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Tip: Think about the type of goods you will be taking. Some items may need special insurance.

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What Is Camper Van and Motorhome Insurance in the UK?

Camper van and motorhome insurance is an insurance policy made to keep your camper van, Motorhome, or class b motorhome safe. It does not matter if you own a small camper van, a class b motorhome, or a large recreational vehicle. A good insurance policy makes sure your vehicle is covered in the way you use it. It is not just about the way a class b motorhome is made or looks. This type of motorhome insurance or camper insurance helps to protect the life you have with your camper or motorhome. A good insurance policy keeps both your vehicle and the way you live it safe.

Standard car insurance will not protect fixed cooking units, sleeping spots, or your personal belongings inside your camper. This is why you need campervan insurance or motorhome insurance. With campervan insurance, you get extra cover for your belongings, your camper’s built-in features, and other things that you take with you in your motorhome or camper.

  • Liability coverage helps you if there is an accident. It also helps with injuries or property damage.
  • You get protection if there is a fire, theft, or if someone tries to damage, or does damage, your van.
  • Emergency roadside assistance will come to you when your van breaks down on the road.
  • The policy can cover the built-in fittings and all the stuff inside like fridges, beds, and storage areas.
  • Collision coverage helps if you have a crash. Total loss replacement helps you if your van can’t be fixed after a big accident.
  • You can add extra things like coverage if you take your van to Europe. There is also an option to be covered when you use your van for business.

UK law says you must always have insurance for your motorhome or campervan if you drive on public roads. The right insurance will help protect you if there is an event of an accident. It also helps make sure you meet rules from the DVLA, your insurer, and all your travel needs.

What’s the difference between a motorhome and a campervan?

The terms are often put together, but each one has a small difference in what they mean.

Feature Motorhome Campervan
Size and structure Typically larger, purpose-built recreational vehicle Usually smaller, often converted from standard panel vans
Living areas Separate spaces for cooking, sleeping, and driving Compact interior with flexible or combined use of space
Built-in facilities Fixed kitchens, showers, toilets, and water systems Basic or portable cooking and washing setups
Usage Ideal for long trips, touring holidays, or full-time living Popular for weekend trips, festivals, or casual travel
Classification (DVLA) Often factory-built and registered as motorhomes Can be factory-built or self-build conversions

If your van has spots set up for you to sleep, wash, and cook, and says 'motor caravan’ on its V5C logbook, you can get campervan or motorhome insurance. The type you will need depends on how you set up your motorhome or campervan.

What Types of Camper Vans Can You Insure?

Camper van insurance in the UK is there to help protect a few types of camper vehicles.

Type of Vehicle Description
Class B Campervan / Motorhome Compact factory-built motorhome, easy to drive
Converted Van DIY or professional van-to-camper conversion
Classic Campervan Older vehicles like VW Type 2s, often collector’s item
Self-Build Camper Owner-built vehicles with custom interiors

Your insurer will ask you to show the VIN documentation and proof if you have made any changes to your van. Be sure to keep all receipts and images of material costs and other changes to your van. This will help you later if the insurer asks for details.

What Coverage Options Are Available?

Camper van insurance gives you a range of coverages to pick from. The coverage that you need will depend on the value of your campervan and how you use it. A camper can be used in different ways, so what you choose for your campervan will be based on your needs. People want to feel safe when they are out in a camper. You should think about what is right for you if you look at new or used vans. There is cover for all types of campervans which helps keep them safe on the road.

Type of Coverage What It Covers
Comprehensive Coverage Theft, vandalism, fire, accidental damage
Liability Coverage Third-party injury and property damage in the event of an accident
Collision Coverage Repairs if you crash into another object or vehicle
Emergency Roadside Service Towing, battery help, or roadside repairs during travel
Personal Belongings Cover for your belongings, camping gear, and equipment
Total Loss Replacement Brand new replacement vehicle if yours is written off
Emergency Expenses Hotel or transport costs if your camper is undrivable

Some Motorhome insurance policies let you add more options. You can pick cover like windscreen cover, breakdown cover, or European travel protection. These things can help you feel safe when you use your motorhome. They also give you more peace of mind if you want to travel far or to another country. With motorhome insurance, you get to choose the cover that works best for you and your motorhome.

What Is Not Covered by Most Camper Van Policies?

Most campervan insurance plans in the UK do not cover some things. Every insurer may have rules that are not like others. It is a good idea to check what is not covered in a policy before you get campervan insurance.

  • Living full-time in your camper and not telling the insurer
  • General wear from getting old or from using it a lot
  • Using your campervan for work or trade and not having a policy for that
  • Infestations from rats, mice, or other pests
  • Damage from pets chewing, scratching, or making stains
  • Damage from not being careful or from using appliances the wrong way
  • Mechanical or electrical faults that happen over time
  • Water leaks, damp, or mould that the policy does not cover because it was not caused by a sudden event

Always read your policy wording and check what is not covered. This is very important if you live in your van all the time or use it at work. These things often need special insurance options.

Is Camper Van Insurance Required by Law in the UK?

Yes, all road vehicles need to have at least third-party liability insurance to be on the road legally. This rule also applies to campervans. Liability insurance helps protect other people if they get hurt or if you cause damage with your van.

Failing to have insurance for your camper is not legal. If you work to turn a van into a camper by yourself, you must let your insurer know. You also need to talk with the DVLA. This is because the body shape and how you use the van will change. Make sure to give them the new info as well.

