Running Costs
Insurance Costs for a UK motorhome.
Overview: What Drives a Motorhome Insurance Premium
Motorhome insurance covers both a vehicle and a living space, which makes pricing it a little more involved than a standard car policy. Your premium is shaped by the vehicle’s value, your storage arrangements, your claims and driving history, your annual mileage, and the level of cover you choose.
Our own premium has moved from £461.32 to £620.05 across five renewals — a useful real-world reminder that it’s worth reviewing your policy every year rather than auto-renewing.
Average UK Motorhome Insurance Premiums
Based on data from our insurance partner Quotezone, the average UK motorhome premium sits around £598 a year, with a typical range of roughly £233 to £977 depending on the vehicle and the owner’s circumstances. Our own figures sit within that range, which is a reasonable sense check if you’re trying to work out whether a quote you’ve been given is competitive.
Agreed Value vs Market Value
Agreed Value cover fixes a payout figure at the start of the policy, which protects you from the rapid early depreciation many motorhomes experience. Market Value cover pays out whatever the vehicle is deemed worth at the time of a claim, which can be considerably less than you paid, especially in the first couple of years. For newer or well-specified vehicles, Agreed Value is usually worth the extra cost.
Security Devices That Lower Your Premium
Fitting a Thatcham-approved alarm, an S5 or S7 tracker, or keeping the vehicle in CaSSOA-accredited storage can all reduce what you pay, since they directly reduce the insurer’s theft risk. We’ve covered storage options and their effect on premiums in more detail in the real cost of storing a motorhome in the UK.
Club Membership Discounts
Some insurers offer a discount for members of clubs such as the CAMC or CACC — worth asking about specifically when you get a quote, since it isn’t always applied automatically. Our own club subscriptions run to a few hundred pounds a year combined, and any insurance discount attached to them effectively offsets part of that cost.
Voluntary Excess and Mileage
Increasing your voluntary excess, or choosing a limited-mileage policy if you genuinely tour less than the standard allowance, can both bring the headline premium down — but only take a higher excess if you’re comfortable covering that amount out of pocket if you do need to claim.
How to Get the Best Quote
Compare multiple insurers rather than renewing automatically, be accurate about storage, mileage and any modifications, and review your cover level annually as your vehicle’s value changes. Our full motorhome insurance guide covers cover types and where to compare quotes in more detail, and sits alongside our real motorhome running cost breakdown if you want to see how insurance fits into the bigger picture.
Written by Nicky Michelmore