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. You may want to consider specialist motorhome insurance to financially protect contents used specifically for your trips.

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

Motorhomes have permanent fixtures and clearly defined areas for driving and living. Campervans are usually smaller with more basic, multi-use spaces. Motorhomes are typically built on larger chassis with dedicated living areas, while campervans are easier to manoeuvre and better suited to shorter trips.

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 may also include arrangements to get you, your motorhome and your possessions home if your vehicle is written off. Cover varies, so always check your policy documents.

How do I estimate my mileage for motorhome insurance?

If you drive your motorhome or campervan regularly, you can multiply your typical weekly mileage by 52. For occasional longer trips, calculate the mileage for each planned journey. Tools like Google Maps can help estimate journey distances.

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Q: 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 on whether you need a special licence to drive a campervan or motorhome.