You’re ready to hit the open road, but do you need a campervan or a motorhome, and what’s the real difference between the two? The terms are sometimes used interchangeably, but there are key differences that matter not just for your travel plans, but for your insurance options and costs. Here’s a clear, up-to-date guide for UK drivers.
What’s the Difference Between Campervan and Motorhome?
At the core, both vehicles let you eat, sleep, and relax on the move, but their size, features, and how they’re built are where distinctions appear:
Campervan
A campervan is built within the shell of a standard van. Popular models include converted panel vans (like a VW Transporter or Ford Transit) or purpose-built small campers. Everything, e.g. bed, kitchenette, seating, fits into a more compact space, often with a pop-top roof for extra headroom. Campervans drive much like a car, are easy to park, can fit under height restrictions, and sometimes even qualify as a “daily driver” vehicle.
Motorhome
A motorhome is bigger and built on a larger chassis, often purpose-designed from the frame up. You can expect separate living and sleeping areas, a proper bathroom, a larger water tank, and sometimes even a garage for bikes or kit. Motorhomes offer more space, fixed beds, and creature comforts, but are bulkier to drive and may not fit everywhere a campervan can go.
Why Does This Difference Matter for Insurance?
Insurance companies look at these features when setting policy terms, coverage, and price. Here’s how the distinction can affect you:
Value and Specifications
Motorhomes are typically more expensive than campervans, with higher purchase and repair costs. This usually means higher insurance premiums.
Security and Storage
Due to their value and size, insuring a motorhome may require proof of secure storage or extra security devices.
Usage
Campervans, especially smaller models, may be used for everyday driving, which can lower some costs but affect mileage limits and usage conditions.
Conversion Status
Self-built campervans (converted from standard vans) may come with different insurance requirements. Insurers want detailed information on the work, fixtures, and safety checks before providing cover. Motorhomes, usually sold purpose-built, mean less paperwork for insurance companies.
Comparing Key Features
| Feature | Campervan | Motorhome |
| Size | Smaller, often fits in parking bays | Larger, more internal space |
| Facilities | Compact, basic kitchen/bed | Full bathroom, kitchen, lounge areas |
| Driving | Manoeuvrable, easy to park | Requires more care, less agile |
| Insurance | Often cheaper | Usually higher premiums |
| Conversion | Often self-build or panel van-based | Factory-built, ready to go |
Which One is Best for You?
- Choose a campervan if: You want something easy to drive, flexible for everyday use, or prefer a simple camping lifestyle at a lower insurance cost.
- Pick a motorhome if: You need more space, full facilities for longer trips, or plan to travel with family or group.
Insurance Tip
Be honest and accurate about your vehicle’s type when shopping for cover. Call it a “campervan” if it’s converted or a purpose-built small van, and “motorhome” if it’s a larger, coachbuilt vehicle with distinct living areas. Providing clear specs and, for self-builds, full documentation, will help you secure the right policy and avoid issues in the event of a claim.
What To Keep in Mind
Whichever road you’re drawn to, i.e. compact camper or roomy motorhome, the most important thing is that your travels fit your lifestyle and feel exciting, not stressful.
Getting clear about the differences isn’t just a technicality; it’s how you make sure your adventures stay both affordable and fully protected. Take a minute to get the right insurance sorted, and you’ll have the freedom to focus on making memories, with nothing holding you back except deciding where to go next.
If you’re looking to compare insurance quotes, you can fill out a motorhome or campervan form on our website and we’ll help you find the quote that’s right for you.
