Published on May 24th, 2014 | by neil


Everything You Need to Know About Motorhome Insurance

If you’ve got your beloved motorhome and your exciting trip all planned out, there’s just one more thing that you definitely need before you get going: motorhome insurance. Nobody likes paying for insurance of any kind, but it’s a necessity that we can’t do without. Insurance keeps us from being out of pocket and can get us out of trouble when we need it! However, your own individual policy needs to meet your unique needs as an individual/couple/family, to ensure that it will cover you for any mishaps or problems. Want to know more? everything you need to know is in this guide:


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Motorhome insurance, as you probably already know, is a legal requirement. The last thing you want while you’re out exploring somewhere exciting is for your trip to be ruined by theft, damage, an accident, or a loss. With the perfect insurance policy you’ll have peace of mind as you know everything will be put right as quickly as possible.

To decide on the right insurance policy, you need to consider everything that could possibly go wrong and what you’d like to happen if something did go wrong. For example, you could travel to Europe and have an accident – having an accident in the UK is one thing, but in a foreign country there are all kinds of things that could go wrong. Here are some other things to consider:

  • You may need windscreen replacement as this is the most common form of accident that motorhome owners experience.

  • You may be a victim of vandalism or accidental damage.

  • You may have a road accident or breakdown.

  • You may have a break in or theft of personal items.

  • You may have legal fees if you find yourself in a dispute after an incident.

It’s so important that you take out a policy that covers all of your needs. You’ll also need to make sure the policy covers every single person travelling with you.

Your policy will differ depending on the budget you have, the level of cover you need, the kind of motorhome you have, the distance you’re travelling, and so on. Insurance companies offer a range of policies, just take a look at to get an idea of what’s available. Motorhome insurance is different to ordinary car insurance, as it requires specialist knowledge.

Keeping the Cost Down

Although motorhome insurance is a legal requirement, there is no harm in trying to keep the cost down to make paying it out as painless as possible. There are many ways you can keep the cost down on your motorhome insurance. Your premiums will be reduced the more secure your motorhome is by using trackers and alarms, if the place you store your motorhome is safe, and if you can manage to keep your yearly mileage low.

Getting motorhome insurance doesn’t have to be a pain – follow the advice in this guide to get it over with as quickly as possible, so you can focus on your trip. Did this guide answer all of your motorhome insurance related questions? Let us know in the comments!

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