Best Motorhome Insurance Companies in the UK

Best Motorhome Insurance Companies in the UK

Finding the best motorhome insurance for UK owners of recreation vehicles can be a daunting task as more insurance companies are now providing policies for the growing demand within the UK for campervan insurance. Unlike car insurance, motorhomes, campervans and coachbuilts carry very different risks and the best campervan insurance providers will understand your cover requirements and can tailor a policy to your exact needs.

Whether you are looking for the best insurance to cover your RV to tour Europe, or simply need reliable campervan insurance within the UK, we have researched eight of the leading UK motorhome insurance companies. This guide covers what each one offers, who they suit best, and what to look for when comparing. The list is not exhaustive but aims to cover the key players in this niche insurance sector.

The providers below are listed in no particular order of preference or recommendation. The numbering is for reference only and does not represent a ranking or endorsement of any provider over another. Which motorhome insurance company is best for you will depend on your individual requirements, circumstances and vehicle type, what works well for one motorhome owner may not be the best option for the next.

1. Comfort Insurance

Comfort Insurance are one of the UK’s most established specialist motorhome and campervan insurance brokers, with over 30 years of experience in the leisure vehicle market. They are widely regarded as one of the best motorhome insurance UK providers for owners looking for tailored cover rather than a generic policy.

What they cover: Motorhomes, campervans, coachbuilts, A-class and panel van conversions. They also cover touring caravans and static caravans, making them a useful single point of contact for owners with multiple leisure vehicles.

Key features: Agreed value policies, European cover, contents insurance, personal effects cover and emergency accommodation cover are all available. They are known for flexible policies that reflect how motorhome owners actually use their vehicles.

Best for: Dedicated motorhome owners looking for a specialist broker with a strong track record and broad cover options.

2. Adrian Flux

Adrian Flux are one of the UK’s best known specialist insurance brokers, covering a wide range of non-standard and specialist vehicles including motorhomes, campervans and converted vehicles. They have been operating since 1969 and are a go-to broker for vehicles that mainstream insurers struggle with.

What they cover: Motorhomes of all types including A-class, coachbuilt, low profile and panel van conversions. They also cover self-build and kit motorhomes which many standard insurers will not touch — making them a strong choice for RV owners with non-standard vehicles.

Key features: Laid-up cover for vehicles in storage, agreed value policies, limited mileage discounts, European cover and cover for motorhomes used as a permanent residence. They are particularly strong for unusual or high-value vehicles.

Best for: Owners of unusual, converted or high-value motorhomes who need a flexible specialist broker with decades of experience.

3. Caravan Guard

Caravan Guard are a specialist leisure vehicle insurer covering both motorhomes and touring caravans. They are part of the Rock Insurance Group and have built a strong reputation in the motorhome and caravan community for competitive pricing and comprehensive cover. For many UK campervan owners, they consistently rank among the best campervan insurance UK providers.

What they cover: Motorhomes, campervans, coachbuilts and touring caravans. They offer both standard and enhanced cover levels to suit different budgets and usage patterns.

Key features: New for old replacement on newer vehicles, European cover up to 365 days, personal effects and awning cover, emergency accommodation and legal expenses. Their online quote system is well regarded for ease of use.

Best for: Owners who want a well-established specialist covering both motorhomes and caravans, with strong online tools and competitive pricing.

4. Saga No longer accepting new policies

Please note: Saga ceased accepting new motorhome insurance policies in August 2025. Existing policies continue as normal but new customers can no longer obtain a quote. The information below is retained for reference.

Saga are well known in the UK as a specialist insurance provider for the over 50s market. Their motorhome insurance was specifically designed for older drivers and was worth considering if you were aged 50 or over and wanted a policy tailored to how mature tourers use their vehicles.

What they covered: Motorhomes and campervans for drivers aged 50 and over. They focused on comprehensive cover with a strong emphasis on European touring and extended travel.

Key features: Unlimited European cover, no upper age limit, agreed value policies, windscreen cover, personal effects and emergency accommodation. Their policies were designed to be straightforward and transparent for drivers who value simplicity.

