With the surge in UK staycations and rising fuel prices, many consumers are asking: How much is motorhome insurance in 2025? Whether you’re a seasoned motorhome owner or considering your first purchase, understanding the average costs and what influences your premium is essential for budgeting and peace of mind. This comprehensive guide explores every aspect of motorhome insurance costs, from basic premiums to regional variations and emerging trends.
Understanding Motorhome Insurance Costs in 2025
Average Premium Ranges
The cost to insure a motorhome in the UK varies significantly based on multiple factors, but recent data provides clear benchmarks for 2025 (1,2):
- Average annual premium: Around £456–£500 for a typical, popular model valued at approximately £50,000
- Lower-end premiums: For basic cover on a mid-range motorhome, expect to pay between £250 and £400 per year
- Comprehensive cover for high-end models: Typically ranges from £500 to £800 annually
- Specialist insurers: Some providers offer coverage for an average of £320 per year (3).
- Older or third-party only policies: Can be as low as £150–£250 per year, but offer less protection
For context, 51% of Compare the Market customers were quoted less than £455.70 for their motorhome insurance in early 20251. However, industry data from 2022 shows that average premiums for motorhome insurance were £544, while campervan insurance averaged £556 (4).
Premium Variations by Vehicle Value
The relationship between motorhome value and insurance costs is substantial (2). Here’s how premiums scale with vehicle worth:
| Motorhome Model | Market Value | Annual Premium |
| Elddis Sunseeker (4 years old) | £50,000 | £493 |
| Auto-Trail Tracker EKS | £54,044 | £666 |
| Auto-Trail Apache 364 | £59,995 | £946 |
| Swift Kon-Tiki Sport 599 | £69,995 | £1,043 |
Every additional £5,000 of motorhome value typically translates to higher premiums, reflecting the increased cost of repairs or replacement (Yurday).
Comprehensive Breakdown of Cost Factors
1. Vehicle-Related Factors
High-end, luxury motorhome models typically cost more to insure due to higher repair and replacement costs. Classic motorhomes may also come with higher premiums due to their valuable status and the likelihood of age-related problems.
Additionally, some motorhomes have pricier components, particularly if your model is rare or out of production, as replacement parts could be harder to source or more expensive.
Plus, motorhomes are much larger than standard automobiles and carry higher risk for accidents, requiring specialised coverage that standard automobile insurance cannot provide (Daniels, InsureMy).
2. Storage Location Impact
Storage location significantly affects your premium, with variations of up to 54% depending on where you keep your motorhome:
- Locked garage at home: Offers the lowest premiums and qualifies for security discounts
- High-end CaSSOA storage site: Premiums increase by approximately 10%
- Driveway storage: Premiums increase by 14%
- Low-end CaSSOA storage site: Premiums can increase by up to 54%
The postcode of your storage location is a major rating factor, with city center postcodes generally rating higher than rural areas due to increased theft and vandalism risks (Yurday, Caravan Guard).
3. Driver Demographics and Experience
Younger drivers (under 25) face significantly higher premiums, with very few specialist motorhome insurers covering customers under this age. Drivers in their late twenties and early thirties typically receive better rates than those in their mid-twenties.
Insurance providers offer substantial discounts for good no-claims records, with some companies offering up to 67.5% discount for drivers who have been claim-free for 5 years or more.
Adding additional drivers to your policy affects costs, as each driver’s claims history and convictions are factored into the premium calculation (Caravan Guard).
4. Security and Safety Features
Installing security devices can significantly reduce premiums (InsureMy, Shield Total Insurance):
- Professional tracking devices can reduce premiums by 12-18%
- Thatcham Category 1 alarm systems offer substantial discounts
- Immobilisers and wheel clamps provide additional premium reductions
- Security lighting acts as a deterrent and may qualify for discounts
Types of Motorhome Insurance Coverage
Core Coverage Types
Third-Party Insurance: The minimum legal requirement that covers damage or injury to other drivers and their vehicles but won’t cover your own motorhome.
