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We compare 40+ specialist motorhome & campervan insurers

  • Adrian Flux
  • Staveley Head
  • Insurd
  • Ripe Insurance
  • One Call Insurance
  • MotorHome Protect
  • Motor Vision
  • Lifesure

Why Compare Motorhome & Campervan Insurance?

Motorhomes and campervans offer the freedom to travel, explore and stay wherever the journey takes you. But with larger vehicles, higher values and unique risks, it’s essential to have the right insurance in place. Comparing motorhome and campervan insurance helps you find the level of cover that fits your needs — whether you take occasional weekend trips or extended European adventures.

With specialist insurers offering a wide range of policies, comparing quotes ensures you get the right protection at the right price. You can tailor cover for touring, storage, contents, breakdown assistance and more, all in one simple search.

All insurers we work with are authorised and regulated by the Financial Conduct Authority, giving you confidence that your policy documents are clear, fair and reliable in the event of a claim.

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What Does Motorhome & Campervan Insurance Cover?

Motorhome and campervan insurance protects your vehicle and its contents against a wide range of risks. While the exact cover varies by insurer, most policies include:

Standard Cover

  • Accidental damage: Protection against collisions, bumps and scrapes, whether on the road or at campsites.
  • Fire & theft: Cover if your motorhome is stolen or damaged by fire, arson or attempted theft.
  • Third-party liability: Covers injury or damage you cause to other people, vehicles or property.
  • Storm and weather damage: Essential for touring during unpredictable UK weather.
  • Vandalism: Cover for malicious damage to your vehicle.

Optional Extras

  • Motorhome breakdown cover: UK and Europe roadside assistance, recovery and onward travel.
  • Windscreen and window cover: Repairs and replacements for windows, skylights and windshields.
  • European travel: Extended protection for cross-border trips.
  • Contents & personal belongings: Cover for valuables, camping equipment, tech and essentials inside your vehicle.
  • Key cover and lock replacement: Helps if your keys are lost, damaged or stolen.
  • Legal expenses: Support with legal costs following a claim.

Comprehensive cover also protects you against property damage, collision costs and liability coverage if you are responsible for an accident. This ensures your insurance policy provides a high level of cover whether you're travelling in the UK or across Europe.

Types of Motorhome & Campervan Insurance

Different types of cover suit different vehicles, usage patterns and budgets. The main options include:

Comprehensive

Covers your motorhome or campervan for damage, theft, fire, vandalism and third-party claims. This is usually the highest level of protection and often the best value for newer or higher-value vehicles.

Third-Party, Fire and Theft

Covers other people’s vehicles and property, plus your own vehicle if it is stolen or damaged by fire. A middle-ground option for older vehicles or those with lower market values.

Third-Party Only

The minimum legal requirement for driving in the UK. Covers damage to others but not your own vehicle.

Temporary Motorhome or Campervan Insurance

Short-term cover for occasional trips, borrowing a friend’s vehicle, or test-driving a newly purchased motorhome.

European Motorhome Cover

Extends protection beyond the UK. A must-have for touring France, Spain, Germany or other European destinations.

If you plan to travel across EU countries, check whether your insurance provider includes Green Card documentation, which proves you have the minimum required liability coverage abroad. Some insurers include this as standard, while others offer it as part of a higher level of cover depending on the type of motorhome and the type of coverage you select. For wider trip protection, especially for personal belongings or cancellations, you can also Compare Travel Insurance to ensure you're covered for every part of your journey.

Types of Motorhome & Campervan Insurance

Motorhome vs Campervan Insurance – What’s the Difference?

Although often grouped together, motorhomes and campervans have different insurance considerations:

Feature Motorhome Campervan
Typical size Larger, purpose-built living areas Smaller, often converted vans
Insurance risk profile Higher value + larger engine size Lower value but varies with conversions
Usage patterns Holiday tours, long-distance travel Everyday use + short getaways
Cover needs Contents cover, EU cover, breakdown Conversion cover, modifications
Premium impact Size, weight, storage, mileage Conversion type, declared modifications

Many insurers offer combined motorhome and campervan policies — which is why comparing both at the same time gives you a broader choice of quotes.

How Much Does Motorhome & Campervan Insurance Cost?

The cost of motorhome insurance depends on the type of motorhome you own, the type of insurance you select and the insurer's assessment of risk. Annual policies tend to offer better value than short-term cover, and premiums may be lower if you keep your motorhome in secure storage. Motorhome insurance premiums are also influenced by your claims history, your chosen level of cover and the insurance company’s underwriting criteria. Always review your policy documents carefully so you understand exactly what is covered in the event of a claim.

Key factors include:

Vehicle Value & Age

Newer, high-value vehicles cost more to insure, especially those with full living areas and built-in amenities.

Engine Size & Weight

Larger, heavier vehicles typically attract higher premiums due to increased repair costs.

Storage Location

Keeping your motorhome in a secure compound, storage facility or locked garage often reduces premiums.

Annual Mileage

Lower mileage usually means lower risk — and lower insurance costs.

Security Features

Alarms, immobilisers, GPS trackers and steering locks may all help reduce premiums.

Modifications & Conversions

Self-build campervans or bespoke conversions must be correctly declared. Undeclared modifications can invalidate a policy. If you're insuring a converted panel van that isn’t classified as a motorhome, you may want to Compare Van Insurance to make sure you’re selecting the right type of cover for your vehicle.

Travel Frequency

Frequent European trips may increase premiums but ensure you have full cross-border protection.

