Why You Need Campervan Insurance
If you’ve been wondering how serious travellers spend their holidays, we’ve got the answer for you, and its campervans.
Campervans are becoming more and more popular among people who want to avoid the hassle of airport check-ins, but still see another corner of the world - on their own terms.
Enter the campervan. Campervans are functional and allow exploring a country like never before.
More people than ever choose the open road instead of hotel resorts - it’s just a far more exciting and adventurous way to spend a holiday.
But travelling in a campervan is different than regular travelling and requires special kind of insurance.
Campervans can come in luxurious models that cost considerable sums of money.
That’s why smart travellers rely on specialised campervan insurance.
We have ample experience in arranging campervan cover and will take care of your van as you enjoy travelling and living inside it.
Differences Between Motorhomes and Campervans
It’s critical that you don’t confuse a motorhome with a campervan when purchasing your insurance.
Motorhomes and campervans share many things, but some features also make them different.
Find out more about Lancaster Insurance Services's motorhome insurance here.
Contrary to campervans, motorhomes usually have the driving cab separated from the living space.
Campervans tend to be smaller and more compact.
One of the most common campervan types is the Volkswagen Camper, but the vehicle comes in various shapes and sizes.
Some campervans even have a pop-up or high-top roof.
Motorhomes are larger and designed for roaming the country for more extended periods.
Most motorhomes also contain far more advanced appliances than campervans (for example, full-sized ovens, fridges, and bathrooms).
Motorhomes generally fall into these four categories: coach-built, A-class, American ‘RV’ style, and race trucks.
What’s Not Covered With Campervan Insurance?
Unfortunately, campervan insurance can’t cover everything that might go wrong with your campervan while travelling or at home.
It’s essential that you review exclusions to insurance policies to have a clear idea about what is not covered.
For example, some insurers might not provide cover if the vehicle was stolen while you have left it unattended with the engine running.
There may be more examples of similar situations so make sure to ask your provider about these exclusions.
Another potential exclusion of campervan insurance is damage to tyres caused by braking. That may include punctures, bursts, or cuts.
Moreover, some insurance policies may not cover damage caused by domestic animals, moths, vermin or pests.
We always strive to make sure the campervan policies we arrange are as accommodating as possible to the individual needs of our customers.
If you would like to cover a particular situation, let us know, and we will include it in the calculating process when you ask us for a quote.
How Do I Make a Claim?
Whether you have been in an accident, victim of a fire or your vehicle has been stolen, notify the Lancaster claims line as soon as possible by calling 01480 484802.
If you’re dealing with theft, make sure to report it to the police immediately.
Make a note of the crime book reference number the police give you. We will need it for processing.
Then make a call to our claims line, and one of our technicians will help you take the next steps to make your claim.
How Much Does Campervan Insurance Cost?
Just like any other insurance, the cost of campervan insurance is based on several factors.
The cheapest campervan insurance may cost as little as £150.
But it can easily reach a thousand pounds.
The exact cost of insurance depends on many different things - for example, your campervan model and age.
It rarely happens that coverage exceeds £1,000, but it can happen in the case of high-premium campervans.
We aim to offer our clients a great price on specialist campervan insurance.
How do we calculate your campervan insurance policy premiums?
The cost of your campervan insurance cover is calculated based on a number of factors. These include information about both you (as well as any other potential drivers) and your vehicle. For example:
- Your details: Including your age and address
- Your campervan driving history: Your driving history, including any insurance claims you’ve made on a previous policy and/or convictions as well as previous experience of driving a Campervan or Motorhome will all be factors in the premium you pay
- The age and value of your campervan: A newer or more expensive vehicle, for example, might have higher premiums than an older campervan or caravan vehicle
- Where you store your campervan: Parking off-road, behind a barrier or at a campervan storage site may result in a lower quote
How you can save on classic campervan insurance or motorhome insurance
You want to give your classic campervan the best protection possible. But you also want the most cost-effective UK campervan or motorhome insurance cover on offer. Follow our tips and see how much you could save on your next insurance policy:
- Add extra security: Keep your campervan or motorhome secure with an alarm system or tracking device
- Park your vehicle off-road: Keep your vehicle on a driveway or garage to get cheaper cover on campervan insurance
- Reduce your mileage: Don’t travel in your campervan for non-essential trips and you could pay less for your classic campervan insurance
- Pay annually: Paying a one-off sum for campervan or motorhome insurance is cheaper than paying monthly. Your quote will include both options
- Check add-ons: Insurance for classic campervans can come with added extras, such as campervan insurance breakdown cover or overseas travel cover. Only pay for what you need
Choose the right campervan cover: Campervan conversion insurance
It’s important you declare any vehicle modifications to your insurance provider to ensure your policy remains valid. If they think you’ve misled them, they may not pay out on a future claim.
