Motorhome Insurance

Comprehensive Motorhome Insurance with Safeguard

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.

 

What our customers say...

 

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 breakdown cover - Your policy will cover you for breakdowns 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?

At Safeguard, we have over 30 years’ experience in selling Motorhome and Campervan Insurance so we look forward to helping our customers find the right insurance for their needs.

Better still, you’ll get access to the following when you choose Safeguard:

  • Claims helpline - Get help whenever you need it with our 24-hours claims helpline.

  • DNA+ kit - Deter thieves with a free DNA + kit worth £45 when you take out a policy with Safeguard.

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:

Get a quote online or call us today

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.

  1. 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.

  2. 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.

  3. 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.

How old do I need to be to insure a motorhome?

The current minimum age for insuring a motorhome with Safeguard is 21 and the maximum age for new customers is 79. Once you’re insured with Safeguard, there's no upper limit for renewal. Other insurers may only insure drivers over the age of 25.

Do I need a special licence to drive a motorhome?

Anyone with a full UK driving licence can drive a motorhome up to 3.5 tonnes (3,500kg). In order to drive a motorhome over 3.5 tonnes, the driver must have passed their test before 1st January 1997 and is, therefore, able to drive a vehicle up to 7.5 tonnes (7,500kg). If the driver passed their test after 1st January 1997, a special test would need to be taken to enable them to drive this weight of motorhome – the same applies to anyone wishing to drive a vehicle over 7.5 tonnes.

Can I suspend my Motorhome Insurance over winter?

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.

Can I buy short-term Motorhome Insurance?

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.

Can you insure self-build campervans?

You cannot currently insure a self-build campervan with Safeguard.

Is Motorhome Insurance a legal requirement?

Yes. A motorhome is classed as a vehicle, so it is mandatory that you insure it.

Can I add an additional driver to my Motorhome Insurance policy?

Yes - with Safeguard, you can add an additional driver to your Motorhome Insurance policy.

 

Useful guides

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How to claim

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