Motorhome Insurance

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Published: October, 2025. Updated: October, 2025.

Motorhome Insurance Made Easy

Motorhome insurance prices can vary significantly between providers. You could save money on motorhome insurance by comparing as many options as possible.

Instead of visiting insurers one by one, use an online comparison tool to explore motorhome insurance options from leading UK providers.

Choose the Right Level of Cover

Consider Comprehensive vs. Third Party, Fire & Theft. For most owners, comprehensive insurance provides the most protection.

Consider Usage and Mileage

Some insurers offer discounts if you only use your motorhome occasionally or travel under a certain mileage limit each year. Be realistic with your estimate — overestimating your usage can increase premiums, while underestimating could invalidate a claim.

Secure Your Motorhome

Adding extra security features such as alarms, wheel clamps, immobilisers, or even a tracking device can reduce your insurance costs. Many insurers reward responsible owners who take proactive steps to protect their vehicle from theft.

Store Your Motorhome Safely

Where you keep your motorhome when it’s not in use has a big impact on insurance costs. Parking on the road usually costs more, while storing your motorhome on a driveway, in a locked garage, or at a recognised storage site often results in cheaper premiums.

Build a No-Claims Bonus

If you can drive safely and avoid claims, you’ll gradually build up a no-claims discount. Over time, this can significantly reduce your insurance premiums, making it one of the best long-term strategies for saving money.

Pay Annually Instead of Monthly

Although monthly instalments make payments easier to manage, insurers usually add interest. If possible, paying annually upfront is often cheaper in the long run.

Consider Advanced Driving Courses

Taking an advanced driving course can show you are a lower-risk driver and potentially lower your premium.

Tailor Your Policy

Think carefully about what extras you need. Options like European cover, breakdown assistance, or personal belongings cover can be useful — but only if you’ll actually use them. Removing unnecessary add-ons can cut costs without reducing your essential cover.

Use a Specialist Provider

Motorhomes are unique vehicles, and standard car insurance providers may not always offer the best policies. Specialist motorhome insurers often understand the lifestyle better and provide tailored cover for touring, camping equipment, and long-term travel.

Check Reviews

Look at customer reviews to gauge the insurer's reputation for claims handling, not just their price.

Disclose All Modifications

Be sure to inform your insurer of any modifications, such as self-conversions or towbars, to ensure your policy is valid.

Editorial Disclaimer

This guide to motorhome insurance is provided for general information purposes only and does not constitute financial advice. While we aim to keep all information accurate and up to date, insurance policies and prices can change frequently. Always check the full details with your chosen insurer before making a decision.

Some of the links in this article may be affiliate links, meaning we may receive a small commission if you click through and make a purchase or request a quote — at no extra cost to you. This helps us maintain and improve our website content.

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