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What is motorhome insurance?

Getting the correct insurance for your motorhome is a legal requirement. By following our guide you can go away feeling reassured that if you do face any issues, you will have chosen the right insurance cover for you.

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Words by: Auto Trader

Fianna Hornby

Additional words by: Fianna Hornby

Last updated on 30 October 2023 | 0 min read

Finding the right motorhome insurance policy for you takes time but getting it right will help you choose the right cover should you need to claim on your insurance in the future.
Here we discuss what motorhome insurance is, how you may reduce the cost of your motorhome insurance, and, offer our tips for finding the best insurance policies.

What is motorhome insurance?

In simple terms, motorhome insurance is what will cover the costs if your vehicle is stolen or involved in an accident. It’s very easy to think ‘that won’t happen to me,’ but it can happen to anyone, but it is a legal requirement to have insurance to cover you just in case. If you’re ever involved in an accident that is your fault, you’ll have to make an insurance claim. This is the other way around if someone else is to blame.

Types of insurance policies

The level of insurance that you need is dependent on the policy you choose, which is why it is extremely important to choose the right one to suit your needs.
There are three types of insurance policies; third-party, third-party, fire and theft and comprehensive. Here we explain the different types:

1. Third-party insurance

If you’re looking to just insure your motorhome to the minimum that is required by law, you can choose third party insurance. This doesn’t cover damage to your own motorhome but will cover damage to other people, properties or vehicles.

2. Third-party, fire and theft insurance

This offers the same as third party insurance, but also covers damage caused by fires or attempted theft, or if someone manages to steal your motorhome.

3. Comprehensive insurance

The difference between comprehensive insurance compared to the previous two is that these policies also cover damages to your own motorhome, including, in most cases, if this is your fault. The specifics will vary based on your specific policy, so make sure you read the insurers offer thoroughly.

How can I save money on of my motorhome insurance?

Everyone wants a good offer on their insurance and there are a few ways you can try and reduce your premiums when it comes to motorhomes.
Examples of how to save money include:
  • 1. Making sure your vehicle is stored safely at all times: whether you keep it at a storage site or somewhere at home. Insurance companies will often look at whether your motorhome is protected by gates, its general location, or how accredited the storage site you use is, and will sometimes penalise or reward you according to this.
  • 2. Carefully consider the experience of your named drivers before applying for motorhome insurance, as this can often drastically affect the costs. A young, first-time driver will normally have to pay high insurance premiums so it’s important to consider the optimum age and experience to put on your insurance.
  • 3. Make it clear that your motorhome is as safe as possible, an insurance company will reward this. For example, any safety devices you’ve had installed such as tyre pressure monitoring systems, safety bands, or reversing cameras will stand you in good stead when you receive an insurance quote.

Our tips for finding the best policies

When it comes to finding the best motorhome insurance, one of our biggest tips is to shop around. If you choose the first quote you’re given, it’s almost guaranteed that once you’ve paid, you’ll find something cheaper.
We also recommend that you use the internet before picking up the phone. It’s easy to browse multiple options online before speaking to anyone. This will also allow you to think through and prepare any questions you may have in advance of the call, so you don’t miss out on any benefits. Try not to overpay on the mileage. Motorhomes are often used for long distances, but you don’t want to over budget for miles. Make sure to check in advance, as most insurance policies will allow you to increase your miles, whereas not many will decrease. With that being said, do not understate your milage as this may become an issue if make a claim and it comes to light that your stated mileage is inaccurate. We hope this article has cleared up what motorhome insurance is, the different types of motorhome insurance available and how to save money on motorhome insurance.

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