Motorhome Insurance Comparison
Need to Compare Cheap Motorhome Insurance?
- Compare 10+ providers with one short form
- Motorhomes, campers and converted vans covered
- Top deals from many of the UK’s best insurance providers
Search roaring great deals from UK insurance providers, including
Cover for a motorhome protects your motor caravan on the road, and many policies also protect the living area, fixed fittings and belongings inside. You need at least third party cover to drive one on UK roads (GOV.UK). Comparing quotes shows which specialist insurers will take your vehicle and on what terms.
Which type of motorhome cover fits you?
The right cover depends on how you use the vehicle more than on its badge. Find the row that sounds like you, then check those points on every quote.
| Your situation | What to look for on a quote | More detail |
|---|---|---|
| A few long trips a year, stored the rest of the time | Mileage caps, storage site security, laid-up cover | Winter lay-up section below |
| Regular weekends away and the odd tour of Europe | Days of full cover abroad, contents limits, breakdown add-on | Breakdown cover |
| A coachbuilt or A-class over 3,500kg | Licence category for every driver, age limits | Licence section below |
| A campervan that doubles as a second car | Commuting use, named drivers, roof type declared | Campervan cover |
| A self-build or converted van | Declared changes, cover during the build, agreed value | Converted campervans |
| An older camper or classic coachbuilt | Agreed value, mileage limits, club discounts | Classic campers |
| An imported RV or left-hand drive model | Specialist underwriting, parts and approval paperwork | Import section below |
What a motorhome policy may and may not include
Most providers sell the same three levels of cover you see for cars. The habitation area is where policies differ most, so read the contents and fixtures limits on each quote.
| Cover level | Usually includes | Usually left out |
|---|---|---|
| Third party only | Injury to other people and damage to their vehicles or property. This is the legal minimum. | Repairs to your own motorhome, theft, fire |
| Third party, fire and theft | Third party cover, plus loss from theft and damage by fire | Damage you cause to your own vehicle in a crash |
| Comprehensive | All of the above, plus accidental damage to your motorhome. Many policies add fixed fittings and some belongings. | Wear and tear, mechanical failure, damp and poor upkeep |
Policies vary between insurers. Awnings, bike racks, solar panels and anything left outside the vehicle often have their own limits or need adding as extras.
Tiger.co.uk compares motorhome cover from a panel of 10+ providers through one short form, so you can line up prices and policy features side by side. Before you buy, you can check any insurer is authorised on the FCA register.
How to find cheaper motorhome insurance as a weekend tourer
Cheaper cover comes from cutting the chance or cost of a claim, because that is what insurers price. Weekend tourers can try these before they compare:
- Pick a realistic mileage band. Capped annual miles can lower the price, but going over the cap may affect a claim.
- Say exactly where it sleeps. A locked compound, a driveway and a roadside space are priced differently.
- Give the make and model of any tracker, alarm or wheel clamp, so the insurer can check it.
- Weigh up the excess. A higher voluntary excess can reduce the premium, but you pay it on every claim.
- Keep the driver list to the people who really drive it. Each extra driver changes the risk.
Pros and cons of a limited mileage policy
| Pros | Cons |
|---|---|
| Can cost less if you cover few miles each year | Going over the limit may breach the policy terms |
| Suits a vehicle that spends months in storage | One long European tour can use a big share of the allowance |
| You pay for the use you expect | Plans that change mid-year can leave you short of miles |
Heavier motorhomes, your driving licence and age limits
Your licence decides which motorhomes you can drive, and insurers will check it. If you passed your car test on or after 1 January 1997, category B lets you drive vehicles up to 3,500kg maximum authorised mass. For a zero-emission electric or hydrogen vehicle the limit is 4,250kg. Heavier ones up to 7,500kg need category C1 (GOV.UK licence categories).
Passed before 1 January 1997? Your licence usually includes C1 already, so you can normally drive a motorhome up to 7,500kg (GOV.UK older licence categories). Check the categories on your own licence before you buy a heavier van.
If your licence shows C1, note that from age 70 you must renew that entitlement by post rather than online (GOV.UK). Weight matters on the road too: a motorhome over 3.05 tonnes unladen is limited to 50mph on single carriageways and 60mph on dual carriageways (GOV.UK speed limits).
Younger drivers
Some insurers set a minimum age for motorhome insurance, and those that do quote younger drivers may charge more. If you are under 25, compare a wide spread of quotes and make sure the main driver on the policy is the person who drives it most.
