• Fully comprehensive
  • Third-party fire and theft
  • Third-party-only policies available
insurance for my motorhome

Motorhome Insurance

Specialised cover for motorhome owners in the UK, protecting against damage, theft, and liabilities during use or storage.

  • Social, domestic, and private use
  • Competitive premiums
  • UK-based claims service
Speak to us:  01603 649744

Motorhome insurance provides vital protection for your pride and joy. It allows you to enjoy life on the open road, safe in the knowledge you’re covered for every eventuality.

The Alan Boswell Group Difference

As motorhome insurance brokers we’ve been arranging insurance cover for businesses for more than 40 years and have access to a panel of the country’s leading insurers.

Our dedicated team looks after motorhome clients from across the UK; everything from fleets of commercial hire vans, to small family-run motorhome hires, from storage companies who also offer their customers a hire van, to splitter vans taking bands on tour. We help you with any claims, supporting you through the process.

We’ve also put together a range of useful guides, articles and tips for motorhome and campervan owners in our knowledge hub.

Motorhome insurance adviser

How our customers rate us

Every year I get good, prompt, and professional service when I renew my car insurance.

Dr Turner, Private Car Insurance

What is motorhome insurance?

Motorhome insurance is a type of vehicle insurance specifically designed for motorhomes and campers. They can cover a range of events more specific to claims for these types of vehicles including:

  • Extended European travel;

  • Theft;

  • Windscreen repair;

  • Cover for personal belongings;

  • Damage to anything above head height.

The specifics of your policy will depend on the level of cover you choose. There are three levels to choose from:

  • Third party only – this is the minimum level of cover you can have by law. It compensates other people for injury or damage you cause. This level of cover won’t cover damage to your own campervan or motorhome.

  • Third party, fire and theft – includes the same cover as third party only and will also compensate you if your camper or motorhome is stolen or damaged by fire.

  • Comprehensive – includes third party, fire and theft and will also cover costs if your vehicle is damaged in an accident regardless of who is at fault. If you are going to be leasing your vehicle out, you will need self-drive hire insurance, which is always fully comprehensive to ensure both your asset, and the user, are protected.

Do I need motorhome insurance?

Yes, you must have appropriate insurance by law. If you don’t have a policy in place, you can be fined and given up to six penalty points. If you’re taken to court, you could even be disqualified from driving. The only time you are not required to insure your motorhome is by officially declaring the motorhome to be off the road. To do this you must contact the DVLA and apply for a Statutory Off-Road Notification (SORN). When you need to make a SORN – GOV.UK (www.gov.uk).

Motorhome insurance in detail

Cover varies according to the type of motorhome insurance you buy. The details below are part of a fully comprehensive motorhome policy, but may vary for third-party, fire and theft and third-party-only policies.

Accidental/malicious damage cover

Cover for repairs by an approved repairer.

Theft from vehicle

Cover for communications, entertainment, and navigation equipment.

Damage caused by theft or attempted theft

Cover for damage caused as a result of theft.

Fire damage

Covers fire damage (unless caused by cooking or heating food and drink).

Third-party while towing

Up to £5m limit for damage to third parties

Glass and windscreen

Including panoramic roofs, sunroofs, and folding rear windscreens.

Replacement locks

If your keys fall into the wrong hands and there's a risk of theft.

New vehicle cover

Up to £100 limit for belongings within the motorhome.

Personal accident

Up to £5,000 for the death of you, your spouse, or civil partner in the event of an accident. Up to £2,000 for loss of limbs and £2,000 for complete or permanent loss of sight.

European travel

Cover for up to 30 days' travel within the EU per year. Insurer must be informed in advance of travel.

Courtesy vehicle

A courtesy vehicle if your vehicle is being repaired following a claim (subject to availability).

Optional extras

The range of optional extras available will depend on the insurer but could include features such as:

Legal expenses cover

Our motor legal expenses from ALPS (Auto Legal Protection Services) will cover up to £100,000 for £30 and will include any adviser costs if you have an accident. This will mainly be for uninsured drivers or personal injury if you think that this was caused by the third parties' negligence.

Key care

Our key care cover will provide yourself, any named drivers, and any immediate member of your family, cover for the motorhome’s keys which have been lost, stolen, or broken. This will be up to £1,500 of cover for any keys, new locks and locksmith charges if there is a security risk and you need to change the locks. This is all covered for just £15 and provided by Coplus.

Call Assist breakdown and recovery services

We have Call Assist vehicle breakdown cover available as an optional extra, this will cover roadside assistance, onward travel, or overnight accommodation and also recovery of the motorhome/campervan to your preferred destination. We can offer both UK only cover at £195 and UK & EU cover for £275.

Excess protection

We can cover your excess as an optional extra. We have a sliding scale between £300 and £2,000 of cover with prices starting as low as £35. This will mean if you do have a claim, you will have to pay the excess initially but this can then be claimed back from ALPS (Auto Legal Protection Services).

Please keep in mind that your replacement vehicle will be a small hatchback as Call Assist don’t have a fleet of courtesy motorhomes.

FAQs

Get in touch

Whether you need a quote, have a general enquiry, want to register a claim, or talk it through over the phone, we're here to help.

Speak to us:  01603 649744
Will Hutchings

Insurance Adviser

Tom Rayner

Insurance Adviser

Daniel Chinn

Insurance Adviser