Motorhomes offer you the chance to take to the open road and explore the world. They’re the perfect match for your adventurous nature, because they provide the flexibility that other vehicles simply cannot.
But of course, when you’re out and about you want to feel fully protected, and you want to give your motorhome the level of care it deserves. A standard motor insurance policy may not provide suitable cover, however – and that’s where specialist motorhome insurance through Carole Nash can help.
Motorhome insurance is a type of cover designed to insure motorhomes and in some cases campervans. A motorhome is a leisure vehicle and as such is used very differently to a car or van, which is why it’s important to choose a specialist policy so you have the right protection in place.
A traditional car or van insurance policy which has been stretched to offer you cover may not factor in things such as the full value of the motorhome, differences in mileage and other potential considerations like European travel and expensive equipment.
Here at Carole Nash, we take the time to speak to motorhomers like you, which means we can offer a dedicated motorhome and campervan insurance policy specifically designed for its purpose.
A motorhome is a vehicle designed to include living accommodation. The most common scenario is for a chassis - the spine of a van (cab, wheels, engine etc) - to arrive at a motorhome manufacturer who will in turn add the interior, side walls and roof.
Expect to find the minimum features to include: seats and table, sleeping accommodation, cooking and storage facilities. Of course, some modern motorhomes have features that would not be out of place in a 4 or 5* hotel!
You may also hear or notice on your V5 registration certificate the term ‘motor caravan’, which is the legislative term in the UK. However, in everyday life and throughout the industry, ‘motorhome’ is the commonly used term.
There is no set definition which constitutes whether a vehicle is a campervan or a motorhome, so it can be a little confusing and there are blurred lines.
Typically, campervans are smaller than motorhomes and derived from your typical vans such as VW Transporter or Vauxhall Vivaro. Motorhomes, on the other hand, are often larger and consist of a coachbuilt living quarters assembled on a base vehicle such as a Fiat Ducato.
Although they are very similar, it can make a difference when it comes to getting an insurance quotation. For instance, one insurer may provide their price partly based on the size of the vehicle whilst another may factor in the engine size, both of which you would usually find are larger for a motorhome. This in turn may impact the price you are quoted.
If you have a campervan you wish to insure, head over to our campervan insurance page or speak to one of our leisure vehicle insurance specialists, who will be happy to answer any questions you may have.
Here at Carole Nash, we work with a variety of dedicated motorhome insurers so that we can provide the cover that is suitable for whatever type of motorhome you own.
Below is a list of the most common types of motorhome that we can typically insure:
Coachbuilt – The most popular UK motorhome whereby a caravan-style body is constructed onto the cab and chassis. The coachbuilt or C-class can offer great space for 2 – 7 berths and a huge variation in layout, price and features.
A-Class – The A-class motorhome is often larger and more luxurious than a coachbuilt, ranging from 20 – 40 feet of living accommodation. They are often more rectangular in design as they are designed from the chassis upwards, meaning improved integration of the driver area to the living accommodation and greater space.
RV – Common in the US but less so in the UK, these recreational vehicles (RVs) can be the size of a standard coach. RVs can be ultra-luxurious and incredibly feature packed.
Campervan – From bespoke conversions to VW Classics, pop-tops to high-tops, rack ‘n’ roll beds to swivel seats, campervans are hugely popular due to their affordability, driveability and flexibility. Head over to our campervan page for more info on how Carole Nash can help protect your pride and joy.
Self-Builds/DIY – Here at Carole Nash, we may also be able to help your dream project come to life by ensuring it’s insured for its intended purpose of getting out on the road and exploring. If you have a self-build you’re looking to insure please call us on 0333 005 7554 so we can find out a little more.
Of course, there are many other variations of motorhomes and lots of different terminology used to describe them such as type B, micro motorhomes, over-cab, panel van conversions - the list is endless. Whichever type you own, we’ll help you find the right dedicated motorhome policy to ensure it is properly protected.
