Insurance savings for your motorhome
Our motorhome policy provides fully comprehensive cover to insure your motorhome, whether it's a professionally converted van, coach-built, A-class, campervan, or even an American RV. See below for a full list discounts available.
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Summary of discounts available
|Discount||Do you qualify?|
|Up to 72.5%||No claim discount||More info|
|Up to 11%||Secure home storage||More info|
|Up to 10.5%||Previous experience||More info|
|Up to 9%||Low mileage||More info|
|2.5%||Reversing camera or parking sensor|
|Up to 25%*||Security system discount as per below:|
|15%||Thatcham category 2 OR manufacturer fitted immobiliser OR…||More info|
|19%||Thatcham category 1 security (alarm & immobiliser) or Van Bitz OR…||More info|
|25%||Approved tracking device||More info|
|Tyron bands||More info|
|Tyre pressure monitors||More info|
|Tyre sealant||More info|
*Note that 25% is our maximum security device discount, even if you have more than one device fitted to your motorhome.
Features & benefits
Backed by a leading UK insurance provider, RSA (Royal & Sun Alliance Insurance Ltd)
Our motorhome insurance policy lets you keep your premium low by only choosing the cover options you need. Compare our policy benefits to your existing insurance and we're sure you'll find our cover to be great value for money.
- Comprehensive specialist motorhome cover
Reassurance of accidental damage cover and no excess for windscreen repairs.
- 24 hour UK recovery and roadside breakdown assistance (operated by AXA Assistance)
A specialist team will help if you get stuck and recover you no matter how big your motorhome
Click to read more about our UK breakdown assistance cover.
- European breakdown cover
Extends our specialist motorhome recovery service including repatriation costs
Click to read more about our European motorhome breakdown cover.
- Emergency accommodation cover options
Fall back on up to £75 daily for a maximum of 15 days so you can continue your holiday – or pay to extend this up to £100 per day for up to 30 days.
- £100,000 motor legal expenses
This covers any motorhome or car owned by you. It can be used to fund legal proceedings to recover uninsured losses. Such as your excess, from the driver at fault, where you have greater than a 51% chance of compensation success.
- £20 million public liability cover
Protection from legal claims made against you or insured drivers for accidents, injuries or damage.
- £15,000 personal accident cover
A little peace of mind provided by a lump sum payment following a major accident.
- Awning storm damage
Both your motorhome and awning are covered should they be caught in a storm.
- Highly rated claims service in the UK
Our experienced team of experts at RSA will settle your claim quickly and efficiently.
- Comprehensive European cover up to 9 months option**
Enjoy the freedom to take trips abroad be it a hop across the channel or a full tour of Europe.
Click to read list of countries covered
- Protected no claim discount option
Help to keep your premiums low even if you have to claim.
- £5,000 equipment and personal possessions cover
For portable items such as trailers, awnings, gas bottles, generators, TVs and clothing.
- New for old motorhome replacement (if owned from new and under 2 years old)
Get a brand new motorhome if yours is written off or stolen.
- £1,000 cover for keys and locks
Feel secure with replacement locks, keys and transmitters following theft.
- Flexible excess from £150
You can reduce your premium by increasing your excess.
- 14 day money back guarantee (subject to no claims)
Our plain English policy comes with the reassurance of a satisfaction guarantee.
Plus, for every paperless policy we provide, we will donate £1 to our chosen charity - Heart Research UK.
This website provides a brief summary of the policy cover and options that are available to you. Your schedule will confirm cover features and levels applying. Benefits and discounts are subject to change and are subject to terms and conditions, cover level and underwriting criteria. Minimum premiums apply.
For more information about our motorhome insurance policy, you can download a specimen policy wording or policy summary from our motorhome insurance documents section. Minimum premiums apply.
**Please check with www.gov.uk for travel rules.
Don't take our word for it
I'm with Caravan Guard because...
"Excellent European Breakdown Service"
In 2014 we broke down on a mountainside in Spain. A phone call to our motorhome insurance company Caravan Guard led to recovery on a low loader the 120kms to Malaga. We were provided with a hotel room with B&B for the week it took for a repair to be effected. This enabled us to get to know the Malaga area and enjoy our waiting time.
