Insurance for your motorhome

Yes, motorhome insurance is essential for several reasons. Firstly, it’s a legal requirement in the UK, meaning you cannot drive your motorhome on public roads without insurance, similar to car insurance laws. Failing to have the proper cover could result in fines, penalties, or your motorhome being impounded.

Secondly, motorhome insurance can protect you financially by covering accidents, theft, or damage to your vehicle. Whether it’s a minor collision or major repairs, having insurance can mean you won’t have to bear the full cost.

It can also provide coverage for personal belongings inside your motorhome, which is especially important if you use it for long trips or holidays. Plus, motorhome insurance can cover third-party liability, meaning you’re protected if you cause damage to other vehicles, property, or people while driving.

It’s a legal requirement to have motorhome insurance if you drive a motorhome. It’s also handy, as it can cover repair costs after an accident, protect you from theft and damage, and offer you peace of mind while you’re on the road.

The main differences between these insurance premiums are dictated by the differences in size, value and usage. Therefore, insurance premiums can vary depending on:

• Security: Motorhomes often require greater security measures due to their size and value compared with campervans. This can influence insurance premiums between these two vehicles.
• Value: There is also a price difference between many motorhomes and campervans, with motorhomes often being more expensive to purchase due to their greater size and built-in living spaces. Therefore, it is common for motorhome insurance to have higher premiums to cover replacement or repair damage to a more expensive vehicle.

Generally, you can't drive a motorhome on your regular car insurance. Motorhomes usually need dedicated insurance because they’re larger and have different risks than cars.

Whether you can drive a motorhome will depend largely on when you received your UK driving license. Those who were issued their license before 1997 will be able to drive any vehicle over 7,500kg (category C1) which covers the majority of UK motorhomes. If you received your license after 1^st January 1997, you are only eligible to drive vehicles weighing up to 3,500kg (also known as category B and B1 vehicles). Most UK motorhomes should fall within this weight category, except for American RVs which are typically heavier. It is always best to check the back of your driving license and the weight of your vehicle before driving a motorhome. For more information, read out handy guide on licenses for motorhomes.

Many insurance companies, including Lifesure, require drivers to be at least 21 to be eligible for motorhome insurance.

Motorhome insurance is a legal requirement in the UK, just like car insurance. It helps protect you, your vehicle, and others on the road in case of an accident or damage.

There are several ways that could lower your motorhome insurance costs:

• Improve your motorhome’s security with alarms or trackers.
• Park in safe, secure areas.
• Get specialist cover if you have a self-build motorhome.
• Drive safely to avoid claims and build up your no-claims discount.

For more information, get in touch with our friendly UK-based team.

Motorhome insurance is easy with Lifesure. Get a quick quote or speak to one of our friendly agents. They’re on hand to help you and find a policy that meets your needs.