Modifications to a vehicle such as removing seats, adding kitchen fittings or installing power supplies is great for your travel plans, but may also affect the cost or acceptability of your insurance premiums.
Make sure you fully understand the terms of your current insurance policy and compare options from a number of UK insurance providers.
You may find switching to specialist insurance broker for converted campers is a smarter choice when it comes to insuring your campervan/specialist vehicle.
With the right cover in place, you’re free to travel and enjoy your UK campervan holiday in style.
Get covered: Start your campervan insurance quote today
At Lancaster Insurance Services, we know you want insurance suited to your needs. Whether that’s a policy that includes UK business travel or breakdown cover for campervans, we’ve got you covered.
We take the time to understand you, your vehicle and your requirements to find the right campervan insurance policy or motorhome insurance policy for you at the right price.
From campers to caravans to motorhomes, find out what cover we can offer. Get in touch with a campervan insurance professional today for your quote.
Here at Lancaster Insurance Services, we’ll get you the best cover to suit your needs that we possibly can and for the best price that we have available.
What Do I Need To Get Campervan Insurance?
You can only get campervan insurance if you’re over the age of 21.
Note that insurance offers for drivers who are younger than 25 years of age may be slightly more expensive.
Age is one of the factors insurers consider when generating a campervan insurance quote.
Naturally, you also need to show us that you’re the legal owner of the campervan in question.
We will require you to provide us with documents that prove your ownership.
*Policy benefits, features and discounts offered may vary between insurance policies and are subject to underwriting criteria.
Identifying the right type of insurance for a classic campervan can significantly vary based on your usage and the specific features of the vehicle.
This policy offers broad protection that includes accidental damage, fire, theft, and third-party liability. It protects you financially from damages to your vehicle, as well as any harm it may cause to others or their property.
Additionally, you might want to consider breakdown cover. Should your classic campervan require repairs, having breakdown cover may help alleviate the burden of finding the expense of hiring a mechanic or arranging for a tow to the nearest garage.
Another optional coverage is the contents insurance, which safeguards your belongings within the campervan from theft or damage.
If you plan on renting out your classic campervan for wedding hire on a small number of occasions (between 4 – 6 times), then rental insurance can offer coverage for potential damages or liabilities during the rental period.
We provide comprehensive coverage for a broad range of classic campervans. When it comes to the question, "What kinds of classic campervans do you cover?", our answer is all-encompassing. We understand that campervans come in many different shapes and sizes, from compact models to larger, more luxurious options.
Our coverage includes but is not limited to Class B motorhomes, conversion vans, high-top vans, and pop-top campers. We also cater to vintage and custom-built campervans. Our aim is to provide extensive protection regardless of the type or size of the campervan.
A classic motorhome or campervan, as classified in the automotive world, is a self-propelled vehicle that combines transportation and living quarters for travel, recreation and camping. To delve into specifics of what is classed as a motorhome or campervan, these vehicles typically include features such as a sleeping area, kitchen, and a bathroom.
The size and facilities can vary greatly depending on the model and type. While a classic campervan is generally smaller, offering basic amenities and compact living space, classic motorhomes are larger and equipped with more luxurious features akin to a home setting.
The classification of a vehicle as a motorhome or campervan is largely based on its layout, size and the level of comfort it provides. Importantly, these vehicles provide the freedom to travel and live with convenience and comfort, making them popular among travel enthusiasts.
Available Benefits at a Glance:
- Motorhome Club member discounts*
- Free EU cover up to 90 days
- Up to 365 days EU cover Available
- Gas Bottle & Awning Cover
- Windscreen Cover
- Optional Breakdown Cover**
- 24 Hour Claims Helpline
- UK Based Call Centre
- Personal Effects up to £6000
- Limit Mileage Discounts Available
**(available from £49.95)