Best for: Over 50s motorhome owners who wanted a specialist policy from a brand built around the mature driver market.

5. Lifesure

Lifesure are a specialist leisure vehicle insurance broker with a long history in the motorhome and caravan market. They have been arranging motorhome insurance since 1996 and are well regarded for their personalised service and competitive terms for regular tourers.

What they cover: Motorhomes, campervans and touring caravans. They work with a panel of specialist underwriters to find the best terms for each individual risk.

Key features: European cover, agreed value option, contents and personal effects cover, awning cover and cover for motorhomes used on a full-time basis. They are particularly well regarded for handling non-standard risks and older vehicles — making them one of the best RV insurance options for owners of vintage or classic motorhomes.

Best for: Owners who want a dedicated leisure vehicle specialist with a personal approach and the ability to handle non-standard or older vehicles.

6. Just Kampers Insurance

Just Kampers Insurance is the insurance arm of Just Kampers, the UK’s leading VW campervan parts and accessories specialist. Their insurance offering covers a broad range of leisure vehicles and they bring genuine community knowledge to the policies they arrange. For VW owners searching for the best campervan insurance, they are a natural first port of call.

What they cover: VW campervans, motorhomes and leisure vehicles of all types. They have particular strength in classic and vintage campervans as well as modern motorhomes.

Key features: Agreed value policies, European cover, personal effects and contents cover, cover for classic and vintage vehicles and access to a specialist claims team that understands leisure vehicles. Their roots in the VW campervan world mean they understand the needs of enthusiast owners.

Best for: VW campervan owners and motorhome enthusiasts who want a specialist insurer with genuine roots in the leisure vehicle community.

7. Safeguard

Safeguard are a well-established UK specialist in leisure vehicle insurance, covering motorhomes, campervans and caravans. They have been operating in the leisure insurance market for many years and are well regarded for their straightforward policies and competitive pricing for regular tourers.

What they cover: Motorhomes and campervans of all types, as well as touring caravans and park homes. They also offer motorhome breakdown cover as an add-on, making them a practical one-stop option for leisure vehicle owners.

Key features: Comprehensive cover as standard, European cover available, agreed value option, contents cover and motorhome breakdown cover. Their online quote system is easy to use and they are known for clear, no-fuss policy documentation.

Best for: Motorhome owners who want a solid, established leisure vehicle specialist with a clean and straightforward approach to cover.

8. NFU Mutual

NFU Mutual are one of the UK’s most trusted mutual insurers, known for high customer satisfaction and a personal service delivered through a network of local agency offices. They cover campervans under their comprehensive car insurance policy, which means the approach is slightly different to a dedicated motorhome specialist but the cover and service quality are highly regarded. Many consider them among the best campervan insurance UK providers for customer experience alone.

What they cover: Campervans and motorhomes including VW conversions and classic vehicles. Cover is provided under their comprehensive car insurance policy. They also have a dedicated motorhome insurance page for larger motorhomes at nfumutual.co.uk/motor-insurance/motorhome-insurance.

Key features: European cover included as standard, new vehicle replacement for vehicles under two years old, Motor Legal Protection included as standard (administered by ARAG UK), no administration fees for mid-term adjustments or cancellations, Mutual Bonus loyalty reward on renewal, and a 99% claims pay-out rate based on settled claims. Defaqto 5 Star rated and a Which? Best Buy provider.

Best for: Campervan owners who want a highly rated mutual insurer with excellent customer service, generous standard cover and a personal local agency experience.

How to Choose the Best Campervan Insurance

Navigating motorhome insurance is more complex than standard car cover. Because these vehicles double as both a road vehicle and a living space, “one-size-fits-all” mainstream policies often fall short. Seeking quotes from specialised motorhome insurance providers is essential to ensure your home-on-wheels is fully protected.

Expert Check: Before You Hit ‘Buy’

Don’t let a cheap premium hide a restrictive policy. Use these insider tips to ensure your cover actually works when you’re on the road.

Motorhome Insurance Companies UK — Comparison Table

Table based on publicly available information. Always verify cover details directly with the insurer before purchasing.

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