Motorhome insurance

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).

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: A-class, coachbuilt, derived or panel van, American A-class (sometimes referred to as “RVs”), and American coachbuilt. We have a short video to help you.

A-class
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.

Coachbuilt
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 the driving cab.

Derived van
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 windows, elevating roof, etc.

American A-class
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.

American coachbuilt
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 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.

No claim discount can give the biggest saving on our motorhome insurance. If a person is selling their car to buy a motorhome it is 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 is no 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 is possible to protect no claim discount once a policyholder has reached four years earned no claim discount.

Your motorhome date of registration should be detailed on the vehicle registration documents (such as the log book or ‘V5C’). If you are 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 but a policy can be cancelled at any time, subject to cancellation charges.