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Average Cost of Motorhome Insurance 2020

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By law you need motorhome insurance, which will cost you around £350 for a popular motorhome that's a few years old and valued in the low £40,000's. However the cost of motorhome insurance will vary depending on factors such as how much your motorhome is worth, where you store it, security features and the number of drivers on your policy.

See how motorhome premiums can vary across these parameters, or compare to the cost of caravan insurance, which is usually cheaper. Use our analysis may help you identify a good deal when you see it, but keep in mind these are just sample quotes and your premium might vary significantly depending on your details.

Average Cost of Motorhome Insurance

According to our research, the average cost of cheap motorhome insurance is close to £350 for our sample driver with a motorhome valued around £49,000. Generally speaking, motorhome insurance premiums increase with the value of your RV; just like the cost of car insurance premiums, motorhome premiums are typically higher for more expensive vehicles as they present a larger risk to insurance underwriters in the case of damage or theft (i.e., more expensive vehicles cost more to repair or replace).

Here are sample premiums for our sample driver for some of the most popular UK motorhomes, as determined by our motorhome insurance partner QuoteZone:

How Much is Motorhome Insurance for Popular RVs? (for 2-year-old RVs)
Bessacarr E 454£314
Swift Escape 684£314
Roller Team Zafiro 685£315
Hymer 374£393
Dethleffs Advantage£394
Average£346

For example, a two year old Bessacarr E454, Swift Escape 684 or Roller Team Zafiro (which are valued in the low to mid £40,000's) cost around £315 to insure each year while a more expensive Hymer 374 or Dethleffs Advantage (which cost around £53k and £65k at 2 years old, respectively) would set our driver back closer to £395 for insurance—an extra premium charge of around £80 per year for these more valuable models.

Motorhome insurance costs UK
How much does it cost to insure a motorhome?

Cost of Motorhome Insurance with Additional Security Features

While security features cost money to install, these costs can be partially offset by lower motorhome insurance premiums. For example, a 2-year-old Swift Escape with a factory-fitted alarm normally costs around £314 to insure for our driver. However, when you add a wheel clamp the premium dropped by around £7. Adding a tracking device can be the best way to lower your premiums; for example adding Cobra tracking lowered the premium for our sample driver by around £30 to £285.

Motorhome insurance costs change with security features
Factory fitted + Cobra, wheel clamp, steering wheel lock£285
Factory fitted + Cobra tracking£285
Factory fitted + wheel clamp£307
Factory fitted alarm£314
Motorhome insurance premiums can drop if you add security features
How much does it cost to insure a motorhome with different security features?

Cost of Motorhome Insurance by Storage Location

Where you store your motorhome has a massive impact on the cost of insurance, because the location determines the risk of theft. For example, our tests showed insurance was around 16% cheaper by parking at home in a locked garage vs. on the street outside your house. If you store at a caravan storage site, you'll find that insurance premiums vary significantly depending on the site, reflecting the experience an insurer has had (e.g., past thefts). For our sample driver, the cheapest motorhome insurance was when their RV was stored at home in a locked garage.

Motorhome insurance premiums depend on where you store it
Locked garage at home£296
CaSSOA site (high end)£325
At home on the driveway with barrier£337
At home on the road£352
CaSSOA site (low end)£456
Motorhome insurance costs with additional drivers
How much does it cost to add more drivers to my motorhome insurance?

Cost of Motorhome Insurance with Additional Drivers

Adding drivers to your motorhome insurance policy typically increases the price, which rises incrementally with each driver. Our sample driver would have to pay up to £40 additional premium to add a driver with a good driving record and experience behind the wheel of a motorhome, however the additional cost will depend on the value of your motorhome, the annual mileage, driving record of the additional driver, etc. Most insurers allow you to add up to four additional drivers, a few allow up to six.

Adding drivers can increase the cost of motorhome cover
1 driver£307
2 drivers£330
3 drivers£370
4 drivers£374
Motorhome insurance costs with additional drivers
How much does it cost to add more drivers to my motorhome insurance?

FAQs

No, you cannot drive a motorhome on your car insurance—a motorhome is a self-propelled vehicle and needs its own insurance policy, just like a car. In fact, it's a legal requirement to have insurance for your motorhome. Find out how much motorhome insurance will cost you by comparing quotes from nearly a dozen specialists with our comparison partner QuoteZone—there's only one form to fill out and it takes just 2 minutes.
It will cost approximately £2,481 to tax and insure a new motorhome in the first year of registration; in years 2-6 it will cost approximately £811 to tax and insure a motohome. Motorhome tax is now a whopping £2,135 the first year of registration (that's the tax for vehicles with CO2 emissions over 255 g/km) and £465 for each of the next 5 years (that's the ongoing tax for vehicles with a list price of more than £40,000); the cost of motorhome insurance will depend on factors like model, age and number of drivers.
Motorhome insurance often costs in the region of £300 to £400 a year, but motorhome insurance costs depend on factors like model, age, insurance features and even where you store your motorhome.
LV does not do motorhome insurance—to find a motorhome insurance policy, compare quotes here from nearly a dozen specialists. There's only one form to fill out and it takes just 2 minutes.
Direct Line does not do motorhome insurance—to find a motorhome insurance policy, compare quotes here from nearly a dozen specialists. There's only one form to fill out and it takes just 2 minutes.
Insurance is one of the big annual expenses of owning a motorhome, and typically costs in the range of £300 to £400 a year. Click here to learn more about the cost of motorhome insurance.
Generally speaking, campervans are less expensive to insure that motorhomes—campervans are usually smaller and less valuable, making them less expensive for an insurance company to repair or replace than motorhomes.
Yes, most motorhome insurance policies will include EU travel cover. If you're planning a trip to the continent, look out for this feature. Read the policy wording to find out before you buy a policy—some include up to 365 days of EU travel cover.

Methodology

To arrive at our average cost analysis, we gathered dozens of online quotes for motorhome insurance. We priced policies for five of the UK's most popular motorhomes:

  • Roller Team, Zafiro 685
  • Swift Escape, 684
  • Bessacarr, E 454
  • Hymer, 374
  • Dethleffs, Advantage

Unless otherwise noted, motorhomes are driven by a 35-year-old main driver with a good driving history and no motorhome NCD but 5 years of car NCD, come with factory-fitted security, are stored on a driveway with a barrier, and are 2 years old. We averaged the 5 cheapest quotes that we could find to give an idea of what a motorhome owner would need to pay for a policy.

Oftentimes, the cheapest policies offer fewer features. The best policy for your needs may cost more or less depending upon your profile, the details of your motorhome and the type of policy you want, when you buy insurance, etc. Use the data in this article as an informative guide only to see how premiums can vary depending on various factors.


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