Motorhome Insurance For Over 75s & 80s
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Guide to over 80 Motorhome Insurance
Like health insurance, premiums tend to rise as you get older, and some providers will even impose an upper age limit. Others will only insure you if you have an existing policyholder who is turning 80 or above. It is important to do some research if you are over 70 to select an insurance provider that will still offer you coverage at a reasonable rate as you grow older and reach age 80 or above.
We provide you access to a panel of motorhome insurance providers that can provide quotes for seniors, they can provide quotes for all models including the ever popular Volkswagen, Mazda Bongo. You can compare over 80 motorhome insurance providers more easily than ever by submitting your requirements to this select panel of campervan and motorhome insurance specialists.
Over 80 Motorhome Driver on the Increase in the UK
Thanks to advances in medicine, we are living longer, and according to the Government Office for Science, we can expect that by 2040, nearly one in seven people is projected to be aged over 75. The over-60s, 70s, and 80s represent a growing sector of the lifestyle insurance market, and there is an increasing demand for insurance tailored to their leisure lifestyle. More insurance providers are beginning to see this emerging market and are now offering cover for those over 80. Unfortunately, similar to under-25 motorhome insurance, the premiums tend to be higher to cover the perceived additional risk.
Does motorhome insurance cost more for drivers over 80?
Motorhome insurance tends to get cheaper as you get older, but at 70, you may find it starting to increase. It’s a fact that drivers over 80 will, on average, pay more for campervan or motorhome insurance than drivers aged 25 and above, up to age 70. The only good news is that it should still cost less than for young drivers. Why? Elderly drivers are perceived as higher risk, primarily due to health concerns. So, even if you have never made a claim, expect to pay more for insurance as you hit 70 and above. This is also true for car insurance for over-80s, when your premiums typically increase as well.
Cutting costs for over 80s Motorhome insurance
However, you can take steps to control the price of insurance as you get on in years.
- Downgrade to small cheaper motorhome or campervan
- Choose a pay as you go policy or even consider temporary motorhome insurance, just insure as needed
- Only add extras if you need them, example windscreen cover may be purchased cheaper direct outside a motorhome policy.
- Make sure you have installed security devices to deter theft
- Provide safe off-road parking
Finding Affordable Motorhome Insurance When You’re Over 75 or over 80
Please refer to table below, some of these will only over cover to over 80s if you have an existing ongoing policy, as mentioned do some research before you reach 80 to select a provider that will continue to provide you with cover in your 80s and beyond.
| Insurance Provider | Minimum Age | Maximum Age |
|---|---|---|
| Adrian Flux | 17 | No max |
| HiC (Herts Insurance Company) | 17 | No max |
| Be Wiser Insurance | 21 | No max |
| Camping & Caravanning Club Members | 25 | 80 |
| Caravan Guard | 35 | 80 |
| Saga | 50+ (Named: 30+) | No Max |
| Caravan & Motorhome Club (CMC) | 25 | No Max |
What extras can be included in a motorhome insurance policy?
You can select a range of extras to your campervan or caravan policy, ranging from EU cover to awning cover.
EU Cover
If you will be traveling to Europe, this is typically offered as an optional extra. However, constraints will apply to the number of days covered, so please take the time to read and understand these terms in advance.
Motorhome breakdown cover
Occasionally, a traffic accident may be contested in court. While uncommon, the resulting legal fees can be substantial. Having legal cover in place will provide financial protection should the need arise.
Campervan contents
Like a home, your campervan can contain valuable items. These can be covered by contents insurance. However, limits to value of cover and exclusions will apply.
Awning cover
Awnings are expensive items that can be damaged in stormy weather. Consider extra cover to protect against damage to outdoor awnings and decking.
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