Specialist Motorhome Insurance

Motorhome insurance guide

Having motorhome Insurance is a legal requirement in the UK because unlike a caravan that has no engine, the motorhome is a self-propelled vehicle just like cars and trucks. This allows for the motorhome to be covered with insurance when travelling the motorways from one holiday place to the next. Motorhome insurance comparison will enable to compare deals that are currently available and come renewal time make a swap to save money. 

What is the difference between a motorhome and a campervan in terms of coverage?

A motorhome is built to be a self-contained home that can move on its own. In simple terms, it is a home on wheels. They are large and have many of the same conveniences a stationary home has including bathroom, multiple beds, along with a cooking, dining and living area separate from the operator’s cabs. 

Campervans are commercial vehicles that are built with some conveniences of home, but rarely a bathroom. They are smaller than their larger counterparts and have the driving area as part of the living area. The most common platform for a campervan to be built on is a panel van. 

What type of motorhome insurance is available?

To be travelling on the roads in the UK, a vehicle must have road risk insurance. This legal requirement is protection if the vehicle is involved in an accident. Just like cars and trucks, there are three basic types of road risk insurance available. 

Third Party Only is basic road risk cover and the minimum level required by UK law. This policy provides coverage for medical bills and mechanical repairs to the other vehicle only when the operator of the motorhome is at fault in an accident.

Third Party, Fire and Theft is the same as above, but with the additional protection for the motorhome if it is damaged by a fire or stolen.

Comprehensive is complete cover and pays for the medical and repair bills for both vehicles involved in an accident, along with protection from fire and being stolen. The additional areas protected will vary depending on the insurance company issuing the policy, but the more common ones are listed below.

• New for old replacement when the Motorhome is written off, and it is less than two years old.
• Personal belongings cover for up to £5,000 if they are damaged by accident or fire along with if they are stolen. 
• Motorhome accessories are protected if they are damaged, which includes awnings and other fixtures like lights and kitchen accessories.
• European cover so you can travel abroad and still be protected. The time varies, but some provide this cover for up to 365 days a year. 
• Windscreen and window replacement. 

Are there any add-on cover available for a motorhome?

Motorhome breakdown cover is the most common add-on to a comprehensive motorhome insurance policy. This type of cover has many components to it that can be included.

The basic breakdown cover is roadside assistance. This provides assistance on the road for up to 60 minutes to help with simple repairs like a broken fan belt or a flat tire. If repairs can’t be made, the vehicle will be towed to a repair facility within 10 miles.

With towing, there are options. The basic cover only authorises towing for up to 10 miles from the site of the breakdown. An upgrade for towing cover makes it possible to tow the stricken vehicle to any location in the UK. Overnight accommodation can be included, with the cost per night topping off at £75.

There is also onward travel that makes it possible to continue your journey to your destination, either by car hire or train. Accommodation can also be provided for up to 15 days, with a single night cost topping off at £75.