Motorhome Insurance

Owning a motorhome is a dream come true for many people. It offers the freedom to travel and explore the world at your own pace, providing you with a comfortable and convenient home away from home. However, just like any other vehicle, a motorhome requires insurance to protect both you and your investment.

What Is Motorhome Insurance?

If you’re a passionate explorer, there’s no better way to travel the world than from the comforts of a motorhome. From exploring the European coast to taking a dip in the UK lakes, motorhomes offer plenty of holiday inspiration to those looking to satisfy their wanderlust.

Smart motorhome owners ensure that their vehicle is covered in case of unexpected events. If you have a motorhome and use it to roam the country, you need specialist motorhome cover that includes the vehicle and its contents to make sure your trip is safe.

Motorhome insurance can come with many different benefits to help you enjoy your holiday trip to the fullest, some of the benefits include:

  • From 90 days EU cover. A 365 day option available for an additional premium.
  • New for old replacement available if vehicle is less than one year old.
  • Up to £1,000 audio cover.
  • Windscreen cover included
  • Personal effects cover – up to £5,000.
  • Up to £2,500 cover for awnings, gas bottles, generators & camping equipment.
  • Agreed valuation available if vehicle is aged 15+ years.
  • Optional Breakdown Cover Available from £49.95

Differences between motorhomes and campervans

Motorhomes and campervans are often confused with one another while, in reality, they are two completely different types of vehicles.

A campervan is usually smaller than a motorhome. Another critical difference is that in campervans, the driving and living space are combined together - not separate as in the case of motorhomes.

One of the most common campervan types is the Volkswagen Camper, but this type of vehicle comes in various shapes and sizes. Some campervans even have a pop-up or high-top roof.

Motorhomes, on the other hand, are larger and designed for cruising around the country for more extended periods than campervans. The driving cab is usually separated from the living space, providing comfort to travellers.

Most motorhomes also include far more advanced appliances than campervans (for example, full-sized ovens, fridges, and bathrooms).

Motorhomes fall into 4 categories: coach-built, A-class, American ‘RV’ style, and race trucks.

What are the differences between motorhome and campervan insurance?

The difference between motorhome and campervan insurance lies primarily in the type of vehicle being insured and the level of cover provided.

  • Motorhomes: These are typically larger, self-contained recreational vehicles with more amenities, while campervans are smaller, more compact vehicles that may have fewer features. Consequently, motorhome insurance tends to offer broader coverage and higher policy limits to account for the increased value and complexity of the vehicle.
  • Campervans: Campervan insurance is often less comprehensive and more affordable, as these vehicles are generally less expensive and require less extensive protection.

Both types of insurance, however, aim to safeguard owners against potential risks and liabilities associated with their respective recreational vehicles.

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)

Exclusions on a motorhome insurance policy

There are situations in which your motorhome insurance policy may not provide cover. These may include:

  • Exclusions such as loss of use, wear and tear, and depreciation.
  • Loss or damage resulting from theft when keys are left in the ignition.
  • Accidents or damages caused by an individual operating the vehicle without the proper license.
  • Tyre damage due to braking or from punctures, cuts, or blowouts.
  • Harm to your vehicle caused by household pets, moths, pests, or infestations.
  • The aforementioned points are just a few of the exceptions that apply to your motorhome insurance. For a more comprehensive list, kindly refer to your policy documents.

Protecting your investment with motorhome insurance

Motorhome insurance is an important aspect of motorhome ownership, providing both legal compliance and financial protection for your investment.

By understanding the different types of coverage available, factors affecting insurance rates, and tips for reducing premiums, you can make an informed decision when selecting the best motorhome insurance policy for your needs.

Yes, it does. You can easily take trips abroad with your motorhome without a second thought - you’re completely covered. A standard rate amounts to 90 days of European cover, but can often be extended to 180 days. If you would like to travel abroad for a more extended period, choose the 365-day cover option for an additional premium of £74.95.

Yes, if you would like to travel with your motorhome, you need to insure it just as you would every other vehicle. To enjoy exploring the world with your motorhome, get the appropriate insurance and you’ll be able to travel wherever you want, knowing that you’re fully protected.

Every passionate traveller needs travel insurance that provides the right medical cover, especially if you suffer from particular medical conditions. Don’t forget that healthcare costs can be very high in some foreign countries.

If you get ill while abroad, you might be presented with a high medical bill at the end of your trip. Don’t risk that and ensure you get travel insurance in place.

Motorhomes are like holiday homes. When you’re travelling in your motorhome, you’ll be leaving your main home empty - and that’s where home insurance comes in handy. It will protect your home against theft or accidental damage.

If you have sold or are planning to sell your vehicle, it’s possible to perform a ‘Change of Vehicle’ amendment to your policy. Note that many of the policies are specialist policies that may cover only that specific type of vehicle.

If your new vehicle is different, we may offer you the option to cancel your current policy and replace it with one that matches your needs. To request a change of vehicle amendment, please get in touch with our customer services department.

Alternatively, you can telephone us on 01480 484826 to discuss your specific classic car insurance requirements.

Yes, motorhome insurance is a legal requirement in the UK. You must have at least third-party insurance coverage to drive your motorhome on the road.

