How Much is Motorhome Insurance?

In this article, we’ll look at the general costs of motorhome insurance, the kinds of things that need to be included in your policy, and how you can find the best quotes for your cover.

Motorhomes are hugely popular in the UK, with approximately 225,000 currently in use across the year. With so many on the roads, motorhome owners need to know they are protected against some of the things that could befall them. From theft and vandalism, to having personal belongings stolen from inside, it is a good idea to have a wide-ranging insurance policy that covers all eventualities.

In this article, we’ll look at the general costs of motorhome insurance, the kinds of things that need to be included in your policy, and how you can find the best quotes for your cover.

 

Do you need to insure a motorhome?

As with any vehicle on UK roads, motorhomes need to be insured in order to be driven legally. The bare minimum level of cover you must have is third party only, which will cover the cost of damage made to another vehicle in the event of an accident. This will not, however, cover the cost of your own damages, which is where fully comprehensive cover comes into play.

Although legally you can get away with TPO (third party only), there are unique risks faced by motorhome owners that will be mitigated by having a policy that covers them. For example, motorhomes differ from cars in that they often contain personal belongings, electronic devices, or appliances – all of which are attractive prospects for thieves. With personal belongings covered as part of an overarching fully comprehensive policy, you’ll be able to claim back the cost of replacing these valuable items.

You could also include cover for things like accidental or malicious damage, storm or flood damage, breakdown, and driving in Europe.

 

Can you drive a motorhome on your car insurance?

Your motorhome is used in an entirely different way from your car so therefore needs a more specific type of insurance cover. Your car insurance will not cover the wide range of potential risks that motorhomes are in danger of. Motorhomes are homes on wheels, with sleeping compartments, kitchen fittings, and bathroom fixtures, and you’ll likely be spending more time inside your motorhome than you ever would in a car. 

This means you need to have the right level of insurance in order to adequately protect yourself and your wallet from any financial issues that arise should you need to make a claim.

 

Motorhome in forest

 

Is there an age limit on motorhome insurance?

Whilst there is no actual age limit on motorhome insurance, it can be harder to get cover if you are under the age of 25 or over the age of 70. This is purely down to the risk factors posed by younger and older drivers; statistics show that drivers in these age groups get into more accidents which therefore presents more of a risk to the insurer, meaning they will charge a higher premium.

However, if you have a clean driving record, you will likely be able to find a good quote for your cover. It pays to enquire with brokers that specialise in motorhome insurance as they will have greater experience and knowledge of the sector and are in the best position to deliver a competitive quote for your insurance.

 

What is the cost of motorhome insurance?

Working out the cost of motorhome insurance can be difficult as there are so many caveats to consider. One person’s policy may be totally different from another person’s due to varying information, with quotes calculated using a number of parameters.

For example, the type of information you provide and your driving history will have a big impact on the price you will pay. Your age, address, job title, driving record, and history of claims will all play a part in calculating costs, as well as details about the motorhome itself, like make and model, expected annual mileage, and how you secure it.

There are ways to keep costs down though. These include:

  • Security
    If you secure and store your motorhome off-road, with a wheel lock, GPS tracker, and alarm system, you will pay less for your insurance as you are making sure to keep it away from potential thieves and vandals.
  • Mileage
    If, like many, you use your motorhome during the spring and summer seasons, you could save money on your insurance by sticking to a set annual mileage. This means that if you stick to that mileage, you’ll be charged less for your insurance because you are spending less time on the road, therefore presenting less of a risk.
  • Owners’ clubs
    Registering your motorhome with an owners’ club is a good idea regardless of insurance, but some providers give special rates or discounts to members so it’s a good thing to consider if you want to keep costs to a minimum.

The best way to find a good price for your motorhome insurance is to shop around. It can be a minefield searching high and low for the best quote, and some of the best insurers exclude themselves from price comparison sites. Choosing a company like QuoteSearcher to source the best quotes from a wide range of specialist brokers is a great way to make sure you’re getting the most competitive price.

 

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