Motorhome insurance comes in various forms, each offering different levels of coverage to suit the diverse needs of motorhome owners. To select the right policy, it’s essential you understand the options available.

The main types of motorhome insurance include:

• Third party: The most basic form of coverage and the minimum level legally required. It covers damage or injuries to other people and their property if you are at fault in an accident. It does not cover damage to your own motorhome.
• Third party, fire, and theft: This includes the aforementioned coverage of third-party insurance. It also comes with additional protection against your motorhome being stolen or damaged by fire.
• Fully comprehensive: The most extensive coverage package. It includes all the features of third-party, fire, and theft insurance and covers damage to your motorhome – regardless of who is at fault. This insurance type often contains additional features like accidental damage and windscreen cover. Contents insurance for personal belongings inside the motorhome can also be added.

When selecting caravan insurance, it’s important to pick one that reflects the caravan you own. Whether you own a static caravan fixed in one location or a touring caravan for travelling, each has its own unique requirements.

The main types of caravan insurance are:

• Static caravan insurance: This insurance is designed for caravans that remain in a fixed location, such as holiday parks. It typically covers damage to the caravan, theft, and sometimes contents within the caravan. Additionally, it may feature liability cover for any injuries or damage directly caused by the caravan.
• Touring caravan insurance: This insurance is tailored for caravans towed behind a vehicle. It often includes cover for damage while on the road, theft, and accidental damage. Furthermore, it usually offers protection when the caravan is detached from the vehicle and may cover contents and equipment specific to touring. Depending on the selected insurance, coverage can be for travelling around the UK or extended abroad.

The price of caravan and motorhome insurance comes down to various factors. These factors include:

• Value of the vehicle
• Usage frequency
• Storage location
• Age of the owner
• Level of desired coverage

Motorhome insurance typically costs more than caravan insurance. This is understandable due to the value of each respective vehicle, as motorhomes are typically more expensive.

Another important factor is getting quotes for insurance coverage. With our expertise and connections, we can find you a policy that’s tailored to your needs and the most cost-effective.