Enjoy the freedom to travel while keeping your home comforts close
With almost a quarter of a million motorhomes being used across the UK, you’re certainly not alone if you enjoy taking regular trips in your motorhome!
Motorhome owners love the convenience of being able to travel with their favourite things around them – but it’s important to make sure you have the insurance you need to cover you.
What’s the difference between a motorhome and a campervan?
The words motorhome and campervan are often used interchangeably, but there are a few differences:
- Motorhomes are generally larger, with a separate cab, and built on a truck or bus chassis. It usually has facilities for cooking and washing and a separate sleeping area.
- Campervans don’t usually have a separate cab. As they’re smaller, the facilities are generally more basic and may just cover cooking and sleeping. Find out more about the difference between campervan and motorhome insurance.
Levels of motorhome insurance cover
As with our Van Insurance, we offer three levels of cover for motorhomes:
Comprehensive cover is the highest level we offer. It covers theft and damage caused by fire, damage to other drivers if you have an accident, and will pay out to repair or replace your motorhome if it's damaged in an accident or suffers malicious damage.
Third party, fire and theft
Third party, fire and theft covers damage caused by fire or theft but won’t protect you if your motorhome’s damaged in another way such as a crash – but if you’re involved in an accident, we’ll pay out to the other driver.
Third party only
This is the minimum level of cover required by law and protects you if you damage someone's property or injure them while driving. Third party only cover will also protect your passengers if they’re injured while in your motorhome. This level of insurance doesn’t cover theft or fire damage.
£5,000 Personal Injury Cover
Get £5,000 of personal injury cover for you and your spouse.
Named Driver No Claims Bonus
Any Named Driver could earn themselves an Admiral No Claims Bonus for use with Admiral policies.
Sat-Nav and Personal Belongings Cover
If your personal belongings or effects are damaged or stolen while in your van, we'll pay up to £100 to help you replace them.
24 Hour Emergency Helpline
Comprehensive and third party, fire & theft customers can call if they have an incident and we're liable for the damage.
Insure a second van with us and, in most cases, we'll match your No Claims Bonus on that vehicle as well.
Your Questions Answered
We hope you've found everything you need, but maybe you have a few questions. You can find answers in this section.
What category driving licence do I need to drive a motorhome?
Motorhomes come in a range of sizes, so it’s important your driving licence covers the category your vehicle falls into.
This is worked out by looking at the vehicle’s maximum authorised mass (MAM), which is the vehicle’s weight plus the maximum load it can carry:
- If the MAM is 3.5-7.5 tonnes, you need a category C1 licence
- If the MAM is 7.5 tonnes and over, you need a category C licence
If you passed your test since 1 January 1997, a standard driving licence covers categories B and B1. This means you can drive a vehicle weighing up to 3.5 tonnes and tow a trailer of up to 0.75 tonnes behind it.
Do I need motorhome insurance?
Yes – motorhome insurance is a legal requirement. If you don’t want to insure it, you must declare your motorhome off the road by filling in a statutory off-road notification.
How much is a motorhome insurance quote?
The cost of motorhome insurance varies based on factors like:
- Previous insurance claims
- Number of years’ experience driving motorhomes
- Other named drivers
What if I’ve made modifications to my motorhome?
You must tell us about any modifications to your vehicle at the time you buy your insurance. If you install any modifications part way through your policy, you must let us know.