Campervan Insurance UK
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From the classic VW campervan to new conversions, what is the best best campervan insurance? The short answer is, it depends. Read this guide of campervan insurance advice to learn more about getting a campervan insured and gets quotes when you're ready.
Cheap campervan insurance
The best way to find cheap campervan insurance in 2026 is to compare quotes from multiple providers. This can be done by using a comparison service or by checking specialists one by one (using a comparison site should take significantly less time). While standard, factory-built campervans might be insurable by household name insurers, you will almost certainly need a specialist to insure classic campervans or panel van conversions (both self-build and professional).
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What's covered by campervan insurance?
Campervan insurance comes in three tiers, just like regular car insurance. Here is a brief overview of what each of these tiers covers:
- Third Party Only (TPO): Only covers damages to third parties
- Third Party, Fire & Theft (TPFT): Covers damages to third parties and also loss or damage to your campervan due to fire, theft or attempted theft
- Comprehensive: TPFT cover, plus cover for damage to your campervan in an at-fault accident
Beyond this, if you buy comprehensive cover, it's important to look for certain features specific to campervans and what can go wrong. Coverage will vary from provider to provider, but here are some desirable features to be aware of when comparing policies:
- Awnings
- Generators
- Audio equipment
- Nav equipment
- Personal belongings
- Windows and windscreens
- Gas explosions
- Replacement keys/locks if your keys/fob are stolen
- Fitted accessories (including those added later)
- Accident recovery
- European accident recovery
- Courtesy car and overnight accommodation if your campervan is disabled in an accident
- Alternative transport if your campervan is stolen
- New campervan replacement in case of a write-off or theft (for new/low mileage campervans only)
- Excess refund if damaged in an accident caused by an uninsured driver
- European travel cover (e.g., 90 to 180 days a year)
Campervan conversion insurance
Most campervan specialist insurers will offer cover for conversions, but some extra steps are typically required to get a policy (or even a quote). This is because the insurer will need to have a clear understanding of the vehicle's modifications before they will underwrite the risk.
Campervan conversions can include self-build panel vans and bespoke or professional conversions. In recent years, the DVLA has become exceptionally strict about changing a van's V5C logbook to "Motor Caravan" (requiring very specific exterior graphics, high tops, and awnings). Because of this, many specialists now offer policies specifically tailored to "vans with windows in conversion," which cover your interior modifications even if the DVLA hasn't officially reclassified the vehicle type.
While requirements might vary from provider to provider, if you're wondering how to insure a campervan conversion, you'll probably need to provide the following:
- Images of the vehicle (inside and out)
- Gas certificate
- Habitation check
- Registration of the vehicle as a motorcaravan, or declared as a modified van with side windows
Campervan insurance rules
While rules for campervan insurance will vary from provider to provider, there are some rules common to many policies that could void your cover if not followed,as well as some common exclusions to cover. These are typically not covered by campervan insurance:
- General wear and tear
- Depreciation in vehicle value
- Loss or damage from theft if keys were left in the ignition (or the vehicle was left unlocked)
- An accident caused by someone driving the campervan who does not have the appropriate licence category
- An accident caused by someone driving the campervan who is NOT explicitly covered to drive the vehicle (as listed on the certificate of insurance)
- Damage to tyres by braking, punctures, cuts or bursts
- Damage to the campervan's interior from domestic animals, insects or pests
Temporary campervan insurance
Short term campervan insurance is typically purchased by campervan renters, and it effectively sits on top of a campervan owner's existing annual insurance policy to cover the campervan while the renter is in charge of it. In the case of a rented campervan, it's the renter who will pay for temporary campervan insurance.
Short-term campervan insurance is typically available for between 3 and 30 days, and in 2026, costs from around £25 to £35 a day depending on the vehicle's value and the driver's risk profile.
Campervan insurance under 25
Campervan insurance for 21 to 25 year olds will be more expensive, but it is available. Drivers under 21 years of age might have trouble finding campervan insurance.
Is campervan insurance cheaper than van insurance?
In general, campervan insurance is typically cheaper than van insurance due to three factors. These three factors make van insurance quite a bit more expensive than car insurance:
- Campervans usually do fewer miles than vans per year
- Campervans are not driven for commercial purposes, whereas many vans are
- Claims are typically less likely for campervans than vans
As a result it is usually cheaper to insure a campervan than a van, all else equal (many factors affect the cost of vehicle insurance—read more here).