Third-Party, Fire and Theft: Offers the same coverage as third-party plus protection if your motorhome is stolen, damaged, or destroyed by fire.
Comprehensive Insurance: Covers all the above plus damage to your motorhome even if you cause an accident. Surprisingly, comprehensive cover is often cheaper than third-party policies for motorhomes (Daniels, Comfort Insurance).
Specialised Coverage Options
Personal Belongings Cover: Protects possessions kept in your motorhome up to certain limits, typically ranging from £2,500 to £5,000 (1,10,11). This covers clothing, appliances, computers, jewelry, electronics, and camping equipment that homeowners insurance wouldn’t cover when away from home (Daniels, The Caravan and Motorhome Club, Just Kampers Insurance).
European Travel Coverage: Standard policies typically cover 90 days in continental Europe, but extended coverage up to 270 days is available for long-term travelers (Dodd, The Caravan and Motorhome Club).
New for Old Coverage: Some insurers offer replacement with a new motorhome if yours is written off within 24 months of purchase (The Caravan and Motorhome Club).
Regional and Demographic Variations
Geographic Cost Differences
Insurance costs vary significantly across UK regions, following similar patterns to car insurance (Motive PR):
- London: Highest premiums, approaching £800 annually for car insurance (motorhome premiums follow similar regional patterns)
- South West England: Significantly lower premiums, often half of London rates
- Scotland, Wales, Northern Ireland: Generally pay less than £500 annually
- Urban vs. Rural Areas: Rural areas typically enjoy lower premiums due to reduced accident and theft risks
Demographic Trends
Recent demographic data shows interesting patterns in motorhome ownership (RVIA):
- Age Distribution: 36% of Class C motorhome owners are between 18-54, while 64% are age 55+
- Gender Split: 43% female, 57% male owners
- Income Levels: 57% of working owners have household incomes over £65,000
- Usage Patterns: Motorhomes are used an average of 21 days per year, primarily during summer (79%) and fall (61%)
Claims Statistics and Industry Trends
Most Common Claims in 2024
Recent claims data reveals the most frequent motorhome insurance claims (Caravan Guard):
Window Damage: Accounts for 68% of all settled claims, including:
- Stones hitting windscreens while driving
- Unexpected impact damage
- Sunroofs blowing off while driving
- Rooflights damaged by low bridges
Accidental Damage represents over 25% of all claims, with 27% involving reversing mishaps. Common scenarios include parking accidents, collisions with gateposts, and maneuverability issues.
Theft Claims: The average motorhome theft claim was £30,853, with the most expensive exceeding £55,000 (Caravan Guard).
Industry Cost Pressures
The motorhome insurance industry faces significant cost pressures in 2025 (The Caravan Club):
- Theft Increases: Rising caravan and motorhome thefts have made these vehicles more attractive targets
- Repair Cost Inflation: Supply chain issues and rising labor costs have increased repair expenses
- Weather-Related Claims: A 16% increase in storm damage claims between 2021 and 2022 due to climate change effects
- Premium Increases: Some regions have seen insurance premiums rise by a third due to these combined factors
Tips for Reducing Motorhome Insurance Premiums
Security Enhancements
- Install sophisticated alarm systems and tracking devices
- Use secure storage facilities with proper lighting and barriers
- Fit wheel clamps and other visible security deterrents
Policy Management Strategies
- Maintain a clean driving record and build no-claims bonuses
- Consider higher voluntary excess to reduce overall premiums
- Limit annual mileage if you’re a low-mileage user
- Join motorhome or caravan clubs for potential member discounts
- Review coverage annually to ensure it matches your current needs
Smart Purchasing Decisions
- Start with a lower-value motorhome to build your no-claims bonus
- Compare quotes from multiple specialist insurers
- Consider comprehensive coverage, which is often cheaper than third-party alternatives
Future Outlook and Considerations
Emerging Trends
The motorhome insurance market in 2025 continues to evolve with several key trends (ABI):
- Technology Integration: Increased use of telematics and tracking devices
- Climate Adaptation: Policies adapting to increased weather-related claims
- Demographic Shifts: Growing interest among younger demographics and families
- Extended Travel Coverage: Increasing demand for long-term European travel insurance
Legal and Regulatory Changes
Motorhome insurance remains a legal requirement in the UK unless the vehicle is declared SORN and off the road. Recent changes include:
- European Travel Requirements: UK stickers now required instead of GB stickers for continental travel
- Licensing Requirements: Different license categories required based on Maximum Authorised Mass (MAM)
Conclusion
Motorhome insurance costs in 2025 reflect a complex interplay of factors, from vehicle value and storage location to regional risk profiles and industry-wide cost pressures. While the average cost ranges from £456-£500 annually for typical models, premiums can vary dramatically based on your specific circumstances.
The key to securing appropriate coverage at a reasonable cost lies in understanding these factors and taking proactive steps to minimise risk. Whether through enhanced security measures, careful storage choices, or strategic policy management, motorhome owners have numerous opportunities to influence their insurance costs while maintaining comprehensive protection.
As the UK’s staycation trend continues and motorhome ownership grows, staying informed about insurance costs and coverage options becomes increasingly important for both new and experienced owners. By understanding the factors that drive premiums and implementing cost-reduction strategies, you can enjoy the freedom of motorhome travel while protecting your investment effectively.
References:
- “Car Insurance Costs Vary Significantly Across the UK – Quotezone.co.uk Data.” Motive PR, 24 July 2024, https://www.motivepr.co.uk/blog/regional-differences-revealed. Accessed 23 June 2025.
- “Cost of Motorhome Insurance | A Guide.” InsureMy, https://www.insuremy.co.uk/guides/cost-of-motorhome-insurance. Accessed 23 June 2025.
- Daniels, Julie. “Campervan & Motorhome Insurance 2025.” Compare the Market, https://www.comparethemarket.com/motorhome-insurance/. Accessed 23 June 2025.
- Dodd, Emma. “New motorhome insurance policy for extended European cover – CaravanTimes.” Caravan Times, 13 December 2024, https://www.caravantimes.co.uk/features/new-motorhome-insurance-policy-for-extended-european-cover/. Accessed 23 June 2025.
- “Go RVing RV Owner Demographic Profile: Class C Motorhomes.” RVIA, 15 November 2021, https://www.rvia.org/news-insights/go-rving-rv-owner-demographic-profile-class-c-motorhomes. Accessed 23 June 2025.
- “Motor claims hit record £11.7 billion in 2024.” ABI, 14 February 2025, https://www.abi.org.uk/news/news-articles/2025/2/motor-claims-hit-record-11.7-billion-in-2024/. Accessed 23 June 2025.
- “Motorhome Insurance.” Shield Total Insurance, https://www.shieldtotalinsurance.co.uk/motorhome-insurance. Accessed 23 June 2025.
- “Motorhome Insurance UK | Get Instant Quotes | The Caravan Club.” The Caravan and Motorhome Club, https://www.caravanclub.co.uk/insurance/motorhome-insurance/. Accessed 23 June 2025.
- “Motorhome Insurance UK | Insure Motorhome with Comfort Insurance.” Comfort Insurance, https://comfort-insurance.co.uk/motorhome-insurance. Accessed 23 June 2025.
- “Motorhome Storage – Protect Your Motorhome.” Caravan Guard, https://www.caravanguard.co.uk/motorhome-insurance/motorhome-storage.php. Accessed 23 June 2025.
- “Personal Effects Cover.” Just Kampers Insurance, https://www.justkampersinsurance.com/optional-benefits/personal-effects/. Accessed 23 June 2025.
- “Recent trends on insurance and cover | The Caravan Club.” The Caravan and Motorhome Club, https://www.caravanclub.co.uk/blog/practical-tips-and-ideas/safety-and-security/recent-trends-on-insurance-and-cover/. Accessed 23 June 2025.
- Yurday, Erin. “Average Cost of Motorhome Insurance 2025.” NimbleFins, 20 February 2025, https://www.nimblefins.co.uk/average-cost-motorhome-insurance. Accessed 23 June 2025.