Campervan insurance built for your next getaway

Yes — it's a legal requirement to have at least third-party insurance on your campervan unless it's declared SORN and off the road. In practice, specialist comprehensive campervan cover is strongly recommended, as a standard car or van policy won't cover the specific risks that come with campervan ownership.

Whilst both are essentially motor insurance, campervan insurance provides specific elements of cover tailored for campervan owners — such as awnings, personal belongings, and gas explosion cover — that a standard car policy simply won't include.

Technically, most campervans under 3,500kg can be driven on a standard car licence, and some car policies may provide basic cover. However, we'd never recommend it — your campervan has been modified for a specific purpose and needs specialist cover to protect everything from the conversion and contents to awnings and gas equipment. A standard car policy simply won't cover these risks.

This depends on when you passed your driving test, but you should be able to drive a motorhome or campervan without taking any special driving tests. If you passed your test before 1997 and your licence shows a Category B entitlement, you’re good to drive any motorhome up to 8.250kg in weight. If you passed your test in 1997 or later and your licence shows a Category B entitlement, you can drive a motorhome up to 3,500kg in weight. For large motorhomes, your licence would need to show Category C, Category CE, Category C1 or Category C1E. If you're 70 or over, you'll need to renew your driving licence every three years. It's a straightforward process but worth keeping on top of — driving with an expired licence could invalidate your insurance. You can check your entitlements and renew your licence on the Government website.

Yes. All of our policies allow you to drive in EU countries for at least 30 days a year; with some policies extending to up to 180 days a year. If you're planning to travel abroad, you must tell us before you leave the UK — you can do that online, or call us on 0345 222 6318. We'll confirm the level of cover that applies to the countries you're visiting.

If you travel abroad more frequently, for longer periods of time or travel outside of EU countries, we can tailor your policy to provide extended foreign use cover.

We actively encourage campervan owners to install approved security devices and offer generous discounts to those who do. It isn't compulsory for most vehicles, but if your campervan is of particularly high value or isn't stored in a secure location, your insurer may require it. If you have a tracker fitted, make sure your subscription is kept active — a lapse could affect any claim.

Most of our policies include cover for personal effects and belongings kept inside your campervan, up to a set limit. High-value items may have individual limits or exclusions — check your policy documents or speak to our team for full details.

Of course — provided it's registered as a motor caravan with the DVLA, we can arrange cover. If your vehicle doesn't currently meet DVLA's requirements to be reclassified, take a look at our motorhome and campervan conversions guide for more information, or give our team a call. For more information, or give our team a call on 0345 222 6318.

We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.

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