What is Motorhome Insurance?
Motorhome Insurance is a type of cover that’s designed for motorhomes and recreational vehicles (RVs). Unlike Caravan Insurance, Motorhome Insurance is a legal requirement because motorhomes are classed as vehicles, like cars and vans.
Your Safeguard motorhome policy can also cover things like awnings and personal possessions so you can take to the road safely in the knowledge that you’re fully protected under one plan.
What’s the difference between Motorhome and Campervan Insurance?
The main difference between Motorhome and Campervan Insurance is that campervans are typically smaller than motorhomes. This can sometimes make a difference in the rating an insurer provides for your vehicle. For example, one insurer may rate the vehicle on its size or dimensions, while another bases their rating purely on engine size. This may, in turn, make a difference to the price you’re quoted.
There is no difference in the cover or benefits provided by Safeguard whether you’re insuring a campervan or a motorhome.
How much does Motorhome Insurance cost?
The cost of motorhome Insurance in the UK is reflected by the insurer you choose and the type of insurance you’re looking for. Your quote also depends on a variety of factors, including:
The age and model of the vehicle
Where it’s stored when not in use
The named driver or drivers
Your claims history
Your No Claims Bonus
You’ll always get quotes tailored to your needs when you choose Safeguard UK to help ensure you don’t pay more than you need to get the coverage you want.
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What does Motorhome Insurance cover?
Safeguard Motorhome Insurance is underwritten by Highway Insurance (part of Liverpool Victoria) or AXA and covers you for the following:
Motorhome breakdown cover - You’ll get UK and European breakdown cover from the AA included in your policy (available for motorhomes less than 20 years old).
Windscreen repair - Unlimited windscreen and body glass replacement cover (Minimum £100 fixed excess applies for replacement, but not for repair).
European cover - Your policy will cover you on any EU road trips, 365 days a year.
Personal contents cover - Personal belongings (up to a total of £3,000) are covered for fire, theft and accidental damage.
Why choose Safeguard UK?
- Over 30 years insuring — Our extensive experience in caravan insurance means we understand what’s important to our customers.
- Specialist insurer — At Safeguard, we specialise in insuring caravans and motorhomes, so you’ll get expert help finding the right policy for you.
- Overall Safeguard Insurance Trustpilot rated 'Excellent' (4.8 stars) - based on 1,362 reviews as of January 2022.
Types of motorhome we cover
At Safeguard, we work with a variety of insurers so that you can get the insurance you need no matter what kind of motorhome you own.
Here are the types of motorhome that we can typically insure:
Classic motorhomes - Enjoy the quintessential British motorhome experience with classic Motorhome Insurance from Safeguard. We can cover a range of classic models, with breakdown cover available on all up to 20 years old.
Campervans - From quirky conversions to vintage Volkswagens, we understand how much your campervan means to you. That’s why at Safeguard, we work to find insurance quotes that give you full coverage should anything go wrong.
American RVs - American-style recreational vehicles (RVs) are becoming increasingly popular in the UK thanks to their wealth of interior space and next-level amenities. At Safeguard, our Motorhome Insurance policies can cover even the most luxurious RVs, freeing you to take to the open road in style.
Getting a quote with Safeguard
Getting a quote for your Motorhome Insurance is easy with Safeguard UK. You can get a quote online in minutes with our simple three-step process:
Tell us a bit about you
We’ll ask for some details like your name, date of birth, and contact details. We’ll also ask whether you’ve made any claims in the last few years.
Tell us about your motorhome
We need to know as much about your motorhome as we can to find a suitable quote for your needs. We’ll ask for things like your motorhome’s make and model, as well as how it’s being used, and what kind of security features it has.
Tell us what cover you need
Tailor your policy by telling us what level of cover you need. That way, you’ll be compensated accurately should anything happen to it while you’re covered under a Safeguard policy.
How to reduce the cost of Motorhome Insurance
There are several things that you can do now which could reduce the amount you pay for your Motorhome Insurance in the future.
Install additional security measures — Motorhomes that are fitted with security features like burglar alarms and tracking systems are at lower risk than motorhomes that aren’t. Installing security measures could help you get a cheaper quote with many insurers.
Store in a safe location — Keeping your motorhome somewhere safe when it’s not in use can help reduce the price you pay for insurance. Locked garages are typically the safest places to store your motorhome.
Reduce your mileage — The fewer miles you travel with your motorhome each year, the cheaper your insurance is likely to be. Keeping your mileage low means you’re at less risk of being in an accident, making it easier for insurers to offer you a cheaper quote.
Can I insure my motorhome for travelling abroad
Safeguard includes UK and European breakdown cover from the AA (for motorhomes less than 20 years old) and EU cover is included as standard for any EU road trips, 365 days a year. This includes providing roadside assistance, towage and garage repairs up to the value of £250 for motorhomes up to 3.5 tonnes (3,500 kg), and up to the value of £2,000 for vehicles above 3.5 tonnes.
Safeguard insurer partners can also provide emergency accommodation and alternative travel arrangements if the vehicle cannot be repaired in your destination country. (All subject to terms and conditions as set out in the Motorhome Insurance policy documentation).
Can I accrue No Claims Bonus with my Motorhome Insurance?
Yes, you can accrue No Claims Bonus with your Safeguard Motorhome Insurance policy, subject to approval by your new insurer. This can sometimes then be transferred to other Motor Insurance policies if required. However, you should note that the majority of our insurers do not accept motorhome No Claims Bonuses.
Safeguard may also provide a mirrored discount to customers who are not transferring earned NCB to the motorhome and have NCB in their name currently on a private or company car – this is subject to claims history of course.