It may not be as exciting as choosing and buying a motorhome, but getting the most appropriate motorhome insurance can give you reassurance that your motorhome is appropriately protected.

Motorhome insurance in the UK is there to help manage financial risk if something unexpected happens, such as damage to the vehicle or its loss through theft or fire. Exactly how that protection works depends on the insurer and the policy wording, but the starting point is usually the same: cover that reflects the value of the motorhome and how it is actually used.

Motorhome insurance cover

In everyday terms, many motorhome owners choose to insure their motorhome on a comprehensive basis. This normally includes cover for damage to the motorhome itself following an accident, alongside protection against fire and theft. Third-party liability may also typically be included, which is a legal requirement and applies if injury or damage is caused to other people or their property.

Where motorhomes differ from cars is in the detail. Fixed internal fittings, appliances and built-in equipment are often taken into account, rather than treated as loose accessories. Some policies also include a level of cover for personal belongings kept inside the vehicle.

Limits usually apply, and higher-value items may need to be specified separately, which is something many owners only discover when they start comparing policies.

Occasionally, third party, fire and theft cover is discussed, usually where budgets are tight or the motorhome is older. This offers more limited protection and does not cover damage to the motorhome itself following an accident. Whether it is appropriate depends on individual circumstances and attitude to risk.

How much does motorhome insurance cost?

When it comes to cost, motorhome insurance providers typically look at a mixture of vehicle and driver information. The motorhome’s value is central, as it influences repair or replacement costs. Its size, weight and construction can also be relevant, as can whether it is a panel van conversion or a coachbuilt model.

How the motorhome fits into day-to-day life matters too. Some owners travel year-round, while others use their vehicle seasonally and store it for months at a time. Annual mileage, time spent off the road and plans to travel outside the UK are all details insurers commonly ask about.

Motorhome storage

Storage is another topic that often comes up in conversation. A motorhome kept in a secure storage facility may be viewed differently from one parked on the road, particularly when it is not being used. Driver history is also considered, including previous claims and motoring convictions, as this helps insurers assess overall risk.

European travel

Many policies allow optional extras to be added. If it isn’t included in the cover already, European travel cover is one of the most common, especially for owners planning touring holidays abroad. This is usually limited to a set number of days per year and may only apply in certain countries, so it is worth checking before setting off.

Breakdown cover

Breakdown cover is another area people often need to consider. This is typically an optional element of cover.

Legal expenses cover

Some motorhome insurance providers also offer legal expenses cover (as a standard or optional element of protection), which may help with certain uninsured costs following an incident, subject to policy limits and conditions.

Managing motorhome insurance costs

There are also straightforward ways to approach insurance costs sensibly. Security devices, such as alarms or tracking systems, are often discussed with insurers, as are storage arrangements. Being accurate about mileage and usage helps ensure the policy reflects reality rather than estimates that do not quite fit.

Some owners may choose a higher voluntary excess to reduce premiums, accepting that this increases their contribution if a successful claim is made. Others review their insurance periodically, particularly if the motorhome’s value or how it is used changes over time.

Derbymotorhomes and your insurance

Here at Derby Motorhomes, we will be happy to help you access a motorhome or campervan insurance quote.

Disclaimer: This article is provided for general information only and does not constitute insurance, legal or financial advice. Motorhome insurance terms, conditions, exclusions and premiums vary between insurers and are subject to underwriting and individual circumstances. Buyers should always review policy documentation carefully and seek independent advice where appropriate.