Compare Motorhome Insurance for Your Adventures

Compare motorhome and campervan insurance quotes from a panel of specialist UK providers. Whether your renewal is coming up or you've just bought a motorhome, comparing cover could help you find a policy that suits how you use it.

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Quick Motorhome Insurance Quote

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Retrieve an existing quote Comparison service provided by Quotezone, a trading style of Seopa Ltd, authorised and regulated by the FCA (FRN 313860). Jonny Networks Ltd is an Introducer Appointed Representative of Seopa Ltd. We do not offer financial advice.

Quotes from a panel of specialist UK motorhome insurance providers

Compare motorhome insurance quotes

Comparing motorhome insurance is straightforward. Whether your current policy is coming up for renewal or you've just bought a motorhome, comparing cover could help you find a policy that suits your needs.

1

Tell Us About Your Motorhome

Provide the make, model, age, value and fuel type of your motorhome, along with how you use it, your estimated annual mileage and where you park it.

2

Add Your Details & Drivers

Add your personal details and claims history, your licence and motorhome driving experience, and any additional drivers you'd like on the policy.

3

Review The Available Policies

You'll be shown a list of available policies based on the details you provide. You can then review the cover and decide which option suits you.

Levels of Cover

Motorhome Insurance Cover Levels

If you drive a motorhome on UK roads you need at least third-party cover. Like car insurance, motorhome cover comes in three main levels.

Comprehensive

The highest level of protection. Can pay to repair or replace your motorhome after an insured event, including some at-fault accidents, as well as covering third-party claims.

Third party, fire & theft

The same protection as third-party cover, with added protection if your motorhome is stolen or damaged by fire.

Third party only

The minimum legal level for UK roads. Covers damage or injury to others and their vehicles, but not damage to your own motorhome.

Cover levels and features vary between insurers and policies. Always check the policy documents to confirm what is and isn't included.

What Motorhome Insurance Typically Covers

Exact cover depends on the insurer and policy. As a general guide, motorhome policies often include the following.

Often available

Personal belongings cover, awning cover, European cover, breakdown cover, generator cover, legal protection and windscreen cover — some as standard, others as add-ons, depending on the insurer.

Often excluded

Using the motorhome as a permanent residence, normal deterioration and wear, using it for business when not declared, and theft where the motorhome was left open or a window left open.

Choosing the Right Class of Use

The best option depends on how you use your motorhome. Declaring this accurately helps keep your cover valid.

Social, domestic & leisure

For outings and holiday trips. This doesn't cover driving to work or using your motorhome to earn money.

Commuting

For driving from your home to a single regular place of work.

Personal business use

For travelling to business meetings and events, as well as getting to and from work.

Tips When Comparing Motorhome Insurance

Depending on your motorhome and how you use it, there are a few things that may help you find more competitive quotes.

1

Pay annually

Paying for cover once a year rather than monthly can work out cheaper, as monthly payments often include interest.

2

Improve security

Adding a steering lock, tracker or ID kit may help reduce premiums with some insurers.

3

Store it off the street

Keeping your motorhome on a driveway, in a garage or at an approved storage site may help.

4

Reduce your mileage

If you don't use your motorhome much, a policy with a mileage limit may suit you.

5

Increase your voluntary excess

A higher voluntary excess can mean lower premiums — just make sure you could afford both the voluntary and compulsory excess if you needed to claim.

6

Join an owners' group

Some insurers offer discounts to members of recognised motorhome owners' clubs.

Add-ons to Consider

Many motorhome policies let you add extra cover. Availability and cost vary by insurer, so check what's included as standard before adding extras.

Personal belongings

Cover for personal items and equipment kept inside the motorhome.

Awning cover

Cover for an awning attached to your motorhome against damage or theft.

European cover

Extends your cover for trips to continental Europe.

Breakdown cover

Help getting you and your motorhome home or to a repairer if you break down.

Generator cover

Cover for an onboard generator against damage or theft.

Legal protection

Helps with legal costs that can arise from a dispute or claim.

Frequently Asked Questions

Do I need motorhome insurance?
Yes. Like any other road vehicle, a motorhome needs at least third-party insurance to be driven legally on UK public roads. Comprehensive policies offer more protection for you and your motorhome.
Can I drive a motorhome on my car insurance?
No. A motorhome needs specialist insurance because it is used in a unique way — both to travel and as living accommodation. Standard car insurance policies typically exclude vehicles used as accommodation.
Can I insure a motorhome for 6 months?
Many providers offer short-term or temporary motorhome insurance, and limited-mileage options are also available. These can suit owners who only use their motorhome seasonally.
Can someone else drive my motorhome on my insurance?
Most policies allow you to add additional named drivers. Alternatively, temporary motorhome insurance can be useful if someone is borrowing or lending a vehicle for a short period.
Do I need to insure my motorhome if I'm not using it?
If you don't plan to drive your motorhome on public roads, it doesn't need to be insured, but it must be officially declared off the road with a SORN. Many owners do this over the winter months.
How are motorhome insurance quotes generated?
Quotes are generated using the details you enter, such as vehicle information, how you use the motorhome, your mileage and your claims history. Insurers use their own pricing models to calculate premiums, which can change over time.
Do comparison websites provide financial advice?
No. Comparison websites provide information to help you compare available options. They do not provide personal recommendations or financial advice.
How does this website make money?
This website may receive a commission from insurers or partners when you choose to proceed with a policy through the platform. This does not affect the price quoted by the insurer.

This website provides information only and does not offer personal recommendations or advice. Insurance premiums are set by insurers and are subject to change. Always check policy details carefully before purchasing.

Compare Motorhome Insurance Quotes

Compare quotes from a panel of specialist UK providers and see what options are available for your motorhome.

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*51% of consumers could save £160.21 on their Motorhome Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from May 2026. The savings you could achieve are dependent on your individual circumstances

** Correct as of June 2025.

MyCompare is a trading style of JonnyNetworks Ltd registered in England, company number 09018319. JonnyNetworks Ltd is an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd are authorised and regulated by the Financial Conduct Authority (FCA FRN: 313860). Quotezone is a trading style of Seopa Ltd. Seopa Ltd is located at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. The insurance quote system is independently owned and operated by Seopa Ltd. JonnyNetworks Ltd do not offer financial advice and we receive a commission for any policies purchased, at no cost to you.