Looking for cheap motorhome insurance that is budget-friendly? You’ve come to the right place. Did you know that the same driver can be charged £100 per month by one car insurance company and £255 by another?
This means that your motorhome insurance UK costs may consume a larger portion of your monthly budget. Shopping around for a lower rate may help you reduce your bill and keep more money in your wallet.
Switching providers may save you money; however, keep in mind your state’s minimum coverage requirements. While low-cost policies are available, it is critical to strike a balance between cost savings and adequate coverage. If you have an accident, for example, you may end up paying more than you would if you had better, more expensive coverage.
This article will provide you with the best motorhome insurance companies to choose from if you want to reduce your insurance bill.
What is motorhome insurance?
Before we define what motorhome insurance entails, let’s first define what a motorhome is. A motorhome is a self-propelled recreational vehicle that has many of the comforts of home, similar to a living trailer. It will have a kitchen, beds, plenty of storage, bathroom facilities, and a driving cab with a driver and passenger seat in the front.
Depending on the size of the vehicle, a motorhome typically has additional space and facilities for two to eight people.
The term motorhome is widely used in the United States and the United Kingdom, but it may also be referred to as a motor caravan or a motor home on occasion.
People frequently confuse recreational vehicles and motorhomes, but the recreational vehicle (RV) is a broad term that includes camper vans, caravans, and camper trailers.
Motorhome insurance
Motorhome insurance protects you if you cause injuries or damages to others, and it can also cover the cost of vehicle damage if a covered incident occurs. You can select from a variety of coverage options, which will vary depending on whether you use your vehicle recreationally or as a full-time residence.
Coverages will also differ depending on how the vehicle is used — for example, if you’re driving a motorhome, you’ll need separate liability coverage to stay on the road, whereas if you’re towing a travel trailer, you won’t need separate liability insurance because it’s transferred from your auto insurance policy while towing your travel trailer.
How does motorhome insurance work?
If you damage your motorhome or injure someone else (or their property), you can file a claim with your insurance company. Depending on the circumstances, your insurer may pay for losses or injuries up to the limit of your coverage.
There are some distinctions between motorhome insurance and standard auto insurance. When you purchase motorcycle insurance, your insurer or agent will ask you a few simple questions about yourself, your motorcycle, and how frequently you use it.
You will then choose the coverages that will best protect you and your vehicle. Liability, collision, comprehensive, uninsured/underinsured motorist, and even RV towing insurance are available. More coverage usually means a higher insurance premium.
What does motorhome insurance cover?
How you use your motorhome insurance policy will determine the most important aspects of it. If you only use it as a true recreational vehicle on occasion, your premium may be much lower than if you live in the RV full-time.
Also, it is important to note that liability will be covered by your auto policy if your motorhome is a travel trailer towed by another vehicle.
Most RV and motorized home policies include the following standard coverages:
- Physical damage coverage
- Bodily injury and property damage liability
- Uninsured/underinsured property damage and bodily injury
- Medical payments
- Pest Protection
Physical damage coverage
Cheap motorhome insurance comprehensive coverage protects your motorhome against theft, vandalism, windshield damage, acts of nature, rocks and debris kicked up by other vehicles, and collisions with animals. Collision insurance covers damage to your motor home caused by an accident, regardless of who is at fault. A deductible is included in both types of coverage.
Bodily injury and property damage liability
In most states, this is the only coverage required for motorhomes. This coverage pays for any damage or injuries you cause while driving your motorhome, as well as any legal fees incurred as a result of the accident. Liability coverage is not required for travel trailers because it is provided by the vehicle towing the trailer.
Uninsured/underinsured property damage and bodily injury
If your motorhome is hit and damaged by a driver who isn’t carrying insurance or doesn’t have enough to cover the damage, uninsured/underinsured motorist property damage coverage may pay to repair or replace it (up to the limits of your policy) as well as for injuries you sustain. Because they are not motorized vehicles, travel trailers do not require this coverage.
Medical payments
If you are in an accident, medical bills up to the limits you specify may be covered for you and your passengers, regardless of fault. Travel trailer policies are exempt from coverage.
Pest Protection
Some motor insurers, provide coverage for damage caused by insects, birds, rats, and other rodents and vermin to motorhomes and non-stationary travel trailers. A deductible is usually required, and older vehicles may not be covered.
What impacts the cost of motorhome insurance?
The cost of motorhome insurance in the UK is determined by the insurer and the type of insurance you seek. Your quote is also affected by a number of factors, including:
- your age
- where you live
- your driving history (claims you’ve made, points on your driving licence, your no claims bonus and so on)
- what level of cover you want
- what motorhome do you have (its value, make, model and age)
- how many miles do you do in your motorhome each year
- how many years of experience do you have of driving a motorhome
- whether you’re adding other named drivers to your policy
- whether you have access to other vehicles
When you choose cheap motorhome insurance in the UK that is budget-friendly, you will always receive quotes that are tailored to your specific needs, ensuring that you do not pay more than is necessary to obtain the coverage you require.
Best cheap motorhome insurance
Here are the best cheap motorhome insurance companies in the UK, so if you want to insure your RV with the cheapest motorhome insurance, pick one of the following:
- Safeguard motorhome insurance
- Adrian Flux Insurance
- Comfort Insurance
- Saga Plus Motorhome Insurance
Safeguard motorhome insurance
Safeguard is a trading name of Atlanta Insurance Intermediaries Limited which provides high value motorhome insurance. Authorised and Regulated by the Financial Conduct Authority under firm reference number 309599.
The company provides a range of insurance products to suit the needs of caravanners and motorhomes throughout the UK.
Also, safeguard motorhome insurance has a national presence and a high rate of insurance claim satisfaction. In comparison to the national average and its competitors, the company is less expensive.
Get a quote here.
Adrian Flux Insurance
Adrian Flux motorhome Insurance is a high value motorhome insurance provider of vehicle insurance in the UK offering the best cheap motorhome insurance quotes in the UK.
This motorhome insurer understands that owning a motorhome is about a lifestyle, at least as much as it is about the vehicle, and our cover takes this into account. You will find all of their policies include a free green card for European travel, with some schemes even allowing trips of up to 365 days at a time. Also, they offer discounts of up to 15% if you belong to a recognised forum or owners club.
Whether you bought your motorhome as a practical way to take a holiday or simply to have fun weekends, Adrian Flux motorhome Insurance company understand the key features that camper owners need from a motor home insurance policy.
Get a quote here.
Comfort Insurance
With over 30 years of experience in the provision of motorhome insurance and with a wealth of awards under its belt, comfort Insurance pride itself on offering a high value motorhome insurance cover your money can buy – at a cheap rate, this makes the company be one of the best cheap motorhome insurance company the UK.
At Comfort Insurance, the company know that keeping your motorhome on the road is of utmost importance and their policies have been designed to ensure just that.
Also, the company’s partnership with Aviva, along with their expert knowledge of the camping and leisure industry, enables them to provide a high value motorhome insurance cover at a price that makes sense.
Saga Plus Motorhome Insurance
Saga Plus Motorhome Insurance provides high value motorhome insurance services to Rv owners in the UK. This company gives you the peace of mind that should something happen while touring, you’ve got the necessary cover in place.
Acromas Insurance Company Limited underwrites Saga Motorhome Insurance. It’s a one-of-a-kind product that is created by the company specifically for its customers.
Get a quote here.
FAQs about cheap motorhome insurance
How can i get the Cheapest motorhome Insurance Quotes?
You can get the cheapest home insurance quotes by doing the following:
- Shop Around
- Ask for Discounts
- Decrease Your Limits
- Increase Your Deductible
- Understand State Requirements
- Improve Credit Rating…
How Much Does best motorhome Insurance Cost?
The answer will be heavily influenced by the coverage you select for your motorhome. Also, Insurance companies, like regular car insurance companies, will consider a variety of factors when quoting you a premium.
What can you do with a motorhome?
The most obvious reason for purchasing a motorhome is to spend vacation time with family and friends.
