Insurance is a critical factor to consider for many things, your motorhome is no exception to this either. But what are the prices? And what affects the cost?
Today’s blog will explore the question ‘How much is motorhome insurance?’
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Is UK motorhome insurance applicable abroad?
The short answer is: it depends. While most UK motorhome insurance policies provide some level of cover within Europe, the extent of that cover varies significantly. Here are the key points to consider:
- Green Card: Before Brexit, a Green Card was mandatory for driving in most European countries. While no longer required in many EU countries, it’s still essential for some destinations. Check with your insurer to see if your policy includes a Green Card or if you need to obtain one separately.
- Geographical Coverage: Ensure your policy covers the countries you plan to visit. Some policies might have restrictions or exclusions for certain regions.
- Duration of Cover: Most policies have limitations on how long you can be abroad. Check your policy for specific details.
- Level of Cover: The type of cover you have (third-party only, fire and theft, or comprehensive) will determine the extent of protection you have while abroad.
- Additional Cover: Consider adding breakdown cover, medical expenses, and personal belongings insurance for extra peace of mind.
Brexit and Motorhome Insurance
Brexit has affected insurance agreements for UK motorhome owners.
The primary changes relate to:
Green Cards: Before Brexit, a Green Card was mandatory for driving in most European countries. While no longer required in many EU countries, it’s still essential for some destinations.
Insurance Coverage: Some insurers have adjusted their policies to reflect the new post-Brexit landscape. It’s essential to check the specific terms and conditions of your policy to understand the level of cover you have in different countries.
Claims Process: The process of making a claim in an EU country might be slightly different post-Brexit, due to changes in regulations.
How much is motorhome insurance
The cost of motorhome insurance in the UK typically ranges from £220 to £400 per year, with an average of around £315 for a motorhome valued at £40,000. However, this is just an estimate, and the actual price can vary significantly based on several factors.
Factors Affecting Motorhome Insurance Cost
- Motorhome value: The more expensive the motorhome, the higher the insurance premium.
- Motorhome age: Older motorhomes are generally cheaper to insure, but might have limitations on cover.
- Your age and driving history: Younger drivers or those with a history of accidents or claims are likely to pay more.
- Motorhome usage: How often and where you use your motorhome can impact the cost.
- Level of cover: Comprehensive cover is typically more expensive than third-party only.
- Additional features: Adding extras like breakdown cover or European travel can increase the premium.
It’s essential to compare quotes from different insurers to find the best deal that suits your needs and budget.
Types of motorhome insurance
There are three main levels of motorhome insurance cover:
1. Third-Party Only (TPO)
This is the minimum level of cover required by law. It covers any damage or injury you cause to another person or their property in an accident. However, it doesn’t cover the cost of repairing or replacing your motorhome.
2. Third-Party, Fire, and Theft (TPFT)
This level of cover provides the same protection as TPO, but it also covers damage to your motorhome caused by fire or theft.
3. Comprehensive
This is the most comprehensive level of cover. It includes everything in TPFT, plus damage to your own motorhome, regardless of who is at fault in an accident. It often includes additional benefits like breakdown cover, personal belongings cover, and legal expenses.
It’s important to note that comprehensive cover is generally more expensive than TPO or TPFT, but it offers the highest level of protection.
Do my appliances affect motorhome insurance?
Generally, the specific appliances you have in your motorhome do not directly affect your insurance premium.
What can impact your premium is the overall value of your motorhome, which includes the appliances. If you have high-end or expensive appliances, the overall value of your motorhome increases, which might lead to a slightly higher insurance premium.
However, the primary factors affecting your motorhome insurance cost are those we discussed earlier: the value of the motorhome, your age, driving history, usage, and the level of cover you choose.
It’s more important to ensure your appliances are safe and correctly installed than to worry about their impact on your insurance.
What can void motorhome insurance?
Providing accurate information when applying for insurance is crucial. Any discrepancies or omissions could invalidate your policy. Here are common factors that can void your motorhome insurance:
- Incorrect or misleading information: Providing false or incomplete details about the motorhome, its use, or your driving history can invalidate your policy.
- Unlicensed drivers: Allowing someone to drive your motorhome who is not listed on the policy or doesn’t have a valid driving licence can void your insurance.
- Modifications: Making significant changes to the motorhome without informing your insurer can affect your cover.
- Business use: Using your motorhome for commercial purposes without informing your insurer can void your policy.
- Driving under the influence: Driving while under the influence of alcohol or drugs will invalidate your insurance.
- Leaving the motorhome unattended: Leaving your motorhome unlocked or with the keys inside can affect your claim in case of theft.
- Breaching policy conditions: Failing to comply with the terms and conditions of your insurance policy can lead to it being voided.
It’s essential to read your policy carefully and inform your insurer of any changes to your circumstances.
Can you make your own motorhome legally?
Yes, you can legally make your own motorhome in the UK, but there are specific regulations and requirements to follow.
To be classified as a motorhome by the DVLA, your vehicle must meet certain criteria, including:
- External appearance: It should look like a motorhome from the outside.
- Internal features: It must have a bed, seating, cooking facilities, and storage.
- Safety standards: The vehicle must meet all roadworthiness requirements, including lighting, brakes, and tyres.
Important considerations:
- Re-registration: You’ll need to re-register your vehicle as a motorhome with the DVLA once it meets the necessary criteria.
- Insurance: You’ll need specific motorhome insurance, which might be more expensive than standard van insurance.
- Safety: Ensure the conversion is done safely and meets all relevant safety standards.
Find the best appliances for your motorhome
Inlander Low Voltage is a family-run business with a passion for bringing you the best deals on 12-volt products. For over 30 years, we’ve been committed to supplying top-quality brands at exceptional prices, all in a modern and efficient way.
Fuelled by a dedication to learning and improvement, we quickly earned our customers’ trust. Today, we’ve grown into an exemplary 12-volt business with a stellar reputation.
Our decades of experience have allowed us to forge strong relationships with leading manufacturers like Swan, LEC, Fridgemaster, Hotpoint, Montpellier, and Beko. We’re especially proud to be working on the exciting new Swan retro range of fridges and kitchen appliances.
Despite our growth, one thing remains constant: our commitment to building long-lasting relationships with our customers. Whether you’re a longstanding client or just discovering Inlander Low Voltage, we’re here to provide you with exceptional service and unbeatable value.
In this blog, we hope to have answered the question ‘How much is motorhome insurance?’
Contact us today for any enquiries you may have. Alternatively, you can check our blog page for any further information about the services we offer.
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