Best motorhome insurance

Motorhome insurance is specialist cover for motorhomes, campervans and RVs. It protects against financial loss in the event of accidental damage, theft and injury, and typically includes cover for the vehicle itself, the contents inside and public liability. Unlike standard car insurance, motorhome insurance is designed for a vehicle that also serves as living accommodation.

Yes, motorhome insurance is a legal requirement if the vehicle is kept on a public road or driven on UK roads. If you keep your motorhome on private land and it’s declared SORN (Statutory Off Road Notification), you don’t legally need insurance, though it’s still recommended to cover theft and damage while in storage.

To find the best motorhome insurance deal, compare quotes from specialist motorhome insurance companies rather than standard car insurers - specialist providers often offer better cover at a lower price for motorhomes. Look at the total level of cover (not just the price), including whether European touring cover, contents insurance and breakdown assistance are included. Our rankings show which providers are rated most highly by real customers.

Motorhomes and campervans are technically different vehicles - a motorhome is a purpose-built vehicle with integrated living accommodation, while a campervan is usually a converted van. Insurance policies may treat them differently in terms of cover, value and premium. Some insurers cover both under a single motorhome policy; others specialise in one or the other. Always check that the vehicle you have matches the description in your policy.

Many motorhome insurance policies include some level of European cover, but the extent varies. Some offer a minimum of Third Party cover when driving in Europe; others include comprehensive cover for an additional premium or as standard. If you plan to tour Europe regularly, it’s worth specifically checking and comparing European touring cover when choosing a policy.