What is motorhome insurance?
Motorhome insurance covers you in the event something happens to it. Like other vehicles, you’ll need to make sure your motorhome is insured before you use it on public roads. A comprehensive policy tends to cover a number of occurrences, including:
- Fire damage
- Theft
- Vandalism
- Damage or injury caused by an accident
Get a Motorhome Insurance Quote
What kind of cover do I need for my motorhome?
There are three types of cover you can get for your motorhome: fully comprehensive, third party including fire and theft, and third party only cover.
Third party only cover is the minimum cover you’ll need to take out by law. It only covers damage to other people, their vehicle, or their property in the event of an incident.
Third party, fire and theft cover includes everything in third party only cover, plus protection for your vehicle against fire and theft.
Fully comprehensive cover is the highest level of protection for your vehicle. It provides cover if your vehicle gets stolen or is damaged in an accident, regardless of who is at fault, or by vandalism, attempted theft or fire.
Is motorhome contents insurance included?
If you need cover for your personal belongings, electronic devices, or hobby equipment, we offer personal possession and gadget cover.
Extra Benefits
Courtesy Motorhome
Courtesy Motorhome
No one likes to have an accident, and having one in your motorhome whilst on a trip, is even worse.
A lot of policies will include a vehicle while yours is being repaired if you have comprehensive cover, but what if you write your vehicle off – or it’s stolen or has a fire, or if you only have third party, fire and theft cover? Many people don’t realise in those situations a courtesy car isn’t available.
At Adrian Flux we offer you a hire vehicle in the unfortunate event that this happens. This easy add-on to your policy ensures your travels don’t need to end abruptly, and gives you peace of mind when on the road.
Just ask one of our team about how we can help you add one to your Adrian Flux motor policy.
Travel Insurance
Flexible Travel Insurance
Whether you’re lounging on the beach or hitting the slopes, having the right travel insurance can mean the difference between the holiday of a lifetime and a financial headache.
Providing up to £5,000 if your trip is cancelled or cut short, up to £15million medical expenses, £250 money and document cover, £2,000 baggage cover, and £2million personal liability insurance, you’ll be fully covered, no matter what happens.
Click find out more to get more information, or speak to a member of our team today to get your quote.
SORN & Build Up Cover
Laid-up Insurance, SORN Insurance and Build-up Cover
Even when your car is unused and parked in a garage, it can be damaged by accident or by fire and can even be targeted by thieves and criminals. To help keep your motor intact while you aren’t using it, we can offer laid-up insurance.
From kit cars being built to SORN insurance, cars laid-up in need of repairing, to ones you only use seasonally – whatever your reason for keeping a vehicle off the road, we can find you cover.
We are also able to offer insurance for cars that won’t be used on the road, but aren’t laid-up. We have policies available for track cars, show cars and even purely off-road cars (vehicle must have a unique identification number, such as a chassis or engine number); as long as you won’t be driving on the road you could get discounted insurance to help cover your motoring hobbies.
Personal Possessions
Personal Possessions Insurance
No matter how careful you are, ensuring your personal possessions are safe in your vehicle, can be trickier than you may think.
There’s always a risk of theft from your vehicle, no matter how well you hide items in your boot or glovebox. That’s why personal possessions cover is vital.
Adrian Flux’s personal possessions insurance is specifically designed to protect your items, whether that’s gadgets, sports/hobby equipment or camping gear left in your car, van, camper or caravan.
Our policy covers your personal effects in a car, van, camper or caravan up to £1,000 and a low excess of only £50 – providing insurance for a wide range of personal effects against fire and lightning damage, malicious damage, storm and flood and theft from a locked vehicle.
Get a Motorhome Insurance Quote
Am I covered to travel abroad?
When you drive your motorhome abroad, you’ll also want to make sure that you’re covered when you travel in different countries. At Adrian Flux, our motorhome insurance policies include UK and EU cover as standard for up to 180 days at a time. We have options for more if time abroad is required and can cover some non-EU countries too.
How much is motorhome insurance?
Motorhome insurance doesn’t have to be expensive. We have a range of options available depending on your needs, from temporary motorhome insurance that covers you on a short holiday to policies that protect your vehicle all year around.
The cost or your cover will depend on a number of factors, including:
- How much your motorhome is worth
- The vehicle’s age
- Where you store it
- If your vehicle has additional security features
- How many drivers are on your policy
- How long you’ve held your driving licence
- Any no claims bonus you’ve built up
- Your claims history and points on your licence
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Why choose Adrian Flux for motorhome insurance?
We understand that owning a motorhome is just as much a lifestyle as it is about the vehicle, and our cover takes this into account. Our motorhome insurance provides peace of mind with:
- Discounts of up to 15% if you belong to a recognised forum or owners club
- Insurance for drivers aged 19 to 80, covering vehicles valued up to £100,000
- Audio cover for £400 as standard
- Up to £1,000 windscreen insurance on selected policies
- Cover for left-hand drive vehicles
- Cover for American motorhomes, RVs, and high-end European models
Do I need motorhome insurance?
Insurance is a legal requirement if you’re planning on driving your motorhome. If you only drive your motorhome for a couple of months a year, you might want to declare the vehicle off-road for the rest of the year by applying for Statutory Off-Road Notification (SORN). You might also want to consider taking out laid-up insurance during this time, which covers your motorhome when it’s being unused from fire, theft, vandalism or accidents.
Get a Motorhome Insurance Quote
FAQs
What’s the difference between a motorhome, campervan, and a caravan?
One of the biggest differences between motorhomes and campervans is that motorhomes are built onto the original vehicle chassis while the back of a motorhome is designed and built by a coach-builder company such as Auto-Sleeper, Swift, or Autotrail.
A campervan, on the other hand, is a van modified for camping. This could range from a bed being added to the back of the van all the way up to a full conversion with everything you would get in a coach-built motorhome added to the van.
A caravan differs from both of the other types of vehicles as it does not have a motor. Instead, it is towed on the back of a car or van.
Can I drive a motorhome on my car insurance?
You’ll need a separate insurance policy for your motorhome. But if you’re looking for a multi-car policy that covers a range of vehicles, we can help. Simply give us a call, tell us a bit about your vehicles, and we’ll do the rest!
Can anyone with a driving licence drive a motorhome?
The type and size of motorhome you’re allowed to drive will depend on what kind of licence you have. If you already have a UK-approved driving licence, you’re allowed to drive any vehicle under 3.5 tonnes.
Most motorhomes are between 2.5 and 7.5 tonnes. If you’ve got your heart set on a vehicle of a larger size, you’ll need a category C1 licence. Any motorhome over 7.5 tonnes will need a category C licence.
Take a look at our motorhome insurance case studies
Mr. H, LD1, Peugeot Bailey
Mr. H enjoys using his Peugeot Bailey for unplanned UK getaways that don’t require much planning. He’s used his motorhome for a little over a year. When he renewed his policy, Mr. H realised all his spontaneous trips were amounting to more miles than he was originally being covered for, so he’s recently increased his nominated mileage. He said that staff at Adrian Flux are always courteous, prompt and knowledgeable.
Mr. H was recommended to Adrian Flux as he had a previous insurance claim, which meant his previous insurer was unable to offer him cover. His premium was just £386.94 with Adrian Flux.
Mrs. R, WR2, Autosleeper Talisman
Mrs. R has had her Autosleeper insured with Adrian Flux for four years and gets a discount because of her limited mileage policy. When renewing her policy, Mrs. R likes the fact that Adrian Flux will price match in order to get her the best price.
Mrs. R’s premium was £239.65 with Adrian Flux.
