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Insure My Motorhome
At InsureMy we understand your motorhome is a true home from home, so our aim is to help you get the cover that works best for you. Compare quotes from tried and tested motorhome and campervan insurance specialists, all in one place and in less than two minutes. What’s more, we guarantee to find you the lowest price.
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The average cost of a new motorhome
With hundreds of custom options to choose from, motorhome insurance can cover almost anything from theft to travelling to Europe in your motorhome. Our panel of specialist providers means that you can find cover for both new and classic motorhomes. While you should always read the small print before you commit to any insurance, here’s an overview of what typically is and isn’t included when you insure with us:
Theft
Accidental damage
Third-party liability
Legal assistance (optional)
EU cover (optional)
UK breakdown cover (optional)
Protected no claims (optional)
PLUS thousands of other options to ensure your motorhome is fully protected
Damage or theft due to poor security
Theft when stored at a location other than what’s specified in your policy
Every day wear and tear
Pest infestation

Here’s just a few reasons to choose InsureMy for you can depend on:

With InsureMy, you can stay in one place and still shop around. Simply fill out one form to get quotes from our trusted panel of specialist motorhome and campervan insurers. The more you can tell us the better, so it’s helpful to have the following information to hand when you apply:
Motorhomes and campervans are defined as motor caravans by the DVLA, so need a specialist policy separate to your car insurance.
As motorhomes and campervans can be used for many different things, there are different types of cover to choose from.
Social only motorhome insurance If you use your motorhome or campervan purely for adventures and camping trips, social cover will probably suit you best. Just be aware that it won’t cover you for every day or business-related use.
Commuting and social motorhome insurance As the name suggests, commuting and social motorhome insurance will cover you for both your adventures and everyday use, including commuting to work. However, some insurers may only protect your vehicle to and from a single place of work, or not include business trips, so be sure to read your policy carefully.
Both motorhomes and campervans are vehicles that provide mobile accommodation and transport. Motorhomes are generally larger, with the cab and the living space more distinctly separated. Motorhomes usually contain a kitchen area, shower and toilet facilities. Campervans are usually smaller and more basic – often just a folding bed, cooker, sink and fridge.
Estimate your annual mileage based on how often you use your motorhome. For regular use, multiply weekly travel by 52 weeks; for occasional trips, use tools like Google Maps to calculate the distance of planned trips.
If you have a full UK driving license, you can drive motorhomes up to 3.5 tonnes. For vehicles up to 7.5 tonnes, you'll need to have passed your test before January 1, 1997, or take an additional test if you passed your test after this date.
Most insurers offer Third Party, Third Party Fire & Theft, and Comprehensive cover. Comprehensive typically covers damage to your motorhome as well as third-party liability, while third-party options focus on damage/injury you cause to others (and may add fire/theft under TPF&T). Exact benefits, limits, and exclusions vary by insurer and policy wording.
Some policies include contents cover, but it is often optional, capped, and may exclude high-value items unless declared. If you regularly carry expensive kit (e-bikes, cameras, laptops), check single-item limits, unattended-vehicle exclusions, and whether you need to specify items.
Accessories and modifications may be covered only if declared, especially if they increase the value or change the risk profile (e.g., solar systems, satellite domes, aftermarket alarms). A practical approach is to list any fixed additions and confirm whether they’re included as standard, covered up to a limit, or require extra premium.
Many policies treat gradual damp/water ingress as maintenance/wear and tear, which is commonly excluded, while sudden, accidental damage (e.g., storm damage causing an immediate leak) may be covered. If this is a concern, check whether the insurer offers any specialist cover or conditions (such as evidence of regular habitation checks).
Storage is a major rating factor. Insurers typically ask where the motorhome is kept overnight and may apply conditions for road parking or require higher security for certain locations. To avoid claim issues, keep the declared storage location up to date if it changes (even temporarily).
Common premium-reducing security measures include approved alarms/immobilisers, tracking devices, wheel clamps, steering locks, and secure storage. Insurers may require evidence of certain devices for theft cover, so it’s worth confirming what qualifies and whether any must be Thatcham/Sold Secure or similarly approved.
Most policies allow you to add named drivers, but eligibility may depend on age, licence type, driving history, and sometimes motorhome experience. If you plan to share driving on trips, add drivers in advance—undeclared drivers can invalidate cover.
Standard private motorhome policies often exclude hire-and-reward/rental use unless you have specialist cover. If you plan to rent it out or use it for any commercial purpose, you should declare this upfront and obtain a policy that explicitly permits it.
Some comprehensive policies include glass/windscreen cover with a separate excess; others treat it as a standard claim. Check whether repairs (chips) affect your no-claims discount, whether there’s a preferred repair network, and the excess amount for replacement versus repair.
No-claims discount (NCD) rules vary: some insurers allow you to use an existing NCD, others require a motorhome-specific history, and some allow mirrored/introductory discounts with evidence. Confirm whether any claim (including theft or accidental damage) affects NCD and whether protected NCD is available.
If you travel outside the UK, check your policy’s claims process: emergency helplines, required documentation (police report for theft/accidents), repair authorisation, and whether repatriation of the motorhome is included. Keeping photos, third-party details, and written incident notes helps speed up settlement.
Many insurers can start cover immediately or from a chosen future date, but some benefits (or price guarantees) may have conditions. Make sure the start date aligns with when you’ll take possession or first drive the motorhome and keep proof of purchase/ownership handy.