Temporary Motorhome Insurance
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Need motorhome cover for a single trip, a short break or a longer tour? Compare temporary motorhome insurance quotes from specialist brokers. Cover from 1 day upwards. Also need left-hand drive motorhome insurance? We compare that too.
Get Your Temporary Motorhome Quotes
Flexible short-term motorhome cover
MultiQuoteTime is a comparison site, not an insurer. FCA regulated.
COMPARE QUOTES →Short-term cover for motorhomes from 1 day upwards.
Three situations where a temporary policy makes more sense than an annual one.
- Just purchased. Get instant cover to drive it home while you arrange your annual policy.
- Seasonal use only. Why pay for 12 months when you only use it for three?
- Borrowing from a friend. Your own policy protects their no-claims history and keeps everyone covered.
Why Choose Temporary Motorhome Insurance?
An annual motorhome policy makes sense if you use your motorhome regularly. But if you only take it out two or three times a year, you are paying for months of cover you never use. A temporary policy gives you the same protection for the exact period you need it, nothing more.
Temporary cover also solves the borrowing problem. Being added as a named driver to the owner’s policy puts their no-claims discount at risk if something goes wrong. Taking out your own short-term policy means any claim goes against your record, not theirs.
For new owners, a temporary policy buys time. Drive the motorhome home from the dealership, settle in, then compare annual policies properly rather than rushing into the first quote you find.
How Much Does Temporary Motorhome Insurance Cost?
Short-term motorhome cover costs vary significantly depending on the vehicle value, duration and your driving history. The best way to find an accurate price is to compare quotes from specialist brokers. These are the factors that affect what you pay.
Length of Cover
Policies of 20 days or more often attract a discounted daily rate. If you are close to that threshold it can be cheaper to extend slightly rather than stopping at 18 or 19 days. Ask the broker for the daily rate at different durations before you commit.
Value of the Motorhome
The higher the vehicle value, the higher the premium. Many temporary motorhome policies cap cover at £40,000. Some specialist providers go up to £75,000. If your motorhome is worth more, check the cap before buying.
Claims History
A clean claims record signals low risk to insurers. No-claims history built on a temporary policy does not automatically transfer to an annual policy, but a record of fault claims will follow you. Drive carefully and declare accurately.
How the Motorhome Is Stored
A locked garage or secure off-road compound reduces theft risk and can lower your quote. On-street parking is the most expensive storage option. If you have access to off-road storage, declare it when getting quotes.
Club Membership
Members of the Camping and Caravanning Club or the Caravan and Motorhome Club often qualify for a discount. Always mention your membership when getting quotes. It costs nothing to ask and can reduce the premium by 10% or more.
Miles Travelled
The fewer miles you plan to cover, the lower your premium. State your expected mileage accurately. Limited mileage policies are available for occasional users and short domestic trips.
How Long Can You Get Temporary Motorhome Insurance For?
Cover duration varies by provider but most temporary motorhome policies run from 1 day up to 30 days as standard. Some specialist providers extend this to 6 months. If you need cover beyond 6 months, an annual policy is almost always cheaper.
| Duration | Type of cover | Best for |
|---|---|---|
| 1 to 7 days | Fully comprehensive | Driving a new purchase home, test drives, single short trips |
| 7 to 30 days | Fully comprehensive | Holiday breaks, borrowing from a friend, seasonal trips |
| 1 to 3 months | Fully comprehensive | Extended European touring, winter in Spain, longer borrowing periods |
| Up to 6 months | Fully comprehensive | Seasonal owners who only use the motorhome spring to autumn |
| Over 6 months | Annual policy | Annual cover is cheaper at this point. Compare annual motorhome insurance quotes instead. |
Same-day cover is available on most temporary motorhome policies. If you need to drive today, you can compare quotes and have documents in your inbox within 15 minutes in most cases.
What to look for in a good temporary motorhome policy
Not all temporary motorhome policies are equal. Here’s what you should check for when comparing quotes to make sure you’re properly protected.
What do I need to take out this type of policy?
It is simple to get a quote for temporary motorhome insurance, all you need are the basic details as follows.
- Full name
- Birthdate
- Home resident address including postcode
- Telephone number and email address
- Occupation
- UK registration number of the motorhome
- Engine size
Just purchased a new campervan and need cover to drive it home
If your new campervan has finally arrived at the dealership, you may need temp cover to drive it home and then finalise your actual long term cover from home, giving you time to compare the various options available.
Short term cover if you borrow from a friend or family
Short term campervan insurance provides a perfect solution if you wish to borrow a motorhome from a friend or family and at the same time protect their driving history and any no claims discount. Unlike being added as a named driver to the owner’s motorhome insurance policy, you are taking out a policy in your name, which will have no impact on the policy of the lender.
This policy is not suitable if you are hiring out your vehicle for reward. If you are gaining a reward for lending out your vehicle, you will need a specific type of policy referred to as hire and reward. Check out our guide on hire and reward van insurance for more detailed information.
Who would be covered with a temporary motorhome insurance policy?
Any person from the age of 18 to 75 years of age can take out one of these policies. The requirements include holding a valid UK or other country’s driving licence. What should be noted is that drivers from the age of 18 to 24 will have a higher rate than older drivers.
Only the named driver in the policy will be covered under this type of policy. If the operator of the motorhome is in an accident, and they are not the named driver in the policy, the claim will not be honoured.
This type of policy is only valid for motorhomes weighing 3.5 tonnes or less.
Benefits of a temporary campervan insurance policy?
Temporary insurance has grown in popularity, with temporary van insurance and car insurance always in high demand. This is also the case with campervans and motorhomes owners that only need insurance on a temporary basis, or for those that are able to borrow a camper from a friend or a family member. Some benefits are as follows:
No Claims bonus protection – Taking out your own cover rather than be added to an existing policy will protect t the no claim’s history of the owner of the campervan.
Share The Driving : Off on a long road campervan trip with a friend and wish to help by sharing the task of driving, take out a temporary motorhome policy, and you are ready to go.
What is included in a temporary campervan insurance policy?
Most providers of temporary campervan insurance will only provide full comprehensive cover.
How to Reduce Your Temporary Motorhome Insurance Premium
The first step is using a comparison site like MultiQuoteTime to get quotes from multiple specialist brokers at once, rather than going direct to a single provider. After that, these are the steps that bring it down further.
- Take out cover for exactly the time you need. Policies of 20 days or more often attract a discounted daily rate. If you are close to that threshold, extending slightly can be cheaper than stopping short.
- Increase the voluntary excess. A higher excess reduces the premium. Only go as high as you can realistically afford to pay at claim stage.
- Declare secure storage. A locked garage or CASSOA compound rather than on-street parking reduces theft risk and can lower your quote.
- Mention your club membership. Members of the Camping and Caravanning Club or the Caravan and Motorhome Club often qualify for a discount. Always mention it when getting quotes.
- State your mileage and destination accurately. The fewer miles you plan to cover and the lower-risk your route, the lower your premium. Accurate declarations also keep your policy valid at claim stage.
- Book in advance where possible. Taking out a policy 30 or more days before your trip can reduce the premium with some providers.
- Build your no-claims history. A clean claims record reduces premiums on both temporary and annual policies over time.
Get multiple quotes now for short term motorhome Insurance
There are many good uses for choosing a temporary motorhome insurance comparison over annual cover. If you only use your motorhome for a few summer months, why insure for months that it will sit parked in a driveway
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