No, motorhomes require a separate insurance policy, as they are considered a different class of vehicle.

When it comes to suspending motorhome insurance over winter, the answer ultimately depends on the specific insurance policies and procedures set forth by your insurance provider.

While some companies may allow you to temporarily suspend coverage during periods of non-use, others may require that your motorhome remains insured throughout the entire year.

It is important to consult with your insurance agent and thoroughly review your policy to determine if you can suspend your motorhome insurance over winter.

Additionally, keep in mind that even when your motorhome is not in use, it is still susceptible to various risks such as theft or weather-related damages, making it crucial to weigh the potential cost savings against the potential risks involved.

Certainly, insuring your self-built motorhome is not only possible but also highly recommended. Obtaining insurance for a self-built motorhome ensures that you are financially protected against accidents, theft, or any unforeseen damages.

However, it's important to note that the process might be different compared to insuring a commercially manufactured motorhome. You will need to provide comprehensive documentation of the vehicle's construction, including receipts for materials, labour, and any professional inspections.

Additionally, working with an insurance provider that specialises in custom-built motorhomes can help streamline the process and provide adequate motorhome cover that best suits your unique needs.

Motorhome insurance is crucial for several reasons. Firstly, it is a legal requirement in the UK to have at least third-party insurance coverage for any vehicle on the road.

This means that if you are involved in an accident and found to be at fault, your insurance will cover the costs of any damage or injury sustained by the other party. Without insurance, you could face significant financial difficulties, as well as potential legal repercussions.

  • Protect your investment: Motorhomes can be expensive, and without proper cover, you may find yourself in a difficult financial situation if your motorhome is damaged, stolen, or destroyed. Insurance can help to cover the costs of repairs or replacement, allowing you to continue enjoying your motorhome without the worry of financial strain.
  • Peace of mind: Accidents can happen, and knowing that you have adequate coverage in place allows you to focus on enjoying your travels, rather than worrying about potential financial risks.

In the UK, the price of motorhome insurance is determined by Lancaster Insurance and the specific insurance plan you seek.

Various factors contribute to your insurance quote, such as:

  • The vehicle's make and model
  • The location where it is kept when not in use
  • The designated driver or drivers
  • Your claims history
  • Your No Claims discount

There are several ways to reduce the cost of your motorhome insurance premiums.

Some tips include:

  • Increase you excess: However you must consider whether you would be able to afford the excess payment in the event of a claim.

  • Improve security: Installing approved security devices, such as alarms, immobilisers, and tracking systems, can help to reduce your insurance premiums. Additionally, storing your motorhome in a secure location when not in use can lead to savings on your insurance costs.
  • Limit your mileage: Some insurance providers offer lower premiums for motorhome owners who cover fewer miles each year. If you only use your motorhome for occasional trips, consider a motorhome insurance policy with a limited mileage allowance.
  • Build a no-claims discount: Maintaining a claims-free record can lead to substantial discounts on your motorhome insurance premiums.
  • Consider membership discounts: Joining a motorhome club or association may grant you access to exclusive discounts on motorhome insurance. Many providers offer reduced premiums for members of recognised organisations.



In the UK, the price of motorhome insurance is determined by Lancaster Insurance and the specific insurance plan you seek.

Various factors contribute to your insurance quote, such as:

  • The vehicle's make and model
  • The location where it is kept when not in use
  • The designated driver or drivers
  • Your claims history
  • Your No Claims discount

Several factors can influence the cost of motorhome insurance in the UK.

Some of these factors include:

Type and value of motorhome

The make, model, and age of your motorhome will have a significant impact on your insurance premium. Newer, more expensive motorhomes will generally cost more to insure, as the potential costs of repair or replacement are higher.

Driver's age and experience

Younger or less experienced drivers may face higher insurance premiums, as they are considered higher risk by insurance providers. Conversely, older, more experienced drivers may benefit from lower insurance rates.

Claims history

If you have a history of making claims on previous motorhome insurance policies, you may find that your premiums are higher. Lancaster Insurance may view a history of claims as an indication of increased risk and may charge more to cover potential future claims.

Storage and security

How and where you store your motorhome when not in use can also affect your insurance premiums. Motorhomes stored in secure locations may attract lower insurance rates, such as:

  • Locked garages
  • Storage facilities

Also by having security features such as an alarm system or immobilisers installed may help to reduce your motorhome insurance cost.

There are several types of motorhome insurance coverage available in the UK, each offering different levels of protection. The three main types are:

Third-Party Only (TPO)

This is the minimum level of insurance required by law in the UK. It covers any damage or injury you cause to another person or their property in the event of an accident. It does not cover any damage to your own motorhome, nor does it cover theft, fire, or vandalism.

Third-Party, Fire, and Theft (TPFT)

This type of insurance provides the same coverage as TPO but also includes protection against fire and theft. This means that if your motorhome is stolen or damaged by fire, Lancaster will cover the costs of repair or replacement.


Comprehensive cover offers the highest level of protection, covering everything included in TPFT, as well as any damage to your own motorhome, regardless of who is at fault in an accident. I

Carefully consider your needs and budget when deciding on the level of motorhome insurance coverage. While comprehensive insurance offers the most protection, it can also be more expensive than TPO or TPFT motorhome policies.