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How to Get Cheaper Motorhome & Campervan Insurance

There are several ways to reduce your premium without compromising on protection:

  • Improve vehicle security: Add alarms, immobilisers, GPS trackers or wheel locks.
  • Store your vehicle securely: Compound or gated storage often lowers risk.
  • Limit your mileage: Only estimate the miles you realistically expect to travel.
  • Pay annually: If possible, paying yearly instead of monthly can reduce costs.
  • Avoid unnecessary extras: Choose only the cover options you need.
  • Increase voluntary excess: A higher excess may reduce your premium.
  • Compare quotes: The quickest and easiest way to find a competitive price.
Do I Need Specialist Insurance for a Motorhome or Campervan

Do I Need Specialist Insurance for a Motorhome or Campervan?

Yes — standard car insurance won’t cover a motorhome or campervan. Specialist policies consider the vehicle’s size, value, interior fittings and how you use it. This includes built-in beds, seating, kitchens, storage, awnings and touring equipment.

Insurers also need to know if the vehicle is self-built, professionally converted or manufactured as a motorhome from new.

If you’ve converted a van yourself, make sure the DVLA recognises it as a motorhome or campervan — or the insurer may classify it differently.

Common Mistakes to Avoid

When insuring a motorhome or campervan, avoid these frequent errors:

  • Not declaring modifications or conversions:
    Undeclared changes may invalidate your policy.
  • Assuming contents cover is included:
    Some policies only include basic belongings unless you add extra cover.
  • Not checking European limits:
    Many policies only include 30 or 60 days of EU cover unless you upgrade.
  • Choosing the cheapest policy without checking limits:
    Ensure you have adequate cover for breakdowns, contents, awnings and equipment.
  • Not protecting valuable items or personal effects:
    Standard policies may only cover basic belongings. If you carry technology, sports equipment or valuable items, you may need additional insurance coverage to ensure everything is protected. For higher-value possessions kept at home or when you're not touring, you can also Compare Home Insurance to make sure your belongings are covered in every situation.

Understanding Different Types of Motorhome Insurance Policies

Motorhome insurance policies vary depending on the type of motorhome you drive, how often you use it and the level of insurance coverage you need. Whether you own a compact camper van, a Class C motorhome or a large recreational vehicle, insurers offer a range of insurance policies designed to protect you in the event of an accident, theft or property damage.

Most insurance companies allow you to tailor the type of cover to suit your needs. This can include liability insurance, collision coverage, comprehensive cover, and protection for the contents of your motorhome. If you regularly take valuable items or personal effects on your trips, make sure these are included in your policy documents.

Many annual motorhome insurance policies also include optional extras such as European Green Card cover for travel across EU countries, a hire car after an accident, or additional protection for classic motorhomes or older vehicles. The cost of motorhome insurance can vary significantly depending on these add-ons and the level of coverage you choose.

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Ready to Compare Motorhome & Campervan Insurance?

Finding the right cover is quick and simple. Compare specialist insurers, tailor your policy and save money on your next trip — whether you're exploring the UK or heading across Europe.

Motorhome & Campervan Insurance FAQs

Yes. Standard car insurance doesn’t cover motorhomes or campervans due to their size, value and built-in living facilities.

Some insurers offer combined cover, while others classify them differently. Motorhomes are usually purpose-built; campervans are often converted vans.

Most policies include a basic level of European cover, but you can upgrade for longer trips or multiple countries.

Only if your policy includes contents cover. Some insurers offer this as an optional extra.

Yes, but you must declare all modifications and ensure the DVLA has updated the vehicle classification if required.

Not always. Many policies offer breakdown cover as an optional add-on for the UK or Europe.

Some insurers may cover younger drivers, but premiums will be higher due to increased risk.

Costs vary based on vehicle value, storage, mileage, driving history and security features.

Yes — ideal for short trips, borrowing a vehicle or picking up a new purchase.

Yes. Many specialist insurers offer lower premiums for experienced motorhome or campervan drivers, especially if you’ve held a licence for several years and have a strong no-claims history. Mature drivers with a clean record are often seen as lower risk, which can reduce the cost of comprehensive and touring cover. You may also get additional discounts if you complete recognised motorhome safety or driver awareness courses.

When comparing motorhome or campervan insurance, look at more than just the price. Key features include the level of coverage (comprehensive, third-party, fire and theft), your liability limits, and whether the policy includes European travel, breakdown cover or a hire car after an accident. You should also check cover for the contents of your motorhome, personal effects, awnings, modifications and any fitted accessories. Storage requirements, mileage limits and the level of voluntary excess can also make a significant difference to both price and protection.

Most people can drive a motorhome on a standard Category B driving licence if the vehicle weighs up to 3,500kg. Heavier motorhomes may require a C1 licence. Always check your licence category and the vehicle’s plated weight before taking out insurance.

Most insurers cover your motorhome while it is parked at home or in secure storage, but you may need to meet specific security requirements. Using a locked compound, approved storage facility or security devices can reduce the cost of your insurance premium.

Many insurers include basic cover for awnings and fixed accessories, but higher-value equipment may need to be listed separately on your policy. Always check your policy documents to confirm what is covered and whether a higher level of cover is required.

Yes, most insurers allow you to use an existing no-claims bonus from a car or van policy, but some specialist providers may assess your history differently. Check with your insurer before switching.

Standard policies cover holiday and leisure use. If you live in your motorhome full time, you may need a specialist policy designed for residential motorhome use.

Some comprehensive motorhome insurance policies include a hire car or temporary replacement vehicle after an accident, but this varies by insurer and policy type.

Page last updated on: 17/12/2025

Page reviewed by: Shay Ramani

4000+ reviews