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What Is A Motor Home?

Motorhomes are a popular choice for those who prefer to embark on ‘staycations’ – holidays within the UK – and also to tour the continent.

More mobile than caravans and with a little more freedom as to where they can be based at night time, motorhomes are ideal for longer excursions.

Getting the right insurance policy is essential to ensure you, your vehicle and the possessions inside are protected in the event of an accident or theft.

Here are a few things to consider when looking for a motorhome insurance quote:

What Vehicles Are Covered By Motorhome Insurance?

There are eight main classes of motorhome which can be covered by motorhome insurance:

  • Camper van
  • Van conversion
  • Compact
  • Coachbuilt/ Overcab
  • Micro
  • A-class
  • Low-profile
  • American RV

Depending on the type of vehicle you have you might find you need specialised insurance for that particular vehicle type. Here at Quotiva we use our network of brokers to search for the best deal for you, whether you own a small camper or a big rig.

There are three main types of motorhome insurance policy:

  • Third-party only (TPO) – covers damage to property and injury to others (including your passengers)
  • Third-party, Fire & Theft (TPFT) - covers everything in a TPO policy as well as; fire damage and any damage caused during the theft of your motorhome
  • Fully Comprehensive - covers everything in a TPFT policy as well additional cover against at-fault damage

Remember that comprehensive motorhome insurance policies may also offer different features as extras, including:

  • Equipment cover – this will cover ‘non-fixed’ items such as gas cylinders, televisions, camping equipment and any other items which you bring with you to use during your trip
  • New-for-old cover ensures a vehicle replacement in the event of a total loss (subject to the age of your vehicle)
  • Windscreen and glass cover
  • Audio/navigation cover to help protect any equipment permanently attached in the caravan – including radios and navigation systems
  • Vandalism cover
  • Trailer cover
  • Personal effects cover
  • European travel cover
  • Courtesy car in the event of theft or total loss to ensure you can get home safely
  • Legal protection

Whilst these additional features are not compulsory, it can be worth thinking about adding some to your policy in order to protect you against all possible scenarios.

What Is Not Covered?

There are a number of exclusions on motorhome insurance policies which may affect any claims you might make; these include:

  • Wear and tear as a result of age
  • If you use your motorhome as a permanent place of residence
  • If you use your motorhome as a place of business
  • Theft of property and contents as a result of poor security, unless there is evidence of forced entry
  • Insect or vermin damage

There are also a number of ways you can help improve your chances of getting a cheaper quote on your motorhome insurance policy, including:

  • Joining a motorhome or caravan club – can lead to membership discounts on your motorhome insurance cover
  • Keeping your motorhome in secure storage when not in use
  • Keeping your mileage low – say just a couple of trips a year
  • Fit additional security features and assistance equipment such as reversing sensors

Taking A Motorhome Abroad

If you’re looking to drive your motorhome from the UK to the EU, you must ensure that you’ve got a few things in place before you set off:

  • Valid driving licence – make sure you are licensed to drive in the EU, a UK driving licence will usually allow you to drive within the EU, but if you’re looking to take your motorhome further afield you will need an International Drivers’ Permit.
  • Insurance cover – you must ensure you have some specialised European car insurance; this can either be added onto your existing policy or purchased on a short-term cover basis as a separate product.
  • European breakdown cover – this would help to offset some of the costs should you need to visit a garage due breaking down during your trip
  • European travel insurance – provides cover should you need medical treatment while abroad, it can help to take an EHIC card with you as well for extra protection

Check out our handy Caravan Guides for further information, we’ve covered everything from driving a motorhome while abroad to finding cheaper motorhome insurance

Looking for a cheaper deal on your motorhome insurance? Fill in a few details here at Quotiva and we’ll search our network of UK brokers to find the best deal on motorhome insurance for you.


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