What are the different types of motorhome?

There are a number of different vehicles that fall under the term 'motorhome'. They vary in size and cost, but some include: campervans, low profile, micro motorhomes, American-style RVs, coachbuilt or overcab, and van conversions. The cost of your motorhome insurance will vary greatly depending on lots of factors, such as which features you choose or what level of cover you need. As with all motor vehicle insurance, you will be expected to take out at least third party only (TPO) insurance by law. You can decide to extend this to third part, fire and theft (TPFT) or fully comprehensive.

How much does it cost to insure a motorhome?

The price of your motorhome insurance will vary considerably from vehicle to vehicle. The average cost of motorhome insurance in the UK is around £350 per year, however this depends entirely on the type of policy you take out, the breadth of features, and the style of your motorhome. You can choose to go for as simple or as far-reaching a policy as you like, however you should consider all the situations that may occur in order to be sure you have the best possible policy.

Can I get a motorhome insurance quote online?

At QuoteSearcher, we do one better than just showing you a load of quotes online. We contact our dedicated panel of motorhome insurance specialists with the details you leave in our quick and simple online form. Then, they call you back at a convenient time to organise you with a competitive motorhome insurance quote. We work with the most trusted and experienced motorhome insurance companies so you can rest assured that only the very best brokers are looking after you.

Does motorhome insurance cover me when I drive any other motorhome or private vehicles?

Most motorhome insurance brokers will let you drive any other motorhome or private vehicle, but with these other vehicles you will only be covered third party. You must also have the permission of the owner whose motorhome or private vehicle it is.

What details do I need to provide to get a motorhome insurance quote?

As motorhomes can vary so much, your insurer will ask you for quite a lot of information about you and your motorhome. These can include: make and model, number of berths, value of your motorhome, dimensions, age, mileage and how often you use it. Personal details such as your driving history, insurance history, whether you have completed any advanced driving courses and if you are a member of a motorhome club may also be asked.

Will I be able to drive a motorhome with my normal driving licence?

If your licence does not include category C1, you will not be allowed to drive a motorhome that exceeds 3.5 tonnes. If you passed your driving test before 1st January 1997 then your licence will automtically include C1, otherwise you will have to take the required test. If your motorhome exceeds 7.5 tonnes, you will need a category C licence (HGV licence). When applying for a motorhome insurance quote you may need to declare details, such as the weight, of your motorhome.

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Why Use QuoteSearcher for Motorhome Insurance?

Motorhomes combine elements of both vehicles and living spaces, which means insurance requirements can be more complex than standard car policies. Factors such as onboard equipment, travel abroad and how frequently the vehicle is used can all influence the type of cover available.

QuoteSearcher connects motorhome owners with brokers who are experienced in arranging this type of insurance. By completing a short form on our site, you can be introduced to brokers who will discuss your motorhome, outlining cover options based on how it is used.

This approach allows you to explore motorhome insurance through experienced brokers, without needing to compare multiple providers yourself.

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What Is Motorhome Insurance?

Motorhome insurance is a specialist type of motor insurance designed for vehicles that are used for both travel and accommodation.

Policies typically take into account features such as fitted kitchens, sleeping areas, and stored personal belongings, as well as the risks associated with driving and storing a larger vehicle.

Motorhome Insurance Policy Features

Please note that cover will always vary depending on the insurer and policy selected, but may include the following:

Accidental Damage Cover

Protection for repair costs if the motorhome is damaged in an accident.

Contents Cover

Cover for personal belongings stored within the motorhome, such as appliances, furniture and equipment.

EU & Worldwide Cover

Some policies may extend cover to travel within Europe or other specified regions.

Storm & Flood Damage Cover

Protection against damage caused by severe weather conditions, including flooding.

Vandalism & Malicious Damage Cover

Cover for repair costs if the motorhome is intentionally damaged by third parties.

Awnings & Generator Cover

May include protection for external equipment and accessories attached to or used with the motorhome.

Motorhome Insurance Policy Exclusions

As with all insurance policies, certain exclusions will apply. These can vary between providers, but commonly include:

General wear and tear
Damage caused by mould or mildew
Vermin infestations
Unforced entry where the vehicle was left unsecured
Use of the motorhome for trade or business purposes
Use as a permanent residence

Your broker will be able to explain the specific exclusions within any policy you are considering.

Types of Motorhome

Motorhomes are generally categorised into three main classes, which can affect insurance considerations.

