What Is Motorhome Insurance and Do I Need It?

Written by Sarah Dackombe on 25th February 2021

If you own a motorhome, you must protect your investment.

Just about everyone loves to holiday. However, safe travel requires a bit of planning—especially when it comes to motorhome insurance.

Planning a holiday typically involves booking a flight and hotel room as well as hiring a car. With a motorhome, however, you can get away at a moment’s notice.

A motorhome allows you to escape the worries of the week as fast as you can pull out the driveway. Still, it’s important to make sure you insure your motorhome before hitting the road.

To learn more about motorhome insurance and whether you need it, keep reading.

Owning a Motorhome

motorhome adventure

A motorhome is a great way to take a break from daily life. With a motorhome, you can create special memories. Doing what you want, when you want to do it is one of the great joys of life.

Planning a motorhome trip is easy, having that family discussion over dinner. Does the idea of exploring the British countryside sound like a blast to your family. You’re ready for an extended journey when you own a motorhome. This kind of freedom is invaluable.

Road trips are undoubtedly fun. However, it’s easy to miss the comforts of home. In a car, the things that you are used to for entertainment and convenience are far away.

Alternatively, the experience of a motorhome trip is quite the opposite. When you buy a motorhome, you can bring the comforts of home along for the ride.

Although fun, travelling is quite tiresome. In a car, it isn’t easy to get comfortable and relax.

A motorhome, however, offers a convenient home base. At any time, you can set up and watch the world pass by or take a comfy nap in your home from home.

Do I Need Motorhome Insurance?

Yes. In the United Kingdom, you must have motorhome insurance. However, you can’t use car insurance to cover your motorhome.

Also on the type of vehicle you own, it’s important not to confuse motorhome insurance with caravan insurance. A caravan is a similar accommodation to a motorhome.

However, you drive a motorhome, whereas you tow a caravan with your car.

Things could go wrong, for peace of mind make sure you are protected by getting cover from a specialist insurance provider.

The least you’ll need to buy is the minimum insurance allowed by law to drive your motorhome legally. Motorhome insurance protects you, your passengers, your vehicle and others. It covers you in the event of accidents, injuries, vandalism or theft.

A motorhome is a large vehicle with living accommodation. Consequently, they’re great for touring and exploring. There are many different kinds of motorhomes. For example, some people prefer small campervans.

Others, however, prefer the accommodation of a luxury motorhome. Despite your preferences you must insure your motorhome properly.

While you’re touring a motorhome is your home. For this reason, it’s important to make sure that it’s insured.

Check out personal possessions cover – it’s worth thinking about. You’ll leave your van for the day, and it’s a good idea to protect your property from damage or theft. Or, should you lose any of your keys, key protection cover is also worth investigating.

Cover for windscreen damage, windows and bodywork along with breakdown cover is worthwhile too. Research all of these ideas along with good customer service. These details will ensure you take care of yourself and your family.

What Kind of Vehicles Does Motorhome Insurance Cover?

motorhome insurance cover

Motorhome insurance might cover several kinds of vehicles. These vehicles include campervans & motorhomes and A-class motorhomes.

A campervan is a small, basic motorhome. You may find it better to purchase a campervan insurance policy designed especially for a campervan.

Meanwhile, a motorhome—as its name implies—it’s a home on wheels. Motorhomes are bigger than campervans. Furthermore, they have separate areas for driving and living.

You can also choose a policy based on your driving habits. For example, in rare instances, you may select a motorhome policy for commuting.

A commuting policy covers your vehicle as you drive from a fixed point to your place of employment. However, this kind of policy isn’t common among motorhome owners.

Alternatively, you may select cover for personal business use. A personal business use policy provides cover for commuting and work-related engagements.

The most common kind of motorhome policy is for social and domestic pleasure. This kind of policy provides cover for day trips.

Types of Motorhome Insurance

In general, you can choose from three different levels of cover for car insurance. This rule also applies to motorhome insurance.

The varying levels of motorhome insurance differ greatly in price. As a rule of thumb, the more cover a policy provides, the more it will cost.

