Can I drive a motorhome on my car insurance?

Motorhomes and campervans are defined as motor caravans by the DVLA, so need a specialist policy separate to your car insurance.

What type of insurance is needed for a motorhome?

You can choose between social only motorhome insurance or commuting and social motorhome insurance depending on your usage needs.

What's the difference between a motorhome and a campervan?

Both motorhomes and campervans are vehicles that provide mobile accommodation and transport. Motorhomes are generally larger, with the cab and the living space more distinctly separated. Motorhomes usually contain a kitchen area, shower and toilet facilities. Campervans are usually smaller and more basic – often just a folding bed, cooker, sink and fridge.

How should I calculate my motorhome's mileage for insurance?

Estimate your annual mileage based on how often you use your motorhome. For regular use, multiply weekly travel by 52 weeks; for occasional trips, use tools like Google Maps to calculate the distance of planned trips.

Do I need a specific license to drive a motorhome?

If you have a full UK driving license, you can drive motorhomes up to 3.5 tonnes. For vehicles up to 7.5 tonnes, you'll need to have passed your test before January 1, 1997, or take an additional test if you passed your test after this date.

What are the different levels of motorhome insurance cover?

Motorhome insurance is available in three levels: Third Party, Third Party Fire & Theft, and Comprehensive coverage.

Does motorhome insurance cover my personal belongings and contents?

Contents cover is optional and can be added to your motorhome insurance policy to protect your personal belongings.

Are awnings, bike racks, solar panels, and other modifications covered?

Modifications and accessories are only covered if declared on your policy.

Is water ingress, damp, or leakage covered by motorhome insurance?

Water damage from maintenance issues or wear and tear is typically not covered, but sudden, accidental damage may be covered depending on your policy.

Can I insure my motorhome if it's stored on my driveway, a storage compound, or on the road?

Yes, you can insure your motorhome regardless of where it's stored overnight, but you must declare the storage location on your policy.

What security devices can reduce my premium?

Approved alarms and immobilisers, tracking devices, wheel clamps, and steering locks can help reduce your motorhome insurance premium.

Does motorhome insurance cover additional drivers?

Most policies allow you to add named drivers, but eligibility may depend on age, licence type, driving history, and sometimes motorhome experience. If you plan to share driving on trips, add drivers in advance—undeclared drivers can invalidate cover.

What happens if I rent out my motorhome or use it for business?

Standard policies typically exclude hire-and-reward or rental use, so you'll need specialist cover if you rent out your motorhome or use it for business purposes.

Is windscreen or glass cover included?

Glass and windscreen cover may be included in your policy or available as an optional extra.

How does no-claims discount work for motorhome insurance?

You can build up a no-claims discount on your motorhome insurance, and protected NCD options are available to safeguard your discount.

What should I do if I make a claim while abroad?

If you travel outside the UK, check your policy's claims process: emergency helplines, required documentation (police report for theft/accidents), repair authorisation, and whether repatriation of the motorhome is included. Keeping photos, third-party details, and written incident notes helps speed up settlement.

How quickly can cover start after I buy a policy?

Cover can start immediately after you purchase your motorhome insurance policy.

Motorhome Insurance 2026

What is motorhome insurance?

Motorhome insurance is designed for vehicles that are used both for driving and for travelling or temporary living. Because a motorhome combines elements of a vehicle and accommodation, insurance needs can be different from standard car insurance.
Depending on the policy, motorhome insurance may help cover risks such as accidental damage, theft, fire and third-party claims.

Some policies may also include or offer optional cover for belongings, awnings, equipment or travel in Europe.
If your motorhome has specialist features, modifications or higher-value contents, it is worth comparing policies carefully to make sure the cover reflects how the vehicle is actually used.

What does motorhome insurance cover?

With hundreds of custom options to choose from, motorhome insurance can cover almost anything from theft to travelling to Europe in your motorhome. Our panel of specialist providers means that you can find cover for both new and classic motorhomes. While you should always read the small print before you commit to any insurance, here’s an overview of what typically is and isn’t included when you insure with us:

Your insurance includes

Theft

Accidental damage

Third-party liability

Legal assistance (optional)

EU cover (optional)

UK breakdown cover (optional)

Protected no claims (optional)

And thousands of other options to ensure your motorhome is fully protected

Your insurance may exclude

Damage or theft due to poor security

Theft when stored at a location other than what’s specified in your policy

Every day wear and tear

Pest infestation

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Why insure with us?

Comparing motorhome insurance is not just about finding a lower price. It is about finding cover that suits your vehicle, travel habits and insurance needs. Using one comparison journey can make it easier to review suitable options without approaching multiple insurers separately and this is how InsureMy can help.

One simple form

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Hundreds of options

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Your choice of specialist insurers

What you'll need to compare quotes

With InsureMy, you can save time by comparing motorhome insurance quotes from specialist insurers in one place. Simply fill out one form to get quotes from our trusted panel of specialist motorhome and campervan insurers. The more you can tell us the better, so it’s helpful to have the following information to hand when you apply:

Motorhome Insurance

Do I need motorhome insurance?

Motorhome insurance explained

What is motorhome insurance?