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Spend some time entering your details and the details of your campervan. You’ll get access to a variety of quotes so that you can find the right one for you.
Compare the UK’s most reputable policies and prices to find the right campervan insurance plan for you.
Once you’ve chosen the campervan insurance for you, sit back and wait for your cashback to roll in. It’ll take under 90 days.
Types of campervan insurance
A campervan is a vehicle that’s used for transport and living accommodation and can range from larger vehicles, like A-class, to smaller models including self-built motorhomes or coach-built vehicles.
Just like any other road vehicle, you’ll need to insure it properly. However, when it comes to insurance there’s one big difference - a campervan can be covered by car insurance or van insurance depending on its specifications, but motorhomes are defined as a motor caravan by the DVLA and need a specialist policy.
There are three main types of campervan insurance policies:
Third party
The minimum level of cover you’ll need to drive on UK roads. This will only cover the cost of compensating other people for injury or damage you cause to them or their vehicle.
Third party including fire and theft
This offers the same level of cover as third party, but could also cover you if your campervan is stolen, damaged or destroyed by fire.
Fully comprehensive
This includes all of the cover offered by a third party fire and theft policy, and could also cover your motorhome if it’s damaged or destroyed by an event that is considered your fault.
It’s worth assessing your needs at the time regarding the three types of cover, because if your plans change, you’ll need to contact your chosen policy provider.
Ways to save on your campervan insurance
Joining a campervan or motorhome owners club
Being a member of a camping club can sometimes earn you a discount from insurance providers, but you’ll have to prove your membership
Storing the vehicle off road
Using a barrier or a Caravan Storage Site Owners’ Association (CASSOA) registered site
Adding extra security
An alarm system or a tracking device
Building up your no-claims discount
Careful drivers always reap the benefits
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What campervan insurance covers and doesn’t cover
What it does include
Apart from the three main policies already discussed, some policies also cover certain add-ons. These come as standard with most policies:
- Personal belongings cover - this protects and valuables and belongings kept in your campervan
- Awning cover - to cover potential damage to the awning during a storm
- Windscreen cover - this covers the cost of any damage such as chips or cracks
What it doesn't include
There are some instances where your motorhome insurance will not cover you. These include:
- Loss of use, wear and tear, and depreciation
- Loss or damage arising from theft when the keys have been left in the ignition
- Any accident or damage caused by someone driving the vehicle without the appropriate licence
- Damage to tyres by braking or by punctures, cuts or bursts
- Damage to your vehicle arising from domestic animals, moth, vermin or infestation
How much does campervan insurance cost?
The cost of insuring a campervan varies. It can depend on several factors:
- Age
- Address
- Where you keep your motorhome when it’s not in use. If it’s parked on the street rather than off the road or behind a barrier, this could push up your premiums or, in some locations, make it difficult to insure at all
- Driving history, including any insurance claims you might have made – a longer no-claims bonus typically rewards you with cheaper insurance
- How long you’ve driven a motorhome for – with more experience driving this type of vehicle, you may get a cheaper deal
- The make and model of the motorhome – higher-value vehicles tend to be more expensive to insure. Classic motorhomes or campers, like the retro VW campervan, may also come with higher premiums
- Your existing and expected annual mileage – the higher the mileage, the more you can expect to pay. However, if you only use the motorhome for short periods during the year, this can bring your costs down
- Your access to other vehicles – having access to other vehicles is likely to reduce your premium. If you use your motorhome or campervan for commuting or business purposes then you’re likely to pay more
- Whether you want to add other named drivers to your policy
FAQs for campervan insurance
Do you need special insurance for a campervan?
You need vehicle insurance to legally drive on the road and that means a minimum of third-party cover. This will pay out to the other party if you have an accident and you are to blame.
Remember, third party insurance won’t cover the cost of any repairs to your own campervan. And if your campervan is a write-off or is stolen, you’ll have to pay for any replacement yourself. If you want to cover your own bills too, you’ll need fully comprehensive insurance.
How much is insurance on a campervan?
The cost of campervan insurance depends on things like the vehicle’s age, type and size as well as the owner’s personal details and whether you have a no claims bonus. To get an idea of how much it’d cost to insure your campervan, compare quotes at Quidco by using the 'GET A QUOTE' button above on this page.
Why use Quidco?
Quidco has been helping people like you earn cashback for over 15 years! Here at Quidco, we pride ourselves on being one of the UK's leading cashback services, we have over 10 million members in the UK and over £1 billion earned in cashback.
Will home contents insure my campervan?
Your home contents insurance usually does not cover household items you have in your campervan. For those items, you need separate insurance coverage.
Can I drive a motorhome on my car insurance?
Motorhomes aren’t used in the same way as cars, for instance, staying in the vehicle overnight or cooking in it, so they carry a very different set of risks that need specialist insurance. No, you cannot drive a motorhome with only car insurance.
How do I estimate mileage?
Work out the number of miles you drive in a typical week and multiply this by 52. Add on any infrequent long trips you make, like holidays.
When can I expect my cashback to be confirmed?
Your cashback should be confirmed and ready for withdrawal within 60 days of you taking out a quote. In some cases, it may take longer — if you haven't received your cashback within 90 days, please get in touch with our support team. You'll able to to see the progress of your cashback at any time in your activity.
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Useful information
Please note: by clicking the “Get a quote” button, you consent to your details being transferred to up to five insurance providers. The insurance providers will contact you via telephone to discuss your policy.
Please note:
- Cashback is only available for genuine quotes.
- Cashback is limited to 3 quotes per person for each product per year. Abuse of this may lead to the termination of your Quidco account.
- Any user found giving false details will have their Quidco account terminated.
When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.
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*Cashback rates - £3 per valid campervan insurance purchase.