Motorhome Insurance from as little as £473
10% of new customers paid £473 for Motorhome Insurance, between 1st December 2024 and 31st March 2025. Excludes optional extras and premium finance.
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 Motorhome policy through Safeguard can also cover things like awnings and personal contents so you can take to the road safe in the knowledge that you’re 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 depends on 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
Why not get a quote to see if we can offer a policy that suits your needs?
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What does Motorhome Insurance cover?
Safeguard works with a variety of insurers. Depending on the details of your policy, Safeguard Motorhome Insurance may include:
Motorhome Breakdown Cover - You’ll get UK and European breakdown cover from the AA included in your policy.
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 consider Safeguard?
- Over 30 years brokering — Our extensive experience in caravan insurance means we understand what’s important to our customers.
- Specialist broker — At Safeguard, we specialise in insuring caravans and motorhomes and aim to try and help you find the right policy.
Types of motorhome we cover
At Safeguard, we work with a range of insurers and will work hard to try and help you get the insurance you need on a variety of motorhomes.
Here are the types of motorhome that we can typically insure:
Classic motorhomes - Enjoy the quintessential British motorhome experience with classic Motorhome Insurance through Safeguard. We can cover a range of classic models, with breakdown cover available.
Campervans - From quirky conversions to vintage Volkswagens, we understand how much your campervan means to you. That’s why at Safeguard, we work to try and find insurance quotes that give you coverage should things 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. Motorhome Insurance policies through Safeguard can cover even the most luxurious RVs, freeing you to take to the open road in style.
Getting a quote through Safeguard
Getting a quote for your Motorhome Insurance is easy through Safeguard. You can get a quote online 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 try 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.
Get a quote online or call us today
How might I reduce the cost of Motorhome Insurance?
There are several things that you can do now which could potentially reduce the amount you pay for your Motorhome Insurance in the future.
Install additional security measures — Motorhomes that are fitted with security features like tracking systems are at lower risk than motorhomes that aren’t. Installing security measures could help you get a lower 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 less 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 lower quote. Your mileage estimate should be as precise as possible. Check your MOT certificate for accuracy.
Safeguard includes UK and European breakdown cover from the AA 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).
Yes, you can accrue No Claims Bonus with your Safeguard Motorhome Insurance policy, subject to approval by your insurer.
Safeguard may also provide a mirrored bonus 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.
The current minimum age for insuring a motorhome through Safeguard is 21 and, with most of our providers, the maximum age for new customers is 79. If you’re above 79, please give us a call as we may be able to provide cover for policyholders up to the age of 99. Once you’re insured through Safeguard, there's no upper limit for renewal.
You must hold the correct license to drive a motorhome, and your vehicle must adhere to UK size limits.
Your age and your vehicle’s maximum authorised mass (MAM) will determine which license you will need to drive your motorhome. Find out more about license requirements for motorhomes on the Government’s website.
Unfortunately, Safeguard Motorhome Insurance cannot be suspended over the winter months. Motorhome Insurance is a legal requirement and, even though the vehicle may not be in use, it's still important that your motorhome is insured for risks such as storm damage, fire, and theft.
Safeguard doesn't offer a short term or temporary Motorhome Insurance policy. Our Motorhome Insurance policy is valid for 12 months so you can take off in your motorhome at any time throughout the year knowing that you'll be covered.
Give us a call to provide some details and we’ll look into the possibility of providing an insurance quote for your self-build campervan.
Yes. A motorhome is classed as a vehicle, so it is mandatory that you insure it.
Yes - with Safeguard, you can add an additional driver to your Motorhome Insurance policy.
Other products we offer
Caravan Insurance
Protect your static or touring caravan, and also the memories that come with it. With Caravan Insurance through Safeguard, you can get cover for weather damage, Contents Insurance, public liability cover, EU cover for touring caravans, and much more.
Home Insurance
There's the home you take on the road, and there's the home you come back to from your adventurous road trips or cosy staycations. At Safeguard, we understand that whatever home looks like, it's important to protect it - browse our cover and optional extras and get a quote today.
Park Home Insurance
While similar to standard Home and Contents Insurance, our Park Home Insurance policies are specifically designed for legislation relating to detached, bungalow-style homes built on pitches.
Learn more about Park Home Insurance
