The cost of motorhome insurance really varies mainly depending on the type of motorhome you own and how often you use it.
Standard motorhome insurance in the UK typically costs less for lower value campervans while more expensive models tend to sit in a higher price range. Luxury motorhomes can attract significantly higher premiums.
Motorhome insurance is often cheaper than car insurance for a few reasons. Motorhomes tend to have lower mileage, less frequent usage and fewer claims which all helps to keep premiums lower. That being said, this does largely depend on the type of motorhome you’re looking to insure.
There are a few key factors that will typically affect the price of your motorhome insurance:
Yes it is possible to insure your motorhome temporarily. Seasonal cover can reduce costs when not in use, and is particularly useful if you only use your motorhome for occasional trips and holidays.
Most modifications will increase motorhome insurance premiums, for example performance upgrades, cosmetic changes, and interior conversions.
Not all modifications lead to higher premiums, in fact security security and safety devices can actually reduce insurance premiums. Features like approved alarms and immobilisers can make your motorhome less risky to insure, which some providers reward with discounts.
There are a few ways you can get the most out of your motorhome insurance:
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