Touring Europe in a motor caravan
All UK vehicle insurance gives the minimum third party cover in the EU, so you do not need a green card there (GOV.UK). That minimum does not pay for theft of or damage to your own vehicle, so check how many days of full cover abroad your policy includes.
Take the V5C log book and your insurance certificate. Check whether you need a UK sticker or an international driving permit for the countries on your route (GOV.UK driving abroad). Your motorhome policy covers the vehicle, not your health, so pair it with travel insurance for medical costs on the trip.
Laying up a motorhome over winter
Stop insuring a motorhome that is off the road and you must make a SORN, or you will be fined £80 automatically (GOV.UK SORN rules). With a SORN in place, you can only drive it on a public road to a pre-booked MOT or other test.
Some insurers offer laid-up cover that keeps fire and theft protection while the vehicle is stored. That can help if it sits on a driveway or storage site for the winter months.
Imported RVs and left-hand drive motorhomes
An imported motorhome needs vehicle approval and DVLA registration, and you must insure it before you drive it on UK roads (GOV.UK importing vehicles). Check its maximum authorised mass against your licence too, because anything over 3,500kg needs C1 or higher.
Left-hand drive and American models may be referred to specialist underwriters. Expect questions about where it was built, how easy parts are to source and how you arrived at its value.
Campervan, self-build and classic motorhome cover
Smaller van-based campers have their own page on campervan insurance quotes, with a guide to what to declare on a pop-top or high-top. If you have built the van yourself, our page on self-build and converted campervans covers cover during the build and DVLA paperwork. Owners of older vans can read about agreed value on classic camper cover.
Towing instead of driving? A touring van is insured differently, so see caravan insurance.
What you need before you get a motorhome quote
Have these to hand and a motorhome insurance form takes a few minutes:
- Registration number and the V5C log book
- Maximum authorised mass, shown on the plate or in the handbook
- Current value, plus any upgrades such as solar panels or a new awning
- Where it is kept overnight and what security is fitted
- Expected annual mileage and any trips abroad
- Licence details for every driver, including C1 if needed
- Recent claims and motoring convictions
- Whether you ever live in it for long spells or hire it out
Ian Wilson, Managing Director at Tiger.co.uk, says: “Before you compare, write down where the motorhome is stored, what security it has and any changes since it left the factory. Insurers price on what you tell them, so an accurate form gives you quotes you can rely on.”
How much is motorhome insurance?
There is no single price. Quotes depend on the vehicle’s value and weight, where it is kept, your mileage, your driving record and the cover level you pick. Comparing several insurers is the quickest way to see what your own motorhome costs to cover.
Can I drive a motorhome on a car licence?
Yes, up to 3,500kg maximum authorised mass if you passed your test on or after 1 January 1997, or 4,250kg for a zero-emission electric or hydrogen vehicle. If you passed before then, your licence usually includes C1, which covers motorhomes up to 7,500kg. Check your licence details to be sure.
Is it a legal requirement to insure a motorhome?
Yes. You need at least third party cover to drive on UK roads. GOV.UK says driving uninsured can lead to a £300 fixed penalty and 6 penalty points, or an unlimited fine and a driving ban if the case goes to court.
Can I live in my motorhome full time on a leisure policy?
Many leisure policies assume the vehicle is used for holidays and trips. If you plan to live in it for long stretches, tell the insurer before you buy, because you may need a policy written for full-time use.
Do I need insurance if my motorhome has a SORN?
No. A vehicle with a SORN does not need motor insurance. It cannot be driven or kept on a public road, except to go to a pre-booked MOT or test. You may still want laid-up cover for fire and theft while it is stored.
Will my policy cover a trip to France or Spain?
Every UK policy gives the minimum third party cover in the EU. Cover for theft of or damage to your own motorhome abroad depends on your policy. It may be limited to a set number of days, so check before you book the ferry.
Is motorhome insurance more than car insurance?
It can be more or less. The price depends on the vehicle’s value and weight, how hard parts are to source, your mileage, where it is kept and your driving record. A low-mileage motorhome kept in a secure compound may cost less to cover than you expect, so compare quotes for your own vehicle.
Ready to see your options? Compare motorhome quotes with Tiger.co.uk using one short form. Our big cat does the prowling across the panel, and you choose the policy that suits your trips. Policies, limits and exclusions vary, so read the documents before you buy.
Fact-checked by Ian Wilson, Managing Director at Tiger.co.uk. 20+ years in price comparison; MEng, Queen’s University Belfast.