  • A new chassis group, such as a class b motorhome
  • The weight of the vehicle after you make changes to it
  • How many miles you drive and how you use it, for example, if you only go on short trips or if you do van life most of the time
  • Receipts and photos that show what updates or changes you made
Is Camper Van Insurance Required by Law in the UK

How Much Does Camper Van Insurance Cost in the UK?

The cost of Motorhome insurance can be different for each person. It depends on the type of motorhome you have and the value of the van. The way you use your motorhome can also change the price. The kind of insurance coverage you choose is also important. All these things come together to decide the cost of motorhome insurance.

Factor Impact on Premium
Type of Campervan Class B motorhomes cost less than large A-Class Motorhomes
Value of the Van Higher value = more risk = higher premium
Insurance Options More cover means higher insurance rates
Driver History Clean licence lowers cost
Storage Location Parked off-road or in secure unit = lower risk
Annual Mileage Full-time Motorhome owners may pay more
Modifications DIY conversions need inspection and detailed documentation

Typical camper van insurance in the UK will cost you about £250 to £600 each year. The price can go up or down. It depends on what kind of cover you want for your camper.

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What Extras Should You Consider?

Many people who have a campervan want more peace of mind. They pick extras like these to feel good about their trip and the campervan.

  • You get campervan breakdown cover that comes with roadside assistance and recovery.
  • You can add a European driving extension if you want to drive in other countries.
  • The plan covers pets and lets you travel with family, so this is good for people on the go.
  • There is personal accident cover made for van lifers.
  • You can pick a higher deductible, also called voluntary excess, to make your premiums lower.

Homeowners should see if their home policy will cover their belongings when these are in the van. It is a good idea to check this with your insurer.

Can You Get Temporary Camper Van Insurance

Can You Get Temporary Camper Van Insurance?

Yes. Getting campervan insurance for a short time is a good idea if you drive your campervan now and then or if you only rent one for a little while. You can get this insurance from 1 day to 30 days. There are several coverage options, so you can pick what fits you best.

Useful for:

  • You can borrow or use a camper for a short time.
  • A lot of people rent a camper for a festival or when they want to go on a road trip.
  • If you do not need your camper, you can sell it or give it to someone else.

You will still need a valid VIN, MOT, and the right insurance coverage, even if you just plan to take a short trip.

What Is Not Covered by Most Camper Van Policies?

Standard exclusions can be different for each insurer.

  • The policy will not help with any damage that comes from normal use.
  • If your personal belongings are not listed or locked up, they will not be covered.
  • If you take the van to places you should not, like out of the EU, you will not have coverage.
  • If you use the van for a business or rent it out without saying so, the policy will not cover it.
  • If there were old problems with the van before, they will not be covered either.

Always read the fine print before you get campervan insurance. You should know what is in Motorhome insurance policies, and what is not. That way, you be sure your motorhome has the right cover.

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How to Get a Camper Van Insurance Quote in the UK

You can get quotes for a campervan online or with a phone call. To get the best rates:

  • Compare what different insurance companies offer by shopping around and reviewing their policies side by side on a comparison site. This helps you find the best cover for your Motorhome or campervan.
  • Say what changes you made to your campervan. Make sure you have all their needed documentation with you.
  • Pick the kind of coverage that matches how you travel in your Motorhome or campervan.
  • Think about putting your campervan, home, or breakdown cover all together. This can give you a better price.
  • Always get quotes from people who really know about Motorhome insurance or campervan insurance, not just from those who only work in regular auto insurance.

Some major providers include:

  • Adrian Flux
  • Caravan Guard
  • NFU Mutual
  • Lifesure
  • Roamly (a good choice for people who move or travel a lot and for those van lifers)
  • State Farm (a top pick for those who have imported cars or need cover for left-hand drive units)

Compare Campervan Insurance With Confidence

Every Motorhome trip is different for each person. A camper, recreational vehicle, or van life does not feel the same to everyone. You might just get away for the weekend, or you might use your class b motorhome for longer trips. But it does not matter if you travel for a day or a year. You need to have the right insurance policy for your Motorhome, camper, or van life. It gives you good financial protection. A strong insurance policy helps you feel some peace of mind when you are on the road.

Use your car’s VIN and make a list of all your belongings. Gather your receipts and check any old claims history you might have. This way, you can get the most accurate quotes.

FAQs About Camper Van Insurance

Campervan insurance is for smaller vans, like class B vehicles, that people have made into homes you can go live in. Motorhome insurance is for bigger motorhomes. These can be A-Class or C-Class motorhomes built just for travel and living inside. A campervan is smaller, so it is much easier to drive than a motorhome. A motorhome gives you more space inside, and it is usually a lot bigger. This is why people get different kinds of cover. Campervan insurance and motorhome insurance give help for what you and your family might need in each kind of vehicle.

Yes. If you build your own camper van, you must tell your insurer. You have to share documentation, receipts, and photos that show what you have done to the camper. This is important so you can get the right cover for your camper van.

No, your belongings may be protected by contents insurance, but the campervan itself and anything you add to it must have their own insurance. You need to get a campervan policy for that.

No, regular car insurance will not cover changes you make to your campervan. It will also not take care of built-in parts inside, or things you use when living in your campervan. You must get Motorhome insurance that is made for a camper van, Motorhome, or camper.

Yes, you can get towing if your policy has it. Always check the highest weight allowed for towing. You need to tell your insurer what you plan to tow. This will help you stay within the law and what your cover gives you.

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Page last updated on: 31/07/2025

Page reviewed by: Tim Bailey

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