- Compare motorhome insurance options through specialist brokers
- Cover options for UK and European travel
- Policies for a range of motorhome classes and uses
- One short form to connect with experienced brokers
Motorhome Insurance
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Why Use QuoteSearcher for Motorhome Insurance?
Motorhomes combine elements of both vehicles and living spaces, which means insurance requirements can be more complex than standard car policies. Factors such as onboard equipment, travel abroad and how frequently the vehicle is used can all influence the type of cover available.
QuoteSearcher connects motorhome owners with brokers who are experienced in arranging this type of insurance. By completing a short form on our site, you can be introduced to brokers who will discuss your motorhome, outlining cover options based on how it is used.
This approach allows you to explore motorhome insurance through experienced brokers, without needing to compare multiple providers yourself.
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What Is Motorhome Insurance?
Motorhome insurance is a specialist type of motor insurance designed for vehicles that are used for both travel and accommodation.
Policies typically take into account features such as fitted kitchens, sleeping areas, and stored personal belongings, as well as the risks associated with driving and storing a larger vehicle.
Motorhome Insurance Policy Features
Please note that cover will always vary depending on the insurer and policy selected, but may include the following:
Accidental Damage Cover
Protection for repair costs if the motorhome is damaged in an accident.
Contents Cover
Cover for personal belongings stored within the motorhome, such as appliances, furniture and equipment.
EU & Worldwide Cover
Some policies may extend cover to travel within Europe or other specified regions.
Storm & Flood Damage Cover
Protection against damage caused by severe weather conditions, including flooding.
Vandalism & Malicious Damage Cover
Cover for repair costs if the motorhome is intentionally damaged by third parties.
Awnings & Generator Cover
May include protection for external equipment and accessories attached to or used with the motorhome.
Motorhome Insurance Policy Exclusions
As with all insurance policies, certain exclusions will apply. These can vary between providers, but commonly include:
- General wear and tear
- Damage caused by mould or mildew
- Vermin infestations
- Unforced entry where the vehicle was left unsecured
- Use of the motorhome for trade or business purposes
- Use as a permanent residence
Your broker will be able to explain the specific exclusions within any policy you are considering.
Types of Motorhome
Motorhomes are generally categorised into three main classes, which can affect insurance considerations.
Class A Motorhomes (Integrated)
These are typically the largest motorhomes, often featuring full kitchen and bathroom facilities, large living areas and extensive storage. Due to their size and value, insurance for these vehicles may be higher.
Class B Motorhomes (Semi-Integrated)
Usually built on a van chassis, these motorhomes are more compact and easier to manoeuvre. They often include essential living facilities within a smaller space.
Class C Motorhomes (Alcove)
Also known as coach-built motorhomes, these feature an extended sleeping area above the cab. They offer a balance between space and practicality, sitting between Class A and Class B in terms of size and cost.
What Affects the Cost of Motorhome Insurance?
The cost of motorhome insurance will depend on several factors, including:
- The size, type and value of the motorhome
- How often and how far it is used
- Storage location and security measures
- Driving history
- Whether the vehicle is used in the UK only or abroad
Specialist or high-value motorhomes may require more specialised cover, which can influence the overall premium.
