Motorhome Insurance FAQs

If you can’t find what you’re looking for here, please call 0330 024 0124 or click here to request a call back. Our specialist Motorhome Insurance team will be happy to help.

Our call centre is open for campervan and motorhome insurance quotes between 8.30am-6.30pm weekdays, 9am-1pm Saturdays.


As a specialist independent broker, we are ideally placed to answer your most frequently asked questions about getting a campervan or motorhome insurance quote – and the right cover for you and your vehicle.

How much does motorhome insurance cost?

There is no easy answer to this question. Many factors will influence the size of your motorhome insurance quote.

These will, of course, include the value of the vehicle, its security and storage, your annual mileage and personal details such as your age, driving history and occupation.

Whether you have claimed on a motor, motorhome or campervan insurance policy in recent years will be important. A solid no claims bonus will certainly help you get a more cheap motorhome insurance.

Average motorhome insurance quotes

In 2021 the lowest motorhome insurance quote we issued – to a happy traveller! – was just £142.

However, from our research Principal’s average motorhome insurance quotes start at a little over £240 for a vehicle valued at between £10-15,000, rising to around £300 for motorhomes and campervans worth between £20,000 and £30,000.

The average premium then rises around £30 for a vehicle valued at £35,000 and another £40 or so for those between £35,00 and £40,000.

The average motorhome insurance cost for a vehicle worth £45-50,000 weighs in at under £410, whilst those tipping the £50,000 mark cost around £450 to insure.*

But every quote is different and it’s important to make sure that you are offered cover that matches you risk profile and provides the cover you need.

The only real way to find out how much motorhome or campervan insurance will cost you, is to get a quote.

motorhome insurance quoteDo I need insure a trailer towed by my motorhome?


Trailers are not necessarily covered so if you plan to to tow you must declare this when getting your motorhome insurance quote.

You will also usually be able to secure third party only (TPO) cover a car that you tow.

This will protect against damage, injury or death caused to a third party by the car whilst being towed.

It’s important that you adhere to towing regulations, taking into account width and weight restrictions and using a type approved tow bar .

You must be able to see the road behind you. If you cannot you could receive points on your licence and a fine of up to £1,000, so make use of towing mirrors.

The rules for towing a trailer changed in December 2021. If you passed your car driving test from 1 January 1997, you’re now allowed to tow trailers up to 3,500kg MAM (the loaded vehicle weight)

You can get more information on current towing rules by clicking here.

Do I need insure bikes carried on my motorhome rack?

A motorhome or campervan insurance policy will not as standard cover bikes carried on a rack.

You should discuss optional additional bike cover when getting your motorhome insurance quote.

Can you freeze your motorhome insurance when not using it?

The short answer is ‘yes’.

However, bear in mind that if you’ve taken out a 12-month road insurance policy and decide to cancel it for, say, six months over winter, whilst you may receive a pro rata refund from your insurer, you will need pay a cancellation charge.

If you do decide to take your vehicle off the road, you will need declare it using the government’s Statutory Off Road Notification (SORN) scheme.

You may want to consider insuring a SORN motorhome against theft and fire risks. We can help here through specialist SORN motorhome insurance.

Can I drive a motorhome on my car insurance?


Motorhomes differ from cars in their use, value and other risk factors. It is important then that you take out a specialist motorhome insurance policy.

You may, though, be able to insure both a motorhome and a car (or cars) on a multi-vehicle insurance policy.

motorhome insurance quoteCan other people drive my motorhome?

You can usually add a named driver, such as your spouse or partner, to your motorhome insurance quote.

Otherwise, other legally qualified drivers can drive your motorhome with your permission.

However, they will only be covered on a third party only (TPO) basis.

This means that your vehicle and its driver would not be covered in the case of accident or theft.

What types of motorhome insurance quotes are available?

When getting a motorhome insurance quote you will usually be offered a choice of Comprehensive, Third Party Fire & Theft (TPFT) or Third Party Only (TPO) insurance. You can learn more about these by clicking here.

Most motorhome owners will likely want cover for Social, Domestic and Pleasure (SDP) use. This does what it says on the tin, covering you when you use your vehicle only for personal use.

SORN insuranceIf you want to use your motorhome for business you will need take out the appropriate level of business class insurance.

Commuting is not covered on an SDP policy so if you are using your motorhome to get and from work, make sure you secure additional cover.

If you don’t use your motorhome year round, you might want to consider officially declaring it off road using the Statutory Off Road Notification system.

Whilst your vehicle is laid up you won’t need road insurance but you might want to protect it with specialist SORN insurance. This covers your vehicle against fire and theft risks.

What is the best motorhome insurance?

There is no one simple answer to this.

The best motorhome insurance quote for you may not be the best for someone else.

When getting your motorhome or camper van insurance quote, make sure that you are being quoted for the right and best level of cover for your needs.

Check for things like the level of contents insurance provided and, if you require them, whether it includes cover for towing, bikes, breakdown, vandalism and so on.

When you compare motorhome insurance quotes, make sure you’re comparing like for like. There may be a reason why a quote looks like cheap motorhome insurance when set against other policies!

How do I get a cheap motorhome insurance quote?

Cheap is not necessarily the best option.

It’s important to make sure you buy cover that meets your needs, providing the appropriate level and type of cover that you require.

But there are ways of cutting your motorhome insurance quote down to size.

These include agreeing to limit your mileage, taking additional security and storage precautions, fitting reversing cameras and sensors, joining a recognised caravan or motorhome club (please ask us for details) and agreeing a voluntary excess (the amount you would pay towards the cost a claim).

Classic motorhome insurance also tends to be cheaper than its modern equivalent.

Of course one of the best ways of reducing your premium is to have notched up a few years’ claims-free driving experience.

Can I get a temporary motorhome insurance quote?

The standard policy term is 12 months.

We do not arrange short term motorhome or camper van insurance.

Motorhome insurance quoteCan you park a motorhome on the street in the UK?

Yes and no.

As long as your campervan or motorhome is road legal – insured, with a current MOT and in a roadworthy condition – you can park it in designated bays or on the road or street as standard parking rules or restrictions allow.

However, that does not mean that you can just park up anywhere and stay overnight.

It is illegal in the UK to “wild camp” in a motorhome or campervan. This is also the case in much of Europe.

When it comes to your insurance, it’s always wise to stick to the law. It’s possible that if you’ve parked illegally and there’s an incident or accident, this could affect your claim.

How can I get the best motorhome insurance quote from Principal?

The quickest, easiest and most convenient way to get your motorhome or campervan insurance quote is to use our online service. You can click here to quote and buy any day at any time.

Alternatively you can call us on 0330 024 0124

Our call centre is open between 8.30am and 6.30 pm weekdays and 9am to 1pm on Saturdays.

* Average motorhome insurance quotes calculated from Principal Insurance’s existing motorhome and campervan insurance policy holder base on 18.11.21.

Can’t find the answer you’re looking for? Please call 0330 024 0124 or click here to request a call back.

Our specialist Motorhome Insurance team will be happy to help.

Our call centre is open for campervan and motorhome insurance quotes between 8.30am-6.30pm weekdays, 9am-1pm Saturdays.





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