Compare motorhome insurance quotes

From VW campervans to RVs, it is important to have insurance in place for your motorhome. Compare motorhome insurance policies and get £3 in cashback*

motorhome insurance
motorhome insurance

Compare a range of top providers to get a cheap motorhome insurance quote

1
Get quotes

Spend some time entering details about your motorhome. You’ll get access to a variety of quotes so that you can find the best one to suit you. 

2
Compare

Compare the UK’s most reputable policies and prices to find the right insurance plan for you.

3
Get paid

Choose a policy. Your cashback will be on its way and in your account in less than 60 days. 

Why get a motorhome insurance quote here?

There is no better feeling than hitting the road and heading out for your next adventure in your very own motorhome. If you own a motorhome, it's important to make sure you have the right level of cover. When you compare motorhome insurance policies at Quidco Compare, you can choose from several different quotes and receive cashback when you switch.

What is motorhome insurance?

Motorhome insurance is a particular type of insurance policy that allows you to protect your beloved home on wheels, whether it’s a motorhome or recreational vehicle (RV), it is important to make sure it is insured should anything unforeseen happen. 

Unlike a caravan, a motorhome is usually a vehicle built on a truck or bus chassis to serve as self-contained living quarters for recreational travel. Whereas a caravan is a lot smaller and much more limited. Motorhome insurance is, however, a legal requirement as it is classed as its own vehicle with an engine. There are roughly 225,000 motorhomes in the UK, currently.

What does motorhome insurance cover?

Motorhome insurance covers a range of different factors which are important to note when putting together a policy. Insurance for your motorhome is not only important, but it is a legal requirement due to the vehicle having an engine.  

Traffic accidents

Stay protected on the roads with insurance for your motorhome. Should you have an accident that was your fault or not, a fully comprehensive policy will protect you financially, should you need to claim. 

Third party, fire and theft

This covers the other party if you’re involved in an accident and also protects you should your motorhome be exposed to fire, or broken into.

Fire damage

Should your motorhome get damaged due to fire, then a good insurance policy will cover this. Providing you get third party, fire and theft, or comprehensive cover, as third party only will not cover this. 

Theft and damage caused by break-ins

A third party, fire and theft policy or comprehensive cover will protect your motorhome should it be broken into when not in use. 

Do I need motorhome insurance?

Due to a motorhome having an engine, it qualifies as a vehicle and not just an add-on, such as a trailer or a caravan, therefore it is a legal requirement to have insurance.

Having the right insurance in place is important to protect expensive camping equipment and personal belongings that make your motorhome feel like a home. Like standard car insurance, the levels of cover varies, they include: 

Third party only

This is the minimum requirement level of insurance and only protects the other party if you’re involved in an accident. Whilst the premiums will most probably be cheaper, this is the best option when investing in something as valuable as a motorhome.  

Third party, fire and theft

This covers the other party if you’re involved in an accident and also protects you should your motorhome be exposed to fire, or broken into.

Comprehensive

This protects you for all the above, including any damage or injury caused to yourself, your passengers or a member of the public. 

Commuting

You are protected while travelling to and from a single place of work.

Personal business use

You're still covered for commuting to work, as well as business meetings and events that take place elsewhere.

Social, domestic and pleasure

Non-business trips, such as school runs, shopping, family outings, and camping, are covered, but the motorhome cannot be used to commute to work.

How much does it cost?

The cost of motorhome insurance is determined by factors such as the vehicle's age, kind, and size, as well as the owner's personal information and if you have a no claims bonus. You can save money on your motorhome insurance by comparing quotes using Quidco, you can also receive cashback, too. 

How to get cheaper motorhome insurance

Understanding what level of cover you require is the first step to having cheaper insurance premiums. Other useful ways you can bring premiums down:

  • Pay annually: By paying annually, you end up paying significantly less for your insurance premiums
  • Security improvements: By having secure locks and wheel clamps, this makes your motorhome less susceptible to theft which will bring premiums down
  • Park somewhere safe: If you leave your motorhome on a driveway or in a garage, then you will likely pay less and have more peace of mind
  • Beware of add-ons: Only pay for what cover you need within your policy. For example, don’t add a breakdown service if you are already covered for this
  • Shop around: By comparing quotes with a comparison tool like Quidco, you can find the right deal for you and receive cashback

Different types of motorhome insurance

Whether you’ve got a brand new RV or you’ve turned a beat-up VW campervan into the ideal getaway vehicle, make sure you can get the right coverage for it. 

Classic motorhomes

Most insurance providers will cover a range of classic models, with breakdown cover available on all up to 20 years old.

Campervans

VW campervans are all the rage, with new conversions happening across the UK daily! They mean a lot to you, so having the right protection is imperative.  

American RVs

These have grown in popularity in the UK, with more people adopting a nomadland lifestyle. Look after your home on wheels by insuring it in the event of anything unfortunate. 

What information you need to obtain a quote

To start comparing quotes with Quidco for your RV insurance or motorhome insurance, there are a few details you will need to have to hand: 

  1. Personal details about you, including your age and where you live
  2. How long you’ve had your driving licence and what type it is
  3. How you plan to use your vehicle, and your experience level
  4. Claims history
  5. If you have any other vehicles
  6. If you plan on adding any named drivers to your policy
  7. Details about your motorhome, including the make, model, when you bought it, what fuel it uses and the current value
  8. Any modifications
  9. The security of the motorhome and where it’s stored
  10. Your estimated annual mileage

Compare motorhome insurance quotes and get £3 cashback

Quidco can provide cheap motorhome insurance quotes with £3 cashback by comparing multiple policies and insurance firms. Simply identify the type of coverage you require for your motorhome, then use the comparison tool to obtain instant quotes and find a suitable insurance policy.

Motorhome insurance FAQs

What is motorhome insurance?

Motorhome insurance is a sort of vehicle insurance that is designed specifically for motorhomes and campervans. This form of insurance can protect your vehicle, as well as you and your passengers, against damage, accidents, and theft. Motorhome insurance, like car insurance, is a legal requirement.

How much cover do I need?

The highest level of motorhome insurance available is comprehensive. It normally protects the contents of the camper, including expensive camping gear and personal belongings that make your van feel like home, but you may purchase personal possessions coverage as an add-on.

It all depends on your personal circumstances, and how much you want to pay towards your premiums. It’s a good idea to shop around and compare insurance quotes with Quidco to make sure you find a great deal for you.

What’s the difference between a motorhome and a campervan?

A campervan is a self-contained travelling home that is typically smaller than a motorhome. In most cases, there is no separation between the cab and the living spaces. Campervans often have modest cooking, washing, and sleeping amenities.

What are the main types of motorhome cover?

Third party only (TPO), third party fire and theft (TPFT) and comprehensive cover are available for a motorhome. 

How much does it cost to insure a motorhome?

Motorhome insurance can be somewhat on the more expensive side, but it is best to shop around to find the best deal for you. Save money by only paying for what you need in your policy. 

What is the best insurance for a motorhome?

Comprehensive is the best insurance for a motorhome as it protects you for anything that could occur while out holidaying. 

Can you drive a motorhome on your car insurance?

Because motorhomes are not used in the same manner as a car, you must purchase specialist insurance for your motorhome, as opposed to standard car insurance.

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.

The comparison service for insurance accessed via Compare is provided by Quotezone, 100% independent UK insurance comparison. Quidco is a trading style of Maple Syrup Media Ltd, who are an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone, who are authorised and regulated by the FCA, number 313860. Quotezone run and operate the insurance comparison service. By using this system you are agreeing to our terms and conditions & privacy policy.

*Cashback rates - £3 per valid motorhome insurance purchase.