match. With Insurance Cloud, you can explore and compare various policies to find the ideal coverage for your needs and budget. Kick off your comparison journey today to safeguard your home-on-wheels, ensuring peace of mind wherever your travels may lead.
What Is a Campervan?
A campervan is a versatile recreational vehicle that combines living accommodation with transportation in a single unit. Typically, smaller than motorhomes, campervans are more compact and manoeuvrable, making them perfect for both short getaways and extended trips. They come in various shapes and sizes, from the classic VW campervans to modern, high-top models. Understanding the type of campervan you own is crucial, as it can influence the cost and type of insurance coverage you need.
What Are Common Campervan Insurance Exclusions?
It’s essential to be aware that campervan insurance policies come with certain exclusions. These are specific situations or conditions that the policy will not cover, commonly including wear and tear, gradual deterioration, or mechanical breakdowns. Always review the exclusions of any policy carefully before committing to ensure it meets your needs and expectations.
What Are the Different Types of Campervan Insurance?
When it comes to purchasing campervan insurance, there are several options available to suit your needs. Here’s a straightforward breakdown of the types of coverage you can choose from:
Third-Party Only
This is the minimum level of cover you need to drive on UK roads. It offers the most basic level of protection, covering injuries or damage you cause to another person, their vehicle, or their property in an accident. Third-party policies won’t provide any cover for you or your own campervan, which means you’ll have to pay for any damage yourself.
Third-Party, Fire, and Theft
The next level up is third-party, fire and theft cover. This type of insurance will protect your campervan against damage caused by fire and theft. It also offers the most basic level of protection, covering injuries or damage you cause to another person, their vehicle, or their property in an accident.Â
Comprehensive
Comprehensive campervan insurance is the most extensive cover available. It includes all the benefits of the lower levels, along with financial protection for repairs or replacement of your campervan in case of an accident or other incidents.
Start Your Insurance Adventure with Insurance Cloud
Lowering the Cost of Campervan Insurance
In the UK, having campervan insurance is a legal necessity.
Unless your campervan is declared as SORN (Statutory Off Road Notification), it must be insured. Insurers generally require that your vehicle is officially registered as a campervan to provide coverage. To confirm your vehicle’s status, you can check your V5C document. If you have a converted campervan, you might need to apply to the DVLA to have it registered as a campervan officially. Ensuring your vehicle is properly registered can help you find the appropriate insurance and potentially lower your insurance costs.
Enhance Security
Reducing the risk of theft by installing security measures on your campervan, such as fitting a Thatcham-approved alarm, can help lower your campervan insurance costs. Additionally, storing your campervan in a secure location when not in use can further decrease the likelihood of theft and potentially reduce your insurance premiums.
Annual Payment
One effective way to lower the cost of your campervan insurance is to pay your premium annually. By doing so, you avoid the interest charges that typically apply to monthly payments, ultimately reducing the overall cost of your insurance.
Minimise Modifications
Modifications can raise the cost of campervan insurance since they increase the expense for the insurance company to repair or replace parts in the event of an accident. By keeping your campervan as close to its original state as possible and avoiding unnecessary modifications, you can help maintain a lower insurance premium.
Optional Extras
You can enhance your insurance policy with additional coverages like motor legal protection and public liability insurance. However, these optional extras typically increase the price of your premium. If you don't require these additional coverages, opting out of them can help keep your insurance costs down.
Select Low-Risk Models
Selecting a campervan with a low-risk make and model can help reduce your insurance premiums. If you are in the market for a new campervan, it’s beneficial to research which makes and models are the least expensive to insure. This can help you make an informed decision that keeps your insurance costs lower.
Compare Insurance Quotes
A highly effective way to secure a lower-cost campervan insurance premium is by comparing policy prices online. While this might seem time-consuming, our online campervan insurance comparison service simplifies the process. You can receive multiple quotes from our panel of insurers with our easy-to-use online form.
What Is Needed to Get Campervan Insurance Quotes?
Our online comparison service for campervan insurance makes it easy to find the right coverage for you. You can compare various policies from different companies, evaluating what each one offers along with their prices, allowing you to make an informed decision for your campervan insurance.
To get these quotes, you’ll need just a few simple details:
Frequently Asked Questions
Is Campervan Insurance Legally Required in the UK?
Yes, having campervan insurance is mandatory in the UK. It is illegal to operate a campervan without appropriate insurance coverage. This insurance safeguards you against financial losses due to damage, theft, or accidents involving your vehicle. Additionally, it offers liability protection in case you cause injury to others or damage their property while driving your campervan.
Can You Drive Your Campervan with Car Insurance?
No, car insurance does not provide adequate coverage for a campervan. Campervans need a specialised insurance policy that caters to their unique requirements. This includes protection against risks such as overloading, prolonged trips, and the specific nature of campervan use. Ensuring you have the right campervan insurance is essential for comprehensive coverage.
How Do You Estimate Your Campervans Mileage?
Accurately estimating your campervans annual mileage is essential for getting a precise insurance quote. Insurers rely on this estimate to evaluate the risk of covering your vehicle and to identify any applicable discounts. To estimate your campervans yearly mileage, think about how frequently you intend to use it and the distances you expect to travel. Additionally, you can utilise online mileage calculators to obtain a more accurate figure based on your travel plans and usage habits.
What Is the Difference Between a Campervan and a Motorhome?
The primary distinction between a motorhome and a campervan lies in their size and features. Motorhomes are larger vehicles that usually offer separate living, sleeping, and dining areas, often including bathrooms and kitchen facilities. On the other hand, campervans are more compact, with a single combined space for living and sleeping. This compactness makes campervans more fuel-efficient but provides less living space compared to motorhomes. Additionally, campervans generally lack built-in bathrooms and kitchens, which are common in motorhomes.
What Doesn’t Campervan Insurance Cover?
Campervan insurance often excludes coverage for personal belongings, liability for towing trailers or caravans, and damage caused by animals under specific conditions. Additionally, some insurers may refuse coverage for theft if your campervan is not properly secured or parked in a safe area. It is essential to verify with your insurer what is and isn’t included in your policy to ensure you have the protection you need before finalising your insurance.
Does Home Contents Insurance Cover Belongings in Your Campervan?
Coverage for belongings in your campervan depends on your home contents insurance policy. Some policies might extend coverage to items in your campervan, but it's crucial to confirm this with your insurer. If your home contents insurance doesn't cover these belongings, you may need to consider purchasing separate contents insurance specifically for your campervan.
How Long Are Your Quotes Valid For?
Quotes from insurers are generally valid for up to 30 days, though this can vary by insurer. After this period, you will need to re-submit your request to obtain new quotes. Additionally, keep in mind that insurance policies can change over time, so it's important to verify the details with the insurer before finalising your purchase.
