Compare Motorhome Insurance
Journey With Confidence: Compare and Find the Perfect Motorhome Insurance.
Do You Need Motorhome Insurance?
What Does Motorhome Insurance Cover?
Depending on the policy, motorhome insurance can cover a range of items from third-party liability to damage or loss of belongings. Comprehensive policies usually also include emergency accommodation, cover for medical expenses, breakdown assistance and personal accident cover.
Once you’ve provided all the details we need, our online comparison service will generate multiple quotes for you in minutes. You’ll be able to decide on the perfect policy that best fits your needs and budget.
Are Campervans Covered By Motorhome Insurance?
When it comes to choosing a vehicle for your adventures, motorhomes and campervans are popular choices. However, from an insurance perspective, they are different entities requiring unique coverage. We have ensured we can help you cover either a motorhome or campervan by integrating both of these into one easy-to-use comparison service.
You’ll only see the right insurance for your vehicle and can purchase with confidence.
While motorhomes and campervans might seem similar, they differ significantly in terms of size, features, and usage. Campervans are usually smaller, less luxurious, and designed for shorter trips, making their insurance needs different from those of motorhomes.
What Is the Difference Between Motorhome and Caravan Insurance?
Caravan insurance is a specific form of cover designed for caravans. Motorhome insurance is a specific form of cover designed for motorhomes. While some insurers may offer both caravan and motorhome insurance, the coverage will differ and should be purchased separately depending on the type of vehicle you own.
Campervan Insurance: Tailored Coverage for Your Compact Adventure Vehicle
Recognising these differences, we offer an integrated Campervan insurance comparison service into our motorhome journey which you can determine by a simple choice. This extra service is tailored to the unique needs of campervan owners, covering risks like damage, theft, and roadside assistance.
To access the campervan insurance comparison simply click this link and visit our Campervan Insurance page.
Embark on Your Insurance Journey with Insurance Cloud
Whether you own a motorhome or a campervan, it’s crucial to have the right insurance coverage. With Insurance Cloud, you can compare a variety of policies to find one that suits your needs and budget. Start your comparison journey today and ensure your home-on-wheels is protected, no matter where the road takes you.
What Are the Different Types Of Motorhome Insurance?
Motorhome insurance has a variety of options available to you when you come to purchase it. Here’s a simple breakdown of the options available:
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 motorhome, which means you’ll have to pay for any damage yourself.
Third-Party, Fire, and Theft
Third-party, fire and theft is the next level up from the minimum cover. This cover will protect you in the event of any damage caused to your motorhome due to theft and fire. As well as offer protection covering injuries or damage you cause to another person, their vehicle, or their property in an accident.Â
Comprehensive
Comprehensive motorhome insurance is the most all-inclusive cover available. It covers all of the aspects of the other levels, as well as providing financial cover for repairs or a replacement of your motorhome.
What Is A Motorhome?
A motorhome is a recreational vehicle that combines living accommodation and transportation into one unit. They are generally larger than vans, but smaller than buses or coaches, making them ideal for travelling and camping in relative comfort. Motorhomes come in a variety of shapes and sizes, from the small Chausson models to much larger A-class motorhomes. It is important to understand which type of motorhome you have, as this can affect the cost and type of insurance you require.
What are common motorhome insurance exclusions?
It’s important to remember that motorhome insurance policies have exclusions. These are things which a policy won’t cover and usually include wear and tear, gradual deterioration or mechanical breakdown. It’s worth double-checking any policy for the specific exclusions before you commit to buying it.
How to Lower the Cost of Motorhome Insurance?
In the UK motorhome insurance is a legal requirement.
So unless your vehicle is declared SORN, you’ll need to insure it. Most insurers will only cover your vehicle if it’s legally registered as a motorhome. If you’re not sure then check the V5C document. If you have a converted campervan then you may need to apply to the DVLA to have it registered as a motorhome.
What Is Needed to Get Motorhome Insurance Quotes?
Our online comparison service for motorhome insurance makes finding the right insurance for you easy. You’ll be able to compare different policies from different companies, looking at what each has to offer as well as the prices, meaning you can make an informed choice for your motorhome insurance.
To get these quotes all you will need are a few simple details:Details of Your Motorhome
You’ll need the motorhome’s registration plate if you know it. Don’t worry if you’re not sure, you can use the make and model in its place. We’ll also need to know if you’ve made any modifications to your motorhome and how old it is.
How You Plan to Use and Store Your Motorhome
We’ll need to know if you plan to use your motorhome for leisure, business or hire purposes. You’ll also need to tell us if you plan to have your motorhome stored on a driveway or in a secure compound when it’s not being used.
Your Details and Your Licence Number
Your name, age, job title, and address are all needed to receive quotes from our comparison service. If you have any additional drivers, you’ll be asked for their details as well. You’ll also be asked about any past claims you’ve had, information on your driving history and how long you’ve had your licence.
Any No-Claims Discount (NCD) You Have
Usually, any no-claims discount you have will help lower the costs of the quotes you receive, so knowing how many years of NCD you have is beneficial.
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Frequently Asked Questions
Is motorhome insurance a legal requirement in the UK?
Yes, motorhome insurance is a legal requirement in the UK. All motorhomes must be insured by law and it is illegal to drive without adequate cover. Motorhome insurance can protect you from financial losses if your vehicle is damaged, stolen or involved in an accident. It also provides liability protection should you cause harm to someone else or their property while driving your motorhome.
Can you drive your motorhome with car insurance?
No, car insurance is not sufficient to cover a motorhome. Motorhomes require a specific type of insurance that covers the unique risks associated with them. This includes risks such as overloading, caravanning and extended stays away from home.
How do you estimate your motorhome’s mileage?
Estimating your motorhome’s annual mileage is important when it comes to getting an accurate insurance quote. Motorhome insurers will typically use the estimated annual mileage to assess the risk of insuring your vehicle, as well as any discounts that may be available. To estimate your motorhome’s mileage, you should consider how often you plan on using it and how far you plan on travelling. You can also use online mileage calculators to get a more accurate estimate.
What is the difference between a motorhome and a campervan?
The main difference between a motorhome and a campervan is size. Motorhomes are larger vehicles that typically feature separate living and sleeping areas, while campervans are smaller and usually only have one combined area for both activities. Campervans tend to be more fuel-efficient than motorhomes, but they also don’t provide as much living space. Furthermore, campervans typically don’t include bathrooms or kitchen facilities, while motorhomes usually do.
What doesn’t motorhome insurance cover?
Motorhome insurance typically doesn’t cover personal belongings, liability when towing a trailer or caravan, and damage caused by an animal depending on the circumstances. Additionally, some motorhome insurers may not cover theft if your vehicle isn’t securely locked or parked in a safe location. It’s important to check with your insurer what is and isn’t covered before taking out a policy.
Are the belongings in your motorhome covered by your home contents insurance?
It depends on your home contents insurance policy. Some policies may cover the belongings in your motorhome, but you should check with your insurer to be sure. If not, you may need to purchase separate contents insurance for your motorhome.
How long do your quotes remain valid for?
Your quotes from insurers typically remain valid for up to 30 days, depending on the insurer. After this period, you will need to re-submit your request and obtain new quotes. You should also keep in mind that insurance policies may change over time so be sure to check with the insurer prior to purchasing a policy.
