Insurance for motorhomes

Over eight thousand people every year buy a motorhome and they come in many different shapes and sizes. Finding the right motorhome insurance for your needs can therefore be tricky and its vital that you research all the available options to secure the cover appropriate for you. Good cover will include accidental damage, theft and contents cover.

Usage

When looking for insurance for motorhomes, one of the key factors that you should consider is how much usage you will make of your motor home and where you will take it.

If you only plan to use the motorhome for two to three weeks a year, you may be able to save money on your premiums by taking out a short-term use policy. Such a policy will also take into account that your motorhome is likely to be securely garaged for the rest of the year.
However if you are going to use your motorhome extensively for many weeks or months at a time, you need to make sure your policy covers you for the appropriate time period.

The cost of your motorhome insurance will also be based on where you intend to travel in your vehicle. Some policies restrict the cover to UK usage alone and so if youre planning to travel further afield you will need to consider a policy with European coverage.

Size/Model
The type and size of your motorhome will also determine the cost of your cover. Insurance for motorhomes normally depends on the class of the motorhome:
A-Class all coach shaped motorhomes
B-Class all panel (or transit) vans fitted out as motorhomes
C-Class all cab conversions with a purpose built caravan body attached

In general terms, your insurance premium will be higher if your motorhome is larger, newer or more valuable. Be sure you can afford the insurance cost before you commit to buying a large, modern or expensive motorhome.

The Sainsburys survey referred to above also found that Britons will embark on 56 million holidays this year with the UK being named as the most popular destination. If youre planning to travel in the UK in your motorhome, make sure you dont leave home without the correct insurance