Class A Motorhomes (Integrated)

These are typically the largest motorhomes, often featuring full kitchen and bathroom facilities, large living areas and extensive storage. Due to their size and value, insurance for these vehicles may be higher.

Class B Motorhomes (Semi-Integrated)

Usually built on a van chassis, these motorhomes are more compact and easier to manoeuvre. They often include essential living facilities within a smaller space.

Class C Motorhomes (Alcove)

Also known as coach-built motorhomes, these feature an extended sleeping area above the cab. They offer a balance between space and practicality, sitting between Class A and Class B in terms of size and cost.

What Affects the Cost of Motorhome Insurance?

The cost of motorhome insurance will depend on several factors, including:

The size, type and value of the motorhome
How often and how far it is used
Storage location and security measures
Driving history
Whether the vehicle is used in the UK only or abroad

Specialist or high-value motorhomes may require more specialised cover, which can influence the overall premium.

FREQUENTLY ASKED QUESTIONS ABOUT MOTORHOME INSURANCE

- What are the different types of motorhome?
  There are a number of different vehicles that fall under the term 'motorhome'. They vary in size and cost, but some include: campervans, low profile, micro motorhomes, American-style RVs, coachbuilt or overcab, and van conversions. The cost of your motorhome insurance will vary greatly depending on lots of factors, such as which features you choose or what level of cover you need. As with all motor vehicle insurance, you will be expected to take out at least third party only (TPO) insurance by law. You can decide to extend this to third part, fire and theft (TPFT) or fully comprehensive.
- How much does it cost to insure a motorhome?
  The price of your motorhome insurance will vary considerably from vehicle to vehicle. The average cost of motorhome insurance in the UK is around £350 per year, however this depends entirely on the type of policy you take out, the breadth of features, and the style of your motorhome. You can choose to go for as simple or as far-reaching a policy as you like, however you should consider all the situations that may occur in order to be sure you have the best possible policy.
- Can I get a motorhome insurance quote online?
  At QuoteSearcher, we do one better than just showing you a load of quotes online. We contact our dedicated panel of motorhome insurance specialists with the details you leave in our quick and simple online form. Then, they call you back at a convenient time to organise you with a competitive motorhome insurance quote. We work with the most trusted and experienced motorhome insurance companies so you can rest assured that only the very best brokers are looking after you.
- Does motorhome insurance cover me when drive any other motorhomes or private vehicles?
  Most motorhome insurance brokers will let you drive any other motorhome or private vehicle, but with these other vehicles you will only be covered third party. You must also have the permission of the owner whose motorhome or private vehicle it is.
- What details do I need to provide to get a motorhome insurance quote?
  As motorhomes can vary so much, your insurer will ask you for quite a lot of information about you and your motorhome. These can include: make and model, number of berths, value of your motorhome, dimensions, age, mileage and how often you use it. Personal details such as your driving history, insurance history, whether you have completed any advanced driving courses and if you are a member of a motorhome club may also be asked.
- Will I be able to drive a motorhome with my normal driving licence?
  If your licence does not include category C1, you will not be allowed to drive a motorhome that exceeds 3.5 tonnes. If you passed your driving test before 1st January 1997 then your licence will automtically include C1, otherwise you will have to take the required test. If your motorhome exceeds 7.5 tonnes, you will need a category C licence (HGV licence). When applying for a motorhome insurance quote you may need to declare details, such as the weight, of your motorhome.
- What will happen to motorhomes after 2030?
  From 2030, the UK government plans to ban the sale of new petrol and diesel cars, including motorhomes. However, this does not affect existing vehicles, current motorhome owners can continue to use and insure their petrol or diesel vehicles as normal. Electric and hybrid motorhomes are being developed, but they are not yet widespread, so most owners will still rely on traditional fuel for the foreseeable future.
- Will diesel motorhomes be banned in the UK?
  No, diesel motorhomes can still be driven and insured after 2030. However, new diesel models will gradually be phased out in line with government environmental targets. Future costs, such as low-emission zone charges and potentially higher road taxes, may affect ownership, so it’s worth factoring these in when planning for the years ahead.
- Will motorhomes have to go electric?
  Traditional petrol and diesel motorhomes will continue to be available and insured for the foreseeable future. However, the industry is gradually moving towards electric and hybrid models as technology and infrastructure improve. QuoteSearcher works with specialist brokers and will offer insurance for electric and hybrid motorhomes as these vehicles become more common, ensuring you can stay protected no matter how the market evolves.

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