What is the best campervan insurance?
While there is no one 'best' campervan insurance for all vehicles and all drivers, here are some tips for find the best policy and company for you:
- Check who underwrites the policy (e.g., Comfort Insurance is underwritten by Aviva)
- Check customer ratings and independent reviews of the provider and underwriter (e.g., What Motorhome Insurance Provider of the Year)
- Check the underwriter's percentage of claims paid out
- Check who provides the breakdown cover (e.g., AA or RAC) and if there are vehicle weight limits
- Check the excess (the total amount you pay out-of-pocket towards a claim)
- Make a thorough list of the included features and exactly what is covered
Do I need campervan insurance?
Absolutely! Just like any car or van on the road, driving a campervan without insurance is illegal.
If you don't drive the campervan and it is just parked on private property or securely stored in a garage, you can make a Statutory Off-Road Notification (SORN). This means you can't drive the vehicle, but you also don't need to legally tax or insure it. However, even though insurance isn't a legal requirement for a SORN vehicle, many people still choose to keep "laid-up" insurance on vehicles with a SORN to protect their financial investment against damage or loss due to fire or theft.
Can I add a campervan to my car insurance?
If you're wondering if you can insure a campervan with your car insurance, it depends on the type of campervan and the insurer. First, you'll need to find out if your insurer has multicar policies. If so, then they might be able to add a campervan to your car insurance, but it will depend on the type of caravan.
For example, Admiral allows standard campervans to be added to car insurance policies. However, custom camper conversions almost certainly cannot be added to standard car insurance.
How hard is it to insure a self-converted campervan?
It is harder to insure a self-converted campervan, as fewer mainstream insurers will be willing to do so. Also, it is usually more expensive to insure a self-built or modified campervan than it is to insure a factory-standard or professionally converted model. But there are excellent specialist brokers in the market who focus entirely on this niche.
Keep in mind that unlike a standard campervan, it will not be possible to add a home-built campervan to an existing standard car insurance policy.
To insure a self-converted campervan, you'll need to provide extra information to the insurer, such as photos of the fixed interior features and potentially a gas and habitation certificate. These extra checks mean getting insurance for a self-converted campervan can take a bit more time, so plan ahead.
How to make campervan insurance cheap
There are many ways to lower the cost of campervan insurance, from limiting your mileage to installing better security. But remember, all details you submit on an application must be 100% truthful, or your policy could be invalidated in the event of a claim.
- Mileage. Lower miles driven each year should translate into a lower insurance premium.
- Payment. Making an upfront, annual payment is usually significantly cheaper than paying monthly, as monthly installments are usually charged at an APR of 15% to 30%.
- Memberships. Being a member of a recognised camping association, web forum, or camper owners' club can secure discounts of up to 15% with certain brokers.
- Parking. Keeping a campervan parked on private property or in a secure garage will typically lower the insurance premium compared to street parking.
- Security. Opting for the best security possible (like Thatcham-approved alarms, immobilisers, and physical steering locks) should secure you a cheaper insurance quote.
FAQs
Temporary campervan insurance is usually only available for up to one month. To get six months of cover you'd probably need to buy an annual policy, which you then cancel after the six months is up. But you'll have to pay cancellation fees to do so, and you will probably get back less than half of your original premium as a refund.
Yes, temporary campervan insurance is available from a number of specialist providers, for example for someone renting a campervan for a holiday.
Yes, Direct Line offers campervan insurance (e.g., through van insurance), but it seems that coverage can be a bit hit or miss. They may be quite competitive on low-risk or standard campervans, but they don't seem to insure conversions, for example. Customers report that Direct Line may not be able to offer cover for a particular vehicle, or perhaps due to other particulars of an application.
Yes, Aviva partners with Comfort Insurance to offer campervan insurance. Aviva is the underwriter and Comfort Insurance is a family-owned business that specialises in campervan insurance. If you try to get a quote via the Aviva website, you'll be redirected to Comfort Insurance.
Yes, Adrian Flux do campervan insurance, including temporary, renter insurance and converted campervan insurance. As a specialist broker, they work with a number of insurers such as Arkel, Aviva, Axis, Geo, Stubben Edge, Trinity Lane, UK General and Zenith. Keep in mind that they can offer discounts of up to 15% if you belong to a recognised web forum or camper owners club.