How Much Is Camper Insurance: What You Need To Know – Shield Total Insurance

In the UK, there are around 225,000 motorhomes. Camping is a big part of UK tourism, but you shouldn’t travel in a caravan without insurance.

so how much does motorhome insurance cost? it is difficult to determine a specific number, but you can take into account some details when insuring your motorhome or camper.

Reading: How much is camper insurance

Keep reading to find out what the cost of your motorhome insurance includes and some averages to keep in mind.

Motorhome insurance cost factors

When determining how much RV insurance costs, you need to consider a few factors. Not all insurance is created equal, and your policy should meet your basic needs.

Depending on the motorhome you have and where you take it, you may have to pay more or less for motorhome insurance. If you and someone else have the same mobile home, you may have different insurance premiums.

Still, you can use several factors to get an idea of ​​how much RV insurance will cost you.

size of the motorhome

camper insurance - motorhome

the maximum size of a motorhome in the uk is 2.55 meters wide and 12 meters long. There is no set maximum height, but the driver needs to see from his seat.

but while there are maximum length and width dimensions, you may find smaller campers. the smaller the vehicle, the less it will cost to insure it.

You won’t have as much space or stuff as in the RV, so if something happens, the RV insurance company won’t have to pay as much.

That means you get lower insurance premiums for smaller campers. pop-up motorhome insurance won’t be as expensive as motorhome insurance.

value of the motorhome

RV prices generally align with their size, you need to consider the current value of your RV. if you installed significant updates, you could probably sell the unit for more than you paid for it.

However, if the motorhome has been damaged, its value will be less. You can expect the cost of your camper’s insurance to differ based on your camper’s condition.

may not be an exact comparison. For example, insuring a £40,000 vehicle will not necessarily cost twice as much as insuring a £20,000 caravan.

but you should consider the retail value of your motorhome when insuring it. then you can get the cover you need to replace it if something goes wrong.

age of the motorhome

As your camper ages, you may notice your insurance premium going down. That’s because the value of the mobile home tends to decrease over the years.

Even if you barely use your motorhome, you won’t sell it for the same price you paid when you bought it new.

But price depreciation doesn’t just happen once. the value may continue to change as your camper ages.

See also: How does insurance company decide who is at fault

So if you have two RVs five years apart, it will cost more to insure the newer one. it doesn’t matter if the two are the same.

motorhome brand

You also have to take into account the make and model of your motorhome. Although these usually have some relation to the price of the vehicle, some models are more expensive to insure.

still, some motorhomes are not so easy to get. some models are available used, but are not in production.

so you may have to pay more to secure a model you won’t find. if you need to replace it, you’ll have a harder time finding the same model on the used market.

Consider how easy it is to find your type and model of caravan. you may find that can affect how much you’ll pay for campervan insurance.

characteristics of the motorhome

Your motorhome can have various features, from extra rooms to appliances. But when it comes to the cost of your RV insurance, consider your vehicle’s safety features.

You can install features including a wheel clamp or an alarm to protect your van. Those details will make it more difficult for someone to break into your RV.

Because RV insurance typically covers theft, safety precautions can help lower your premium. If you install an alarm, insurance companies will understand that you are proactive about theft, so they may offer you a lower premium.

You can save around £7 on the cost of your insurance. While that may not sound like much, it will add up over the years.

motorhome drivers

motorhome insurance

You should also consider how many people will be driving your caravan. If you’re the only one, you can expect a lower premium than if you and even someone else drove the vehicle.

Adding a second driver can increase your premium by an average of £23. third and fourth drivers can add another £40 to £44.

For one thing, you can split the cost of insurance between yourself and other drivers. but you also have to take into account everyone’s driving history.

so make sure you trust someone to look after your motorhome before you let them drive it or add it to your insurance policy. then, you can prevent the cost from increasing.

motorhome storage

Another aspect that can affect the cost of your motorhome insurance is where you keep the motorhome when you are not using it. Whether you’re preparing for winter or taking a week or two off, you need to store your caravan safely.

but where you do it is important.

  • Storing your RV in a locked garage at home can help you save money on your insurance premium.
  • Storing your RV in the driveway or on the street can increase your premium just as much as using a storage unit or some other option.
  • Consider where you can store your motorhome when you’re not using it so you can take advantage of a potential insurance discount.
  • average cost of motorhome insurance

    camper on the coast

    After considering all of these factors, you can get an idea of ​​the cost of your RV insurance. the average cost to insure a £39,000 motorhome is around £350 per year.

    Of course, factors like age, size, and safety features can affect that price. If you need to insure your motorhome, get a quote to get a better idea of ​​how much it will cost.

    See also: Inland Marine Insurance | Travelers Insurance

    Some insurance plans can cost as little as £300 per year, while others can exceed £1,000 per year. it all depends on the factors related to campers and non-campers.

    things to consider

    While many motorhome features and factors can determine your insurance rate, so can other items. Regardless of the motorhome you have, you should think about a few factors that can further affect the cost of your insurance.

    Your driving record and your choice of insurance coverage can affect the price. here’s what you need to know about those factors.

    motorhome insurance is different

    If you already have auto insurance, you may be wondering why you need RV insurance. Unfortunately, you usually can’t put your RV on the same insurance plan.

    And even if you can, getting special RV insurance is a good idea. you can benefit from a specific policy that suits your needs.

    If you insure your RV under the same policy as your car, you may not have access to agents who know about RVs.

    But when you’re looking for specialized protection, you can get that kind of help. You can ask an insurance company about their agents and the experience they have.

    then you can ensure you get the coverage and service you need whenever something happens to your motorhome.

    your driving record

    You should also consider your driving record and any other drivers on your plan. if you recently caused an accident, you’ll probably have to pay a higher premium until you remove it from your record.

    Alternatively, if you have a perfect driving record, you can save money on your motorhome premium. you’ll also have an incentive to drive carefully to keep that rate low.

    because if you have an accident, your insurance company may increase the cost of your premium. And switching to another insurance company won’t do you much good.

    how insurance protects you

    You should also look at what an insurance policy will cover. more comprehensive plans will protect you from theft, storm damage, and accidents.

    Sure, you can save money by choosing a plan that only covers you if you cause an accident. however, you will not get money to protect the caravan if someone steals it.

    and if someone breaks in and steals something valuable, you won’t get that item back either.

    While more comprehensive plans cost more, they are more valuable in the long run. you may not want to think about someone stealing or breaking into your motorhome.

    but you can’t always avoid that. it also cannot prevent storms and potential storm damage. so be sure to weigh the benefits of a more affordable plan versus one with more protection.

    How much does motorhome insurance cost?

    When you ask yourself “how much does motorhome insurance cost?”, you have to think about many factors. no two campers are the same, so no two policies are identical.

    Everything from the size of the RV to age and extra features can affect the cost of insurance. but also the driver’s history and plan coverage.

    Are you ready to purchase motorhome insurance? get a quote today.

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