Question 1

Whydo you need campervan insurance?

Accepted Answer

Campervan insurance helps to mitigate the inherent risks associated with owning and operating a campervan. For example, if you get into an accident with another vehicle and you do not have insurance in place, you would be liable for the costs of repairs to both your campervan and the other vehicle. Another example is theft; if your campervan is stolen and you do not have it insured, you will not be able to claim back the cost of replacing your campervan. There is a legal minimum level of insurance you must have in place if you are driving or operating any vehicle on UK roads, this is called Third Party Only (TPO). This protects the third party against costs accrued if they are in a collision with you and it is your fault. You can upgrade to more detailed cover in the form of Third Party, Fire and Theft, or Comprehensive cover. Comprehensive cover is suggested as this will protect you from a wider range of potential situations than the bare minimum.

Question 2

What are the differences between motorhomes and campervans?

Accepted Answer

The difference between motorhome and campervans is the way the vehicle is used. For example, a motorhome may be larger and come with more of the mod-cons you might find at home. Whereas, a campervan is generally used more for exploration and transport. Campervans often don’t have the height or weight of a motorhome, meaning they are easier to maneuver, drive, and park. A motorhome may be built on a larger van chassis and therefore supports more room, such as bigger bathroom and kitchen areas. The term motorhome has been used to describe many vehicles that double as sleeping/living areas, so it is important to be aware of the type of vehicle you own in insurance terms.

Question 3

How much does campervan insurance cost?

Accepted Answer

There is not a set standard price for campervan insurance, however here at QuoteSearcher we work with a panel of highly dedicated partners who specialise in campervan insurance. This means you are more likely to receive a competitive quote for your insurance. Fill out our form to be put in touch with our panel and start designing a bespoke policy that works for your needs. Many of our customers have saved up to 35% on their campervan insurance using QuoteSearcher as we provide the best price guaranteed. To find the cheapest quote we ask for information concerning your vehicle, the amount of drivers you want to cover and the type of cover you require.

Question 4

Can I create a bespoke insurance policy for my campervan?

Accepted Answer

Each campervan owner is different, with some using their vehicle just once or twice a year and others on a more frequent basis. By filling out our online form we can find you the cheapest insurance policies that are suited to your needs and will cover your campervan at all times. If you own a vintage campervan we are able to ensure that it stays in pristine condition as our brokers work with mechanics that have years of experience working with those kinds of vehicles. If you require more information on the types of campervan insurance policies our brokers provide please contact us and we will be happy to help.

Question 5

Am I obligated by law to have campervan insurance?

Accepted Answer

Legally, you must have campervan insurance in order to be on the road. However, further to that is the desire for peace of mind and security of one of your prized possessions. Whether you use your campervan every weekend, or for the odd trip throughout the year, ensuring you are covered in the event of theft, damage or an accident is vital.

Question 6

Do you need special insurance for a campervan?

Accepted Answer

It is important for anyone intending to use a campervan to understand their responsibilities in regards to insurance. Campervans are considered motor vehicles, and thus require appropriate campervan insurance. This may include third party liability insurance as well as comprehensive coverage depending on the desired level of protection.

Question 7

Is campervan insurance different to van insurance?

Accepted Answer

Van insurance and campervan insurance are two distinct types of coverage. Van insurance is designed to provide protection for light commercial vans used mainly for business purposes. This type of policy usually covers liability, collision and comprehensive coverage, as well as providing legal expenses cover in case of an accident. Campervan insurance is designed specifically for motorhomes and campervans used for leisure purposes. This type of policy will provide the same kind of coverage as van insurance, but with additional features to ensure that your vehicle and its contents are properly protected. A typical campervan policy would include breakdown cover, European or worldwide travel cover, extended personal possessions cover for items such as camping equipment, and cover for any modifications to the vehicle.

Question 8

Can you insure a campervan for 6 months?

Accepted Answer

When it comes to campervan insurance in the UK, there are a few options available for those looking to insure their vehicle for six months. Campervan owners can purchase single trip or annual policies that provide coverage for up to six months at a time - although some companies may offer additional coverage periods. Single trip policies can provide cover for a set period, often of up to six months, and are particularly useful for those who are travelling abroad. Annual policies provide the same coverage for a longer period and can be renewed each year.

Question 9

Can I drive a campervan on my car licence?

Accepted Answer

It is important to note that there are various types of campervans available and each type requires its own licence category. The most common types are Class B (or mini) campervans, which are the smallest and lightest vehicles in the campervan class; Class C (or RV) campervans which are larger motorhomes with a separate cab and living area; and Class A motorhomes which are large, luxury coaches. In most cases, people in the UK who hold a standard full car licence will be able to drive mini and RV campervans with no additional requirements. To drive a larger Class A motorhome, however, they must obtain an additional category C1 licence, as these vehicles are heavier than 3.5 tonnes.

Question 10

Can I add a campervan to my car insurance?

Accepted Answer

Adding a campervan to your car insurance in the UK is certainly possible, but it may require additional steps. It's important to check with your current insurer ahead of time to see if they are able to offer campervan insurance as part of an existing policy; some insurers may only be able to provide it as a separate policy. It's also important to bear in mind that you may need to pay an additional premium for the campervan coverage.

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What Is Campervan Insurance?

Campervan Insurance Policy Features

Agreed Value Cover

Limited Mileage Cover

Contents Cover

Import Cover (Including Left-Hand Drive)

Core Policy Components

Breakdown Cover

European Cover

Agreed Value Insurance

Why Do You Need Campervan Insurance?

Levels of Campervan Insurance Cover

Third Party Only (TPO)

Third Party, Fire and Theft (TPFT)

Comprehensive Cover

Campervan vs Motorhome: What’s the Difference?

What Does Campervan Insurance Cover?

How Much Does Campervan Insurance Cost?

Frequently Asked Questions about Campervan Insurance

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