Start your journey with specialist insurance for motorhomes & campervans
Motorhome insurance can help give you confidence that your motorhome or campervan has the expert cover it needs. Through Ripe, you can cover your motorhome or campervan, including campervan conversions, so you can focus on exploring the UK and beyond in your vehicle.
Motorhome and campervan insurance through Ripe has been designed to make getting the protection you need quick, easy, and at a price we think you’ll love. There are no lengthy phone calls or paperwork to slow you down—in fact, you can get a quick quote online in minutes. We aim to get you financially protected with quality cover, quickly and easily, leaving you free to start your next adventure.
Why choose Ripe for motorhome & campervan insurance?
European Cover
Extended cover to include travel to a range of countries across continental Europe for up to 90 days in one trip or 180 days in the year. Includes European Breakdown Cover.
Simplicity is the key
We’ve made sure everything’s taken care of, with automatic checks including driving licence 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 and self-build conversions too.
What does motorhome & campervan insurance cover?
Motorhome & campervan insurance
- Public Liability cover - unlimited cover for death or injury caused to a third party. Up to £20m for third-party property damage, up to £5m for legal costs
- Theft, accidental damage, fire, and flood cover
- Equipment and accessories
- New-for-old cover - for a vehicle that is new, less than 2 years old and has fewer than 12,000 miles, up to £120k in value
- Emergency accommodation cover - hotel or replacement vehicle hire
For the full list of what's covered, view our important documents page.
- Enhanced windscreen cover
- Personal accident - serious injury or death following an accident
- Continental Europe - up to 90 days travel in one trip or 180 days in the year
- Legal expenses - covers legal costs and expenses for personal injury, uninsured loss recovery, property infringement, property damage and identity fraud. You will also have access to a 24/7 legal advice helpline
- Key cover - loss, damage or theft up to £1.5k
- Commuting use (Campervans only) – covers commuting to and from your place of work
- Breakdown cover
- Carrying more than 8 passengers
- Claims made when renting out your motorhome or campervan
- Can't be primary residence or slept in for more than 9 months of the year
- Motorhome or campervan being used for business
- Claims where driver does not have a license or is disqualified
Do I need motorhome or campervan insurance?
If you drive or park your motorhome or campervan on public roads in the UK, having at least third-party motorhome insurance is a legal requirement. This works in much the same way as standard car insurance.
Keep your motorhome or campervan off the road? You don’t legally need insurance, but you must register a Statutory Off Road Notification (SORN) through the DVLA. But you may want to consider motorhome insurance for financial protection if it’s damaged or stolen while stored off-road.
Motorhome and campervan insurance through Ripe includes up to £20m third-party cover for property damage, £5m for legal costs, and financial protection for theft, accidental damage, equipment and more.
How much does motorhome & campervan insurance cost?
The cost of your motorhome or campervan insurance can vary depending on various factors, such as:
- the monetary value and age of your vehicle
- your no claims bonus
- where you live
- your annual mileage
- whether you have any additional drivers on your policy
- what security measures you have in place
- personal circumstances such as your driving experience and age
The quickest way to check how much your motorhome or campervan insurance could cost through Ripe is to get a free online quote.
Meet our motorhome insurance expert
“Additional security measures can help make your motorhome insurance cheaper. Fitting wheel clamps, alarms, trackers and other security devices can help bring your insurance costs down.”
Watch Mel's podcast episode with Motorhome Matt: choosing motorhome insurance: claims, cost, and cover explained.
Mel Savage
Head of Underwriting Operations
European motorhome insurance cover
Enjoy road trips abroad with European cover
Taking life on the road abroad? Perhaps you’re planning a Portugal road trip or wondering what food to take to France in your motorhome. With specialist motorhome and campervan insurance through Ripe, you can add European cover to your policy—giving you up to 90 days travel in a single trip, or 180 days across the year, in Continental Europe.
And if your policy includes European motorhome insurance, you can also add European breakdown cover—so if you break down abroad, you’ll get roadside help for up to an hour or a tow to the nearest repairer.
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Can I drive a motorhome or a campervan using my car insurance?
Some motorhomes or campervans can be covered under car insurance if they are quite small. However, the vast majority of insurers will require you to take out specialist motorhome insurance. Contact your car insurance provider if you require more information.
Does my home contents insurance cover items in my motorhome or campervan?
If you have out-of-home cover included in your contents insurance, then some items will be insured while inside your motorhome or campervan. However, this does not apply to everything and won’t usually cover items that are in your motorhome or campervan full-time (e.g., TVs, dishes and plates, etc.). You may want to consider specialist motorhome insurance to financially protect contents used specifically for your trips.
Do I need a special licence to drive a motorhome or campervan?
The type of licence you need to drive a motorhome or campervan depends on the weight of the vehicle and when you obtained your driving licence. You can learn more in our full guide, do I need a special licence to drive a campervan or motorhome?
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.
Motorhomes and campervans are both designed for travelling and living in, but there are a few key differences that set them apart:
- Size and structure – motorhomes are typically larger and built on a truck or bus chassis
- Living space – motorhomes often have clearly defined areas for driving, sleeping, cooking, and washing. Campervans tend to be a lot smaller and have very basic, multi-use spaces.
- Facilities – motorhomes usually include permanent fixtures like kitchens and bathrooms, while campervans may have portable or minimal facilities.
- Driving experience – Campervans are easier to manoeuvre and park, making them ideal for shorter or more frequent trips. Motorhomes are better suited for longer journeys.
Whichever type of motorhome or campervan you choose, taking out motorhome insurance or campervan insurance can help financially protect your vehicle and its contents while you’re on the road.
Does this motorhome insurance cover me during crashes?
To be financially protected by your motorhome or campervan 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 if your vehicle is written off. However, cover can vary, so make sure you check your policy documents carefully.
How do I estimate my mileage for motorhome insurance?
If you drive your motorhome or campervan regularly, you can simply take the typical number of miles you drive in a week and multiply by 52 to get your annual mileage. If you use your motorhome or campervan for occasional longer trips, you will have to figure out the distance in miles you will be travelling for each planned trip. Apps like Google Maps can be helpful for figuring out the estimated mileage of each journey.
Can I get European breakdown cover?
Yes, if you have European Cover on your motorhome insurance policy, you can also get European breakdown cover as part of this. If your motorhome suffers a breakdown in Europe, you'll be covered for up to one hour of labour costs at the roadside, or to take the vehicle to the nearest available repairer. For more information, see our Motor Breakdown Insurance Booklet.
Motorhome Insurance Booklet (PDF 265 KB)