You want to find the best-priced insurance motorhome cover. However, it’s also important to choose the right amount of cover to meet your needs in case of insurance claims.

The first level of motorhome insurance is fully comprehensive cover. This level of cover will protect you from accidental damage or vandalism.

Fully comprehensive cover also protects you in the event of a fire or theft. Furthermore, it will cover expenses that arise due to third-party damage or injuries that you might cause during an accident.

The second level of cover is third-party, fire and theft. This level of cover covers third-party damages and injuries that you may cause during an accident. As its name implies, It also covers fire and theft.

The third level of motorhome insurance is third-party only cover. This kind of policy only covers third-party damage that you might cause while driving your motorhome.

Third-party only cover is the least amount of insurance required to drive your motorhome legally. It’s important, however, to note that not all insurers offer third-party only cover.

Benefits of Motorhome Insurance

campervan insurance

Again, motorhome insurance is different from car insurance. Nevertheless, it gives you many of the same great benefits as car insurance. However, motorhome insurance provides more cover based on the needs of leisure vehicle drivers.

If needed, you can customise your motorhome insurance policy. For example, you may customise your medical payments. Additional medical payment cover helps to cover expenses for medical treatment if you or your passengers are hurt during a motorhome accident.

Alternatively, you may purchase additional collision damage. This add-on insurance will provide additional cover to help you to pay expenses if your motorhome gets damaged in an accident.

You can also purchase additional bodily injury cover. This cover is also protection in the event you’re in an accident while driving your motorhome. However, it covers occupants of other vehicles as well as pedestrians.

Finally, you may purchase additional property damage cover. In some instances, you might damage someone else’s property during an accident. If so, this kind of insurance add-on will provide more cover to pay for the repair of the property.

You probably take great care to maintain your motorhome properly. Likewise, it’s vital to secure the right kind of motorhome cover. With this in mind, it’s important to consider your motorhome insurance policy features.

Choosing the Right Insurance Features

motorhome insurance policy

There are other features that you may want to ensure are included in your motorhome insurance policy. For example, you may want European cover.

This kind of policy feature allows you to drive your motorhome in Europe for a given number of days. For example, the policy might allow you to drive your motorhome in Europe for 90 days every year.

Also, you’ll want to look into the contents cover in your motorhome insurance policy. It’s important to know the total amount that’s covered if something’s damaged or stolen from your motorhome.

You’ll also want to know if your insurer provides new for old cover. This kind of cover will replace damaged or stolen content with new items if they’re damaged or stolen.

When buying a motorhome insurance policy, it’s always a good idea to look into extra cover options. Usually, you can add policy extras as desired. For example, you can choose add-ons such as extra cover, excess protection or additional travel insurance.

Trust Us to Safeguard Your Motorcaravan Adventure!

Now you know more about motorhome insurance. What you need now is a leading UK motorhome insurer to ensure that you can hit the road safely.

Shield Total Insurance is your source for top-tier motorhome insurance. For more than 25 years we’ve served the needs of motorhome owners. We understand your unique requirements, giving you peace of mind at all times you are our priority.

We provide full cover for a range of caravans, including, campervans and self-build motorhomes. With our policies, you can access speciality motorhome cover for as little as 70p a day.

Contact our Shield Total Insurance expert helpline today at 0800 393 966 or connect with us online to find out more about your motorhome insurance quotes.

Looking for a related product?

Motorhome Insurance

Specialist motorhome cover from as little as £243.

Motorhome Breakdown Cover

Campervan Insurance

Expert campervan cover from as little as 87p per day.

Latest on the blog

static caravan cover
How to rent out your static caravan as a holiday home

To earn some extra income and help with the cost of ownership, renting out your static caravan as a holiday home can make perfect sense. With fewer holidaymakers willing or able to travel abroad, a…

Read More
5 Changes to EU Driving Laws in 2022

Now that Covid is becoming part of everyday life and we’re finding new freedoms again, you may be considering a trip to Europe in your Motorhome or Caravan. Before you hit the road, it is…

Read More