Campervan insurance
A new way to insure your campervan
Campervan insurance is a