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Flexible Motorhome Insurance that sets you free

Protection for your open road adventures

  • Build your own policy
  • Discount available
  • UK customer service team
  • Underwritten by ERS

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Why should I consider motorhome insurance?

Unlock freedom and leave the everyday behind.

Take to the open road whenever the mood takes you, with the confidence that your motorhome has the expert cover it needs.

Our insurance has been designed specifically to make getting the protection you need quick, easy, and at a price we think you’ll love. No unnecessary long phone calls or paperwork to slow you down – in fact you can get a quote online in less than a minute. Our aim is to get you protected with the cover you need as soon as possible, leaving you free to start your next adventure.

Why choose Ripe for motorhome insurance?

The freedom of flexible cover

The flexibility of our insurance gives you the freedom to choose your cover options and only ever pay for what you need.

Simplicity is the key

We’ve made sure everything’s taken care of, with automatic checks including driving license validation and claims experience, resulting in a speedy online quote and buy process.

Conversions covered

If you’ve been creative and made your home on wheels your own, cover can be provided for DIY conversions too.

What is motorhome insurance?

Motorhome insurance is financial protection that covers you when your motorhome is parked up or on the road. A policy can include cover for traffic accidents, theft, or personal injury for you and your passengers.

How much does motorhome insurance cost?

The cost of motorhome insurance can depend on several factors. These can include:
  • The age and price of your motorhome
  • Personal circumstances (e.g., age, driving experience)
  • No claims bonus
  • Security measures (e.g., garage, alarms)
  • The area you live in
  • Additional drivers
  • Annual mileage

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Our cover
Important documents
Why choose us?
FAQs

What does motorhome insurance cover?

What's covered

  • Public Liability cover
    Unlimited cover for death or injury caused to a third party. £20m cover for damage caused to someone else’s property. £5m cover for legal costs
  • Theft, accidental damage, fire, and flood cover
  • Equipment and accessories
    Cover for additional items for your motorhome (e.g. awnings, utensils, camping equipment, etc.)

  • New-for-old cover
    Cover applies if your motorhome is bought new, less than 2 years old, and has done fewer than 12,000 miles

  • Emergency accommodation cover
    Covers cost of hotel accommodation or replacement vehicle hire if your motorhome is stolen, damaged, or uninhabitable and you’re more than 50 miles from home

What's not covered

  • Carrying more than 8 passengers

  • Claims made when renting out your motorhome

  • Can’t be primary residence
    Motorhome also can’t be slept in for more than 9 months of the year
  • Motorhome being used for business

  • Claims where driver does not have a license or is disqualified

What's optional

  • Enhanced windscreen cover

  • Personal accident
    Cover for serious injury or death following an accident in the motorhome
  • Continental Europe
    Extended cover to include travel to a range of European countries for up to 90 days in one trip or 180 days in the year
  • Legal expenses
    Legal costs or expenses to assist recovery of uninsured items relating to personal injury or damage
  • Key cover
    Following damage or theft, up to £1,500 to replace keys and locks
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How can I make my motorhome insurance cheaper?

There are several things you can do to make your motorhome cover cheaper:
  • Parking 
    • If you can, try and keep your motorhome on a driveway, in a garage or in a secure car park
  • Security 
    • Fitting wheel clamps, alarms, trackers and other security devices can help bring your insurance cost down
  • Qualifications 
    • You could potentially save money on your insurance if you have an advanced driving qualification

What details do I need when getting a
motorhome insurance quote?

In order to get a motorhome insurance quote quickly and easily, make sure you have the following information to hand:
  • Your motorhome
    • You will need to know the make, model, and age of your motorhome. You will also need to know its current value, estimated mileage, what fuel it uses and where you keep it
  • Your license
    • Details on the type of driving licence you have and how long you have had it
  • Your details 
    • This will include your name, age, and address. You will also need to know your claims history and the details of any other named drivers you want included in your policy

Get road trip ready with specialist campervan insurance

Set off on your next adventure knowing you've got the protection you need for your campervan.

Find out more

The Motorhome Master Guides

Download our FREE guide: 'Buying a Motorhome on a Budget.' now and embark on the journey of a lifetime without breaking the bank. Whether you're a budget-conscious explorer or simply looking to make a smart investment, this guide is your ultimate companion in the world of motorhomes.

Download now

Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

Why choose us?

  • Specialists at your side

Not only are we insurance specialists, but should you need to make a claim, you can be confident it will be handled by a team of motorhome and campervan specialists at ERS.

  • We’ve got lots of happy campers!

Ripe is rated Excellent on Trustpilot and we’ve also got over 320,000 customers who choose us for their insurance.

  • Only a call away

Feel comforted knowing that if you need us at some point on your journey, our UK based team are only ever a quick call away.

  • Save on price not quality

As well as getting flexible and specialist cover, there are also discounts available to help protect your pocket too!

Find out more

Frequently Asked Questions
  • What is a motorhome?

    • A motorhome is a vehicle that can be used for both transport and accommodation. They come in a variety of sizes, from large A-class models to smaller models, such as micro motorhomes or campervans.

    Do I need motorhome insurance?

    • Yes. It’s a legal requirement that you have insurance if you own a motorhome.

    Can I drive a motorhome using my car insurance?

    • Some motorhomes can be covered under car insurance if they are quite small. However, the vast majority of insurers will require you to take out specialist insurance. Contact your car insurance provider if you require more information.

    Is motorhome insurance a legal requirement?

    • Motorhome insurance is a legal requirement if you drive your motorhome on public roads. If you keep your motorhome off the road permanently, then you can apply to the government for the insurance to be waived. However, you will still need to purchase insurance in the future if you take your motorhome onto public roads.

    Do I need a special license to drive a motorhome?

    • The type of license you need to drive a motorhome depends on the weight of the vehicle and when you obtained your driving licence.

      If you passed your driving test before 1st January 1997, then you will be able to drive the vast majority of motorhomes without a special license. However, if you passed after 1st January 1997, you can only drive vehicles that weigh up to 3,500kg with a trailer weighing a maximum of 750kg.

      If your license is not valid to drive your motorhome, then you need to obtain an entry-level HGV license.

    Does my home contents insurance cover items in my motorhome?

    • If you have out-of-home cover included in your contents insurance, then some items will be insured while inside your motorhome. However, this does not apply to everything and won’t usually cover items that are in your motorhome full-time (e.g., TVs, dishes and plates, etc.)

    What’s the difference between a motorhome and a campervan?

    • Motorhomes have permanent fixtures and clearly defined areas for driving and living. On the other hand, campervans tend to have very basic facilities and are a lot smaller.

    How would I be covered if I crashed my motorhome?

    • To be protected by your insurance in the event of an accident, you will need comprehensive cover. This cover could also include arrangements to get you, your motorhome and your possessions home is your vehicle is written off. However, cover can vary, so make sure you check your policy documents carefully.

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