We are appreciative of the excellent service provided through Caravan Guard. During our many years of insurance cover by them, it is always 'service with a smile' – Well, it sounds that way when talking with them on the phone!RamblingRoses, Review Centre
Our guide to motorhome insurance
Why do I need specialist cover?
Motorhome and campervan insurance is a legal requirement, just like car insurance or van insurance. However, the cover needed is very different because of the way you use your motorhome or campervan, and the amount of equipment and facilities it contains.
What are the key things to look for when choosing a policy?
- Only pay for the cover you need. We let you choose whether to include European cover, and calculate premiums based on your annual mileage – so if you don't go abroad, or only drive a few thousand miles a year, you can make sure you're only paying for the insurance cover you need.
- Make sure you get all the discounts you deserve. Security devices such as Pro-Active tracking devices, alarm systems, and immobilisers, will earn you big insurance discounts with us. Simple steps such as storage behind 24 hour locked gates, and/or fitting a reversing camera, will also drive down your premium.
Click here to read our motorhome security guide, to learn what you can do to protect your motorhome or campervan.
- UK motorhome breakdown cover is automatically included with our policy, and European insurance (EU Cover) and breakdown cover is available as an optional extra. Some breakdown services have size or weight restrictions – Our breakdown cover doesn't have any limits on the size or weight of the vehicle, and so is suitable for different types of motorhome, large or small.
- 'New for old' cover is offered on motorhomes up to 2 years old (subject to you owning it from new). This means that if the motorhome or campervan is stolen or damaged beyond economic repair, you'll be given a brand new motorhome of the same or nearest equivalent model. 'Market value' cover means that you'll be given a cash sum which represents the lost motorhome's current 'market value' in such a total loss situation.
- Make sure the policy is with a reputable insurer. Our motorhome policy is underwritten by Royal & Sun Alliance Insurance Ltd (RSA), one of the UK's leading insurers.
Top ten FAQs
Comprehensive motorhome insurance will provide you with the most extensive level of protection, including everything covered by third party, fire and theft. It could also cover your motorhome against at-fault damage.
If your motorhome is stolen, involved in a road traffic collision, an animal causes damage to your motorhome, or it is damaged in a hailstorm, your comprehensive insurance provides cover for your losses (after your excess) and up to the limits on your insurance policy.
Caravan Guard offers competitive premiums and good quality, comprehensive motorhome insurance, which can be tailored to your needs, giving you the peace of mind that you're protected against financial loss.
The cost of motorhome storage varies, but after reading various motorhome forums and seeing what people are paying, the cost seems to be from around £1 – £1.50 per day in most of the UK: The cost is usually more around London and the south-east of England.
Expect to pay more for higher levels of security and, especially for undercover (indoor) storage. Similarly, larger storage bays (over 7m or so) can cost more.
Most storage companies charge by the year, although three to six month agreements might be possible.
Secure storage offers a useful alternative to home storage for many motorhome owners. It might take a little more planning before a holiday, as you have to arrange for the collection of your motorhome, but you will benefit from not having your motorhome taking up space at your home. Your insurance premium might be lower if you choose to store your motorhome at a secure facility, but you should always check what security features are in place, as facilities will vary between storage sites, and the storage site postcode will also be a factor for your motorhome insurer.
The Caravan Storage Site Owners' Association (CaSSOA) provides a register of more than 500 secure sites, which are specifically designed for the purpose of storing motorhomes and caravans. CaSSOA sites are rated Gold, Silver, or Bronze depending on the security level of the venue.
Simply call our claims helpline on 01422 501 084 (lines open weekdays 8am–8pm).
As the underwriters of your policy, RSA will handle your claim and pay any settlement. When you report your claim, you'll be given a unique claim reference number. They will take all of the details necessary and advise you on next steps.
Like car insurance, the price to insure a motorhome or campervan depends on a number of factors. Facts that affect the price would be make and model, value, storage location, age and number of drivers, previous claims or convictions, excess, no claims discount, annual mileage, and level of cover.
Our motorhome and campervan insurance is fully comprehensive and tailored to your specific needs, so it's best to contact us for your unique quote.
