Trying to find the right cover for your campervan? Journey in confidence with a fully comprehensive insurance policy. At QuoteSearcher, we do the groundwork for you, connecting you with a breadth of insurers who specialise in campervan insurance. Fill out our form to start the process!
For campervan owners, life is about travel and exploration. With your very own accommodation-on-wheels, you are able to journey through the UK and abroad, discovering new cultures and enjoying the great outdoors. But, you need to know you are protected, and this is where your insurance policy comes into play.
Campervan Insurance Policy Features
Agreed Value Cover
Pays out an agreed value, not the market value, in the event of total loss. Read more Information about Agreed Value Cover.
Cover for items such as awnings, gas bottles and personal equipment
Import Cover – including Left Hand Drive
Specialist cover for campervans imported from foreign countries. Read more Information about Import Cover.
Core Policy Components
Differing from standard car insurance, campervan insurance is more comprehensive and looks at a number of situations that could occur on the road. There are a few key components to consider when looking at policies:
Although it might not seem so bad to break down in a vehicle that can double as a bedroom, getting back on the road is always preferable!
If you plan on taking your campervan abroad to explore Europe, you should inquire about European driving cover, for extra peace of mind
Agreed Value Insurance
You will be paid out to an agreed value in the event of a total loss, so your campervan value may depreciate, but your pay-out will remain the same
Why Do You Need Campervan Insurance?
Campervan insurance helps to mitigate the inherent risks associated with owning and operating a campervan.
For example, if you get into an accident with another vehicle and you do not have insurance in place, you would be liable for the costs of repairs to both your campervan and the other vehicle. Another example is theft; if your campervan is stolen and you do not have it insured, you will not be able to claim back the cost of replacing your campervan.
There is a legal minimum level of insurance you must have in place if you are driving or operating any vehicle on UK roads, this is called Third Party Only (TPO). This protects the third party against costs accrued if they are in a collision with you and it is your fault. You can upgrade to more detailed cover in the form of Third Party, Fire and Theft, or Comprehensive cover. Comprehensive cover is suggested as this will protect you from a wider range of potential situations than the bare minimum.
What are the differences between motorhomes and campervans?
The difference between motorhome and campervans is the way the vehicle is used. For example, a motorhome may be larger and come with more of the mod-cons you might find at home. Whereas, a campervan is generally used more for exploration and transport. Campervans often don’t have the height or weight of a motorhome, meaning they are easier to maneuver, drive, and park.
A motorhome may be built on a larger van chassis and therefore supports more room, such as bigger bathroom and kitchen areas. The term motorhome has been used to describe many vehicles that double as sleeping/living areas, so it is important to be aware of the type of vehicle you own in insurance terms.
What Does Campervan Insurance Cover?
TPO is the bare minimum cover you need by law but this will only cover the cost of damage to the other vehicle. Third party, fire and theft (TPFT) will cover fire damage and theft of your vehicle, but the best way to get peace of mind is to choose a fully comprehensive policy.
If you opt for a comprehensive policy you can extend your insurance to cover a wide range of elements. For example, you may want to include breakdown cover as part of your policy, allowing you to receive roadside assistance and repairs without having to pay from your own pocket. Another feature you could choose to include is limited mileage cover. Many people only use their campervans during the summer and leave it in a garage or driveway over the winter months. With limited mileage cover you will pay a reduced premium as long as you keep your campervan’s mileage below an agreed number.
How much does campervan insurance cost?
There is not a set standard price for campervan insurance, however here at QuoteSearcher we work with a panel of highly dedicated partners who specialise in campervan insurance. This means you are more likely to receive a competitive quote for your insurance. Fill out our form to be put in touch with our panel and start designing a bespoke policy that works for your needs.
Many of our customers have saved up to 35% on their campervan insurance using QuoteSearcher as we provide the best price guaranteed. To find the cheapest quote we ask for information concerning your vehicle, the amount of drivers you want to cover and the type of cover you require.
Frequently Asked Questions about Campervan Insurance
Each campervan owner is different, with some using their vehicle just once or twice a year and others on a more frequent basis. By filling out our online form we can find you the cheapest insurance policies that are suited to your needs and will cover your campervan at all times. If you own a vintage campervan we are able to ensure that it stays in pristine condition as our brokers work with mechanics that have years of experience working with those kinds of vehicles. If you require more information on the types of campervan insurance policies our brokers provide please contact us and we will be happy to help.
Legally, you must have campervan insurance in order to be on the road. However, further to that is the desire for peace of mind and security of one of your prized possessions. Whether you use your campervan every weekend, or for the odd trip throughout the year, ensuring you are covered in the event of theft, damage or an accident is vital.
My insurance is now completely sorted thanks to QuoteSearcher. After visiting their site I received some superb quotes and was insured more or less instantly!
Alison McNaughton - Cornwall
Thanks to QuoteSearcher I am now fully insured. After looking at all the quotes I received, I chose the right policy for me and was insured more or less straightaway!