Motorhome insurance for over 80’s

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Table Of Contents

Guide to over 80 Motorhome Insurance
Over 80 Motorhome Driver on the Increase in the UK
Does motorhome insurance cost more for drivers over 80?
Cutting costs for over 80s Motorhome insurance
Who provides over 80 Motorhome Insurance?
What you need to get motorhome quotes fast at MultiQuoteTime.co.uk
Over 80s Motorhome Insurance FAQ's
Insurance Guides for Seniors:
Search & compare affordable quotes from UK Caravan insurance providers, including
What extras can be included in a motorhome insurance policy?

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 have partnered with QuoteZone who have 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

Who provides over 80 Motorhome Insurance?

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.

Provider	Min Age	Max 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	Policy Holder: 50+, Named Drivers: 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.

What you need to get motorhome quotes fast at MultiQuoteTime.co.uk

To ensure you can quickly receive multiple quotes, please have the following information ready:

Motorhome Details: Make and model of motorhome and engine size.

Vehicle value approximate cost to replace like for like or if new for old the new price.

Security features: Does it have an alarm, immobiliser or a tracking device?

Cover details : Level of cover required, and any add-ons required example breakdown recovery

Driver details : including estimated annual mileage

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Over 80s Motorhome Insurance FAQ’s

Does motorhome insurance increase at 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 beyond. This is also true for car insurance for over-80s, when your premiums typically increase as well.

Do you have to renew your driving licence When you get to 70?

When you reach 70 you must legally renew your driving licence, and continue to renew every three years thereafter. Failure to do so will invalidate your motorhome insurance and may lead to a driving without insurance offense. It is free to renew your licence, and a form should be posted to you well in advance of your 70th birthday.

What is the cheapest motorhome insurance for seniors?

Insurance providers will base their insurance premiums on the risk profile of the driver and motorhome insurance category. The best advice for seniors searching for affordable insurance quote is to shop around and take proactive steps to lower your insurance risk profile, see article entitled How to save on over 80’s Car Insurance, similar principals apply.

Why is motorhome insurance more expensive for seniors?

As we age, our response times generally slow, making accidents more likely. This is statistically proven, with drivers of advanced age causing a disproportionate number of avoidable accidents.

Will a medical condition affect the cost of my motorhome insurance?

After age 70 you will need to renew your licence every 3 years. Don’t worry, the DVLA will send you a D46P application form 90 days before your 70th birthday, and then every three years afterwards. Please note, the DVLA can take up to 3 weeks to process a postal application. When completing the application, you will be asked to declare any medical conditions you have and confirm that you meet the eyesight standards for driving. The DVLA suggest getting a medical check before renewing, as failure to disclose could result in a hefty fine and possible prosecution. Depending on the medical condition, it can have an impact on the cost of renewal.

Will pre-existing medical conditions affect the cost of my insurance?

Yes, pre-existing conditions can and do impact the cost of insurance for older individuals. Some examples include visual impairments, a history of strokes, or cognitive impairments. Please note that you must declare pre-existing conditions; failure to disclose them could result in policy nullification during a claim.

Other ways to lower costs of car insurance when over 80’s

We have covered the key areas of how improving security, driving a car in a low insurance group can help reduce the cost of car insurance, but other approaches do exist. Two examples that would benefit occasional users include a limited miles policy or pay as you use policy. Campervan sharing is also growing in popularity and may be something to consider.

Insurance Guides for Seniors:

Over 80’s Home Insurance

Motorhome insurance for over 80s

How over 80’s can save on car insurance

LV now offering car insurance for over 80s

Caravan Insurance for Seniors

Updated: 26 Dec 2024
Reviewed by Eamonn Turley Insurance Expert