The levels of cover will change from company to company, but choosing a comprehensive cover provides the best protection for you and your motorhome.
'Third party' or 'third party fire and theft' policies mean that any damage to your motorhome is your problem. Caravan Guard offers comprehensive motorhome insurance which covers accidents, fire, theft and storm without the worry of paying for expensive repairs (just your excess).
Our additional inclusive benefits include cover for UK breakdowns, keys and locks, legal expenses, public liability and personal accidents, with optional European insurance, European breakdown cover, and two levels of emergency accommodation.
There are five main motorhome body types: Coachbuilt (or coach-built), Campervan, A-class, American A-class (sometimes referred to as "RVs"), and American Coachbuilt. We have a short video to help you.
Incorporating both the engine manufacturer's chassis and driving cab, the motorhome body is built above and behind the driving cab by the motorhome converter. This often results in a storage/sleeping area over the driving cab that can sometimes appear to "lip out" over and above the driving cab. A 'low profile' Coachbuilt may reduce or omit this "bubble". The driving area will generally retain a windscreen that is angled backwards (like a car windscreen).
The motorhome converter uses the standard vehicle specification body (as designed by the engine manufacturer) as a shell, in which the converter builds the inner body of the motorhome. The outer body of the motorhome remains very similar in appearance to its original manufacture as a van, but incorporates converter designed features such as additional windows, an elevating roof, etc.
Using only the engine manufacturer's chassis, the motorhome body is completely designed by the motorhome converter. The driving area/cab is also designed by the converter, resulting in a smooth, straight edge look to the entire body. The driving area will generally have a windscreen that is vertical (not angled backwards like a car windscreen) and curves around the front edges of the motorhome body.
Using only the American engine manufacturer's chassis, the motorhome body is completely designed by the American motorhome converter. The driving area/cab is also designed by the converter, resulting in a smooth, straight edge look to the entire body. The driving area will generally have a windscreen that is vertical (not angled backwards like a car windscreen) and curves around the front edges of the motorhome body. American A-class vehicles are generally much larger than European builds, and in some cases can be comparable to the size of a small coach.
Keeping both the engine manufacturer's chassis and driving cab, the motorhome body is built above and behind the driving cab by the converter. This often results in a storage/sleeping area over the driving cab that can sometimes appear to "lip out" over and above the driving cab. American coachbuilt vehicles are generally much larger than European builds.
We cannot insure any self converted or self built motorhomes. This means we can only provide cover for motorhomes that have been converted professionally by a recognised motorhome converter.
You could try calling Adrian Flux on 01553 845 932 who might be able to help.
A no claim discount can give the biggest saving on our motorhome insurance. If a person is selling their car to buy a motorhome, it's possible to transfer the no claim discount from the insurance policy for that car to the motorhome policy. That said, in a lot of cases motorhomes are bought as additional vehicles, meaning there isn't a no claim discount entitlement to transfer. In these cases we take into account the driver's motor insurance claims history, driving convictions, and even experience of driving similar sized vehicles (or towing a caravan), to give an introductory no claim discount that can still give a significant saving. In return for a small premium increase, it's possible to protect no claim discount once a policyholder has reached four years earned.
Your motorhome date of registration should be detailed on the vehicle registration documents (such as the log book or 'V5C'). If you're unable to locate your motorhome's first registration date we suggest you contact the DVLA for assistance.
The DVLA have an online service that details when your motorhome was first registered. If you know your motorhome registration number and engine manufacturer, please click here and use the 'vehicle enquiry' section to find out your motorhome's first registration date.
Unfortunately, we only offer annual policies. However, a policy can be cancelled at any time (subject to cancellation charges).
You can read many more common questions on our motorhome insurance knowledgebase.Get a quote Call us 0800 14 88 400 Retrieve your quote
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More reasons to choose us
Number one for service and value
Reassuringly good cover from a leading insurer
Award winning company
Safe and secure online quotes
Confidence in a trusted family business
Highly rated claims service
Money back guarantee
Member of the National Caravan Council
Heart Research donation for every paperless policy
Plain English policy and documents
Great value for money