When you arrange motorhome insurance through Carole Nash, you can expect to receive:
- Up to £100,000 legal expenses cover in the event of an accident that’s not your fault
- EU cover for up to 90 days with a Green Card, which we can provide for you – ideal for those holidaying abroad!
- Breakdown recovery in the UK and EU. Please note you will need a Green Card to be covered for breakdowns outside the UK
- Motorhome insurance policies can also be extended to include contents and equipment up to the cost of £3,500, including gas bottles and awnings, keeping all the essentials covered
- On top of all this, a dedicated claims team is on-hand 24/7, 365 days a year
As with any policy, there are some exclusions that apply to your motorhome insurance. For example, you will not be covered for:
- Damage or loss that occurs when the vehicle is driven by someone who does not have the appropriate licence
- Damage or loss to any vehicle or trailer being towed by your motorhome
- Damage to the tyres that occurs by braking, punctures, cuts or bursts
- Loss of value and general wear and tear
The above are only a selection of the exclusions on your motorhome insurance. For a comprehensive list, please see your policy wording.
Just like their owners, all motorhomes are unique, which means there is no single policy – and therefore no set price – that applies to all vehicles. Instead, your motorhome insurance quote is likely to depend on a number of factors, including:
- Make and model
- Age of vehicle
- Where the motorhome is kept
- Named driver and any additional drivers
- Claims history and any no claims bonus
Rest assured though, that from self-build and coachbuilt to A-class motorhome insurance and everything in between, we’ll be able to find the policy that’s perfectly suited to your needs, at the right price.
If something goes wrong and you need to make a claim, we’re here for you. Just call our 24/7 claims line on 0333 005 2244 and a member of our team will help you every step of the way. There are no complicated forms for you to fill out, so that’s one less thing for you to worry about.
Please note that if you are involved in an accident but don’t intend to make a claim, you still need to let us know what happened – it’s a condition of your motorhome insurance.
There are several reasons why we’re regarded as among the best motorhome insurance brokers in the UK. Here are just a few of them:
- We understand our customers and the vehicles they drive, so we know exactly what it takes to find the specialist motorhome insurance to suit you.
- Our work down the years has seen us recognised with a number of industry awards and commendations.
- We’ve been providing motorhome insurance in the UK for more than 30 years, and that wealth of experience helps us to continually improve our service.
- We’re fully authorised and regulated by the Financial Conduct Authority, so you can be confident you’re in safe hands.
- Our customers value the work we do for them, and that shows in their glowing testimonials as well as our positive Trustpilot rating from thousands of reviews.
We want to make your life as easy as possible, which is why we’ve made it clear and simple to get a motorhome insurance quote.
All you have to do is give us a call on 0333 005 7554 and a member of our friendly team will be on the other end of the line. Once you’ve provided them with a few basic details, they’ll be able to compare motorhome insurance premiums and help you find the deal that’s right for you.
We try not to ask any challenging or technical questions so it’s unlikely you’ll need to prepare anything out of the ordinary, but there are some things we’ll need to know. We’ve put together a list of those below:
- Tell us about you
We’ll need the basics such as your name, date of birth, address and contact details. We’ll also require information like your claims history, licence type and years held, and whether you own or drive another vehicle. We’ll also need to find out about any additional drivers.
- Tell us about your motorhome
We will need to find out as much information as we can about your motorhome including things like make and model, engine size, what it’s being used for, what security it has and where it’s stored. If you’re unsure, check your emails for any dealer correspondence or speak to one of our friendly team who will be able to help you.
- Tell us what cover you need
Have a think about who will be driving the vehicle, and will you be using the motorhome in Europe? How many miles do you expect to do? We also want to know what contents you want to insure - do you have an expensive awning you wish to cover, for instance?
Having a conversation about what you need allows us to provide the right cover so your pride and joy is properly protected in the event of a claim.