Recent Customers Comments

" 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
" QuoteSearcher’s partners provided me with excellent cover for my insurance. I ended up saving a £100 on my previous years premium so I will be definitely coming back to QuoteSearcher next year! " Peter Moore – Basingstoke, Surrey

Motorhome Insurance

Why Use Quotesearcher

  • Only deal with leading UK insurers
  • No need to shop around to find the best deal
  • One stop solution for all your insurance needs

Buying a motorhome is a big investment, and certainly not something done on a whim. Unlike caravan insurance, motorhome insurance is required by law. It protects you and your motorhome in case of an accident or an act of malicious damage, giving you pure peace of mind whether you are on a journey or your motorhome is parked up somewhere.

Your Motorhome

Just like people, motorhomes come in all manner of different shapes and sizes.

It is important you tell your insurer the correct type of motorhome you own and are honest about any alterations of modifications, otherwise your insurance could be invalid when it is time to make a claim.

Motorhomes normally fall into one of the following categories:

  • A-class
  • American RV
  • Campervan
  • Coachbuilt or overcab
  • Compact
  • Low profile
  • Micro
  • Van conversion

When applying for your policy, your insurer will require a lot of specific information about your motorhome in order for them to calculate your correct premium price. Without this it will be impossible for them to give you an accurate quote.

Also note that not all insurers will cover every type of different model. The majority will only insure professionally built motorhomes, not DIY conversions or self builds.

We have drawn up a list of the most common things insurers ask for to make sure you have all the necessary information.

Motorhome Details

  • Make and Model
  • Number of bedrooms/berths
  • Value of your motorhome
  • Dimensions
  • Age
  • Mileage
  • How you use it
  • Automatic or manual
  • Storage location details
  • Security levels – residence or storage location
  • If it is your permanent residence
  • Details of any modifications or accessories

Personal Details

  • Your driving history
  • Your insurance history
  • Whether you have completed any advanced driving courses
  • If you are a member of a motorhome club

Type of Insurance

When it comes to insurance, people often make one of two common mistakes; they either over-insure or under-insure themselves. The former just means that you are paying for policy features which you do not need, the latter means you do not have sufficient cover so when it is time for you to make a claim your policy might not even pay out.

As with any type of vehicle insurance, there are 3 levels of cover available:

  • Fully comprehensive – covers damage to your own vehicle and covers you in situations where you are the one at fault.
  • Third party only – covers any damage you cause to the property of a third party or any injuries they incur
  • Third party, fire and theft – the above, with the addition of damage caused by fire or theft

Policy Features

We have compiled a list of the most common features in a motorhome insurance policy to help you get the exact cover you need:

  • Accidental damage
  • Awnings and generators
  • Breakdown assistance
  • Contents cover – must be accurate and up to date
  • EU cover
  • Gas and explosion cover
  • Legal expenses – usual cover is up to £100,000
  • Lock and keys cover – up to £500
  • Motorhome equipment cover – for items which are not fixtures of the motorhome, including gas cylinders, camping equipment, kitchen accessories and televisions.
  • New for old replacement
  • Personal accident cover
  • Recovery and redelivery
  • Storm and flood damage
  • Vandalism and malicious damage
  • Windscreen and glass cover
  • Worldwide cover

Policy Exclusions

As with any insurance policy, there are certain things which your insurer will not cover. They require a separate policy altogether. These vary depending on your provider, but some of the most common exclusions on a motorhome insurance policy are:

  • Awnings
  • Mechanical and electrical breakdown
  • Mildew
  • Storm damage
  • Trade, business or professional use
  • Unforced entry – if someone has been able to enter your motorhome without using force because a door or window was left unlocked
  • Use as a permanent residence
  • Valuables – this includes items such as jewellery and electronics
  • Vermin infestations or damage
  • Wear and tear

Motorhome Site Security

This is especially applicable to static motorhomes. Your insurer will ask:

  • Does the site have fences?
  • Is there a security guard?
  • Are there gates?
  • Is CCTV installed?

We recommend you keep your motorhome parked in a secure compound whenever possible.

Reduce your Premium

Motorhome insurance may not be cheap, but there are steps you can take to help bring down the price of your premium, mostly focused around making your motorhome more secure:

  • Alarm – from flashing lights and a warning sound, to modern security systems controlled remotely by smartphone, any sort of alarm is going to act as a deterrent to any would be intruders
  • Locking wheel nuts
  • Steering lock
  • Tracker – nowadays trackers are not just something reserved for the rich. They can be picked up relatively cheaply, and are an effective way to trace your motorhome if a thief does strike. It is worth getting one approved by Thatcham’s or Sold Secure, as often your insurance provider will need to see it is of a certain level of quality
  • Window locks – some insurers will require you to fit a certain brand of window lock or one that can guarantee a certain level of security, otherwise it will not count towards reducing your premium
  • Wheel clamps

Get in touch with our team today to find which of our partners has the right motorhome insurance policy for you!

Why Use Quotesearcher

  • Only deal with leading UK insurers
  • No need to shop around to find the best deal
  • One stop solution for all your insurance needs
  • The first time most people go on a motorhome holiday they generally hire a vehicle in order to get a feel for it. However, after a while you may find that you could save money by buying a motorhome outright, especially if you plan on spending a large part of the year on the road. Not only that, motorhomes are extremely adaptable which means that there is really no limit when it comes to the type of holiday you can take yours on, including ski trips, festivals, and even round the world journeys!

  • In order to find you the cheapest motorhome insurance policy we need to firstly know about what type of insurance would be right for you. For example, if you buy a 2 berth model to take to the Cotsworlds for a week each year your policy will probably cost less than if you are planning on going to Europe for the ski season during winter. However, many providers offer comprehensive policies that mean you can travel wherever you want throughout the year without having to worry about whether you are covered or not!

  • Investing in a motorhome is not something to be taken lightly, especially as some of the high-end versions can be extremely expensive. Before you buy you need to make sure that you create a budget that includes the cost of road tax, petrol, general maintenance and, of course, motor home insurance. After all this you will need enough money left to make the most of your motorhome holidays, and to makes things easier we have written a number of blog posts on motorhome living that covers everything from choosing a caravan site, planning your meals and even what to do if you break down!