LMC Caravan Insurance
LMC caravans are manufactured by Hymer Group, a German brand. LMC offers a wide range of durable models to suit different recreational needs and preferences.
Top LMC Caravan Models
Some of the popular LMC caravan models includes:
Exquisite Vip
Exquisite Vip: This model is known for its premium features and attention to detail. They are known to provide the most luxurious accommodations among LMC caravans. Its standard features include a comfortable entrance door, fitted carpets, blinds, high-quality furniture, and a spacious feel. Altogether offering a luxurious camping experience.
LMC Musica
LMC Musica: These caravans come with an integrated sound system and enough space for musical instruments. They are mostly designed for music lovers. The sleeping quarters of the LMC Musica also have large beds and bunk beds, offering a spacious and comfortable sleeping area.
LMC Vivo
LMC Vivo: The LMC Vivo caravan offers practical features and plenty of space for everyone. It is designed for families and offers ample space for comfortable travelling and living while on the road.
LMC Style Lift
LMC Style Lift: This model combines functionality with sleek designs and a well-equipped interior. They also feature a pop-up roof that creates additional sleeping or lounging space for an enjoyable camping experience. The style lift is perfect for those who enjoy spending time outdoors.
How much does it cost to insure a LMC caravan?
The total cost of insuring any caravan depends on several factors, just like insuring a car. However, depending on the LMC model and other factors listed below, expect to pay €100 – €400 for annual cover.
Generally, static caravans have relatively cheap insurance compared to touring caravans. This is because static caravans are less likely to get into an accident, unlike touring caravans, which are always on the road.
Several factors can influence the cost of insuring a caravan, and these include:
- The LMC caravan model: The insurance will be based on the actual costs, so more expensive models will attract a higher premium, as they will cost more to replace if destroyed or stolen.
- New for Old Cover: some caravan insurers will offer new for old caravan cover, but is often restricted to caravans that are under 3-5 years. This type of cover is more expensive than standard market value insurance, but if you have invested heavily it may be an attractive option.
- Storage & Location: If you can store your caravan safely when not in use, this will significantly reduce the cost of insurance compared to having it stored in a less secure location (e.g., driveway or street).
- Caravan Club Membership: Most insurance providers offer discounts to caravan owners who are members of a caravanning club.
- Modifications: Any changes made since the caravan left the factory can impact the cost, it is important to make your insurance provider of any such mods, for example, make your caravan wheelchair friendly. It is also wise to speak with your insurance provider before making changes and make sure any changes are professionally carried out.
- Age of Policyholder and Claims History: Owners under 25 are often considered higher risk than older caravan owners. It is best to build up a good history of no claims that will keep a lid on costs.
- Projected mileage: The number of miles covered over a year influences the cost of cover for your LMC touring caravan, the higher the miles covered, the increased risk to the insurance company. Conversely, limited road use can help reduce the cost of cover.
Best German Caravan Manufactures
The Germans have a reputation of building well-designed, quality caravans. What makes a German motorhome standout from other European manufactures? We would say some of the standout features include their clever design, safety features, plus high quality materials and advanced construction methods. They also produce smaller campers that are more budget friendly. German motorhome insurance including LMC and Hobby caravan insurance is readily available in the UK. When it comes to choosing an actual German manufacturer, we will leave that decision to you based on your personal leisure requirements. Some to consider include:
- Bürstner: Better known as Hymer, Bürstner, these guys have been producing quality caravans for over 60 years and like other German makers are noted for quality combined with advanced construction methods.
- Carado: Also under the ownership of Hymer. Carado motorhomes are manufactured in Neustadt, Saxony, not far from Dresden
- LMC Motorhomes: LMC motorhomes having building motorhome since 1950, and they focus on the minutest details, as well as optimum safety and practicality.
- Hobby : Hobby is one of the leading manufacturer of caravans in Germany. They have been creating classic caravans for over 4 decades and have a reputation for excellence. They use the highest quality materials and cutting edge machinery. This German brand similar to the French motorhome manufacturer Le Voyageur has an established network of dealerships throughout the UK.
Lowering the cost of LMC Caravan Insurance
Below, we suggest some great ways to lower the cost of touring caravan insurance or motorhome insurance:
- Increase the voluntary excess: Increasing this can help you reduce your insurance cost, but remember the excess amount you will be held liable for in the event of any claim.
- Improve Caravan Security: Speak with your insurance provider about how you can improve security, which should help lower insurance costs. Consider adding an insurance-approved alarm and immobiliser. Also, look at adding a tracking device to make recovery easier should it be stolen.
- Get multiple quotes: Getting quotes from a lot of providers is now easy and is one of the best ways to save money on campervan insurance.
- Build up a history of no claims : This is a longer term approach that will be rewarded with a cheaper insurance quotes as you prove to prospective insures that your risk of claiming is low.
- Named Drivers: If possible, opt for a named driver policy over any driver van insurance option. Having any driver will give you more flexibility but will attract a much higher premium as risk will be greater for the insurance provider. If you need any driver add some restrictions, for example, choosing only over 25 drivers.
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LMC Caravan Insurance FAQ’s
Frequently Asked Questions
- Updated: 25 March 2025
- Reviewed by Eamonn Turley Insurance Expert