Campervan insurance you can trust
What is a campervan?
The word campervan usually invokes images of classic VWs cruising along highways on the sun-kissed roads of California, windows down and music blasting from the windows. While this might well be exactly how you plan on spending your life on the road, there is so much more to a campervan than a bed in the back of a van.
Designed primarily as a mode of transport that offers simple accommodation, campervans offer a certain level of flexibility that motorhomes don’t. They’re often smaller, with pop-tops or expanding roofs to allow for increased space for beds or standing room, or fixed raised roofs. This generally means they look and feel more like vehicles than a house on wheels, and they offer basic amenities for sleeping, cooking and in slightly larger or more luxurious campervans, a shower/wet room.
As they have less space, they most often have a bed at one end of the vehicle, rear and/or side door, a small window and offer limited storage capacity. The driver's cab is also rarely separated from the accommodation quarters. To create more space, retractable awnings can be attached to the side of the van for more comfortable living and dining situations.
You might be wondering ‘is a campervan an RV?’ The simple answer is yes. RV tends to be an American term, meaning Recreational Vehicle, and encompasses most forms of motorhomes and campervans, although American-built models tend to be much larger for improved comfort and storage.
There are a number of manufacturers with some of the most popular models being produced by VW, Ford, Fiat and Toyota. You may also consider a campervan if you already own a van that you are looking to convert. You will need to ensure your vehicle meets all requirements as set out by the DVLA for a conversion.
What are the differences between campers/campervans and motorhomes?
Campervans are smaller and more compact compared to motorhomes with basic facilities. They are usually built on the frame of a van or a truck, and they can accommodate 2-4 people.
Campers/campervans tend to be ideal for individuals, couples, or small families who are looking for a more affordable and practical option for camping and traveling. They are easy to drive and park, and they can be used for both short and long trips.
Motorhomes, on the other hand, are much larger and more spacious than campers/campervans. They are often built on a truck or bus frame, and they can accommodate more than 4 people.
Motorhomes are like miniature houses on wheels, complete with living areas, kitchens, bathrooms, and bedrooms. They are ideal for larger families or groups of travellers who want to enjoy the comforts of home while on the road.
Another difference between campers/campervans and motorhomes is their cost. Campers/campervans are generally more affordable than motorhomes, although the price can vary depending on the quality and features of the vehicle.
Find out what the differences are between a Class A, B and C campervan elsewhere on our site.
Pros of campervans
There are a few perks to choosing a smaller vehicle such as a campervan for life on the road:
- More aerodynamic than larger motorhomes
- Usually cost less to purchase
- More fuel efficient than larger vehicles
- Cheaper to maintain and use, including parts, ferry, toll charges and campervan insurance
- Easier to drive and park
Campervan cover can include;*
- Cover for up to 365 days a year which can include foreign use
- Cover for your Campervan whilst you are converting it
- Enhanced cover for personal effects
- Offers if you’re a member of a club
- Panel of leading Campervan insurers
- Unlimited EU cover
- Up to £3,500 of cover for your camping personal effects
- Up to six months cover to complete a self-build conversion
- Value up to £120,000
- Quotes available for customers with motor claims and convictions
*All features and benefits are subject to eligibility and underwriting criteria
Insurance for your campervan
Taking your campervan out and about is one of life’s great joys. Hitting the open road for a holiday, a festival, day trip or simply a cruise along the coast is a truly unique experience in your camper and one we totally get!
From new campervans to retro classics, they are often larger than your average on road vehicle, meaning they are more at risk of being in an incident. That is why having the right cover in place before you hit the road is an essential for any campervan owner.
At Motorhome Protect we are specialists in campervan cover and have a panel of leading insurers in the UK. Policies can include as an optional extra, unlimited European cover, breakdown cover in the UK and Europe, up to £3,500 of contents cover and offers for limited mileage offered, keeping your campervan companion protected is a pleasure and never a chore.
What type of insurance do I need for my campervan?
If you own a campervan, it is advised to have the appropriate insurance coverage to protect yourself and others on the road. In the UK, campervan insurance can usually be broken down into three main categories: third-party only, third party, fire and theft, and comprehensive motorhome insurance cover.
Third Party - Will only cover the Third-Party aspects of a claim; damage to their vehicle, and any personal injury. Damage to your vehicle is not covered.
Third party, fire, and theft - As well as covering the Third-Party aspects, your vehicle will be covered if it is damaged by attempted theft or fire. You will also be covered if your vehicle is stolen and not recovered. Your vehicle will not be covered for accidental damage following an accident.
Comprehensive - You will be covered against all the above, and if your vehicle suffers accidental damage following an accident.
When deciding on the level of cover you need for your campervan, it's important to consider factors such as the value of your campervan, how often you'll use it, and the type of terrain you'll be driving on.
For example, if you plan to take your campervan off-road, you may want to consider comprehensive insurance to ensure your vehicle is protected in case of an accident.
What won't my insurance cover?
Before taking out a policy, please check it carefully as there are a number of details that campervan insurance does not cover.
- General wear and tear damage
- Theft through lack of security
- Insect/vermin damage
- Cuts and punctures to tyres
Classic campervan insurance
Our insurance policies cover a wide range of campervans both new and old. Whether you have fixed or raised roof, our specialist insurance will cover your beloved campervan (subject to requirements).
Here are some of the classic campervans we cover:
- 1964 Classic VW T2 Samba.
- 1967 BMC Princess.
- 1973 VW T2 Westfalia.
- 1978 Bedford CF250 Dormobile Landcruiser.
- 1979 Ford Transit Mk2.
- 1979 VW T2 Devon.
- 1985 Dodge B250 Ram Sportsmobile Campervan.
- 1986 VW T25 Hightop Campervan.
Fill out our form below for a quote on your camper van and see our best quotes for your classic camper van too!