Guide To UK Under 25 Motor Trade Insurance 

Do you remember how difficult it was to get insurance for your first car when you were 18 years old? Younger campervan owners can get similar issues. Under 25 campervan insurance is not the easiest thing to find or secure. But that doesn’t mean you can’t find affordable options, you just have to search around and do your research.

Finding competitively priced insurance for young drivers is not impossible, but the premiums are much higher than for someone in their 30s. Because younger drivers have less experience, they’re considered high risk for insurance companies. This along with the price of campervans make the premiums more expensive than say van insurance for young drivers or standard car insurance.

What is motorhome Insurance for young drivers?

Let’s start with the basics, just in case this is your first time trying to obtain under 25 campervan insurance. This type of policy is designed for those of us that own a camper and use it for leisure. In some ways, it’s similar to standard car insurance but extended to cover the additional risk associated with owning a camping van/ Most polices will provide cover that may include accidental damages, theft, fire, vandalism, flooding, and any other types of accidental or injury risks. It all depends on the types of policy you secure.

What Motor Trade Insurance Under 25 Policies Are Available?

Under 25 campervan insurance policies are the same as any age group. It’s just the premiums that are a bit more expensive. Please see the three main campervan insurance types below, although some policies can be streamlined to include your individual needs as a campervan owner.

What Does Campervan Insurance under 25 Not Cover?

Insurance always comes with exclusions, these will be clearly stated in your policy. For your convenience, we have listed below some standard things that your policy probably won’t cover. However, we always advise that you read the small print on your policy to confirm what you are covered against.

Here are some exclusions you routinely find in campervan policies:

Best Motorhome Insurance Companies for Younger Drivers

A lot of forums try and answer this question, and I think we would all agree it would be difficult to select just one company and label it the best provider of campervan and motorhome insurance for young drivers in the UK. One reason is that we each have different requirements and one provider may differ a better deal, for temporary motorhome insurance for young drivers and another a better deal on an annual policy.

Insurance Savings Tips for Younger Drivers

Getting affordable insurance and being under 25 is difficult, as your age is a big factor in determining your risk profile. Whilst you can not do anything about your age, we have listed some other steps that may help you find the cheapest option if you are under 25 or a new driver.

• Tracking Device : Installing an approved tracking device. Example the SWIFT command tracker or any insurance approved tracking device. Before adding any additional security devices, first check they have the seal of approval of the UK motorhome insurance industry,
• Driver’s History : Whilst it is expensive now when you are young, over time the costs will come down, but you need to drive your motorhome with care, building up a good history of no claims. 
• Miles Covered : If, like many campervan owners, your motorhome is only used occasionally, look at other options instead of an annual policy. Consider opting for a policy based on miles driven. Other options to consider include temporary motorhome insurance, or a pay as you go policy.
• Alarm System : Most modern campervans will come with an alarm fitted, but for an older or classic campervan this should be high on your list of security improvements. 
• Parking : If able, provide safe off-road secure parking.

Compare Insurance for young drivers

Motorhome insurance for under 25’s will be more expensive as the risk to be covered is higher. Still, shopping around will help compare the various options available for younger campervan drivers. Speak with your broker on ways that you can reduce the cost of motorhome insurance by providing secure parking, installing a black box or possible increasing the policy excess.  

UK Young Drivers Motor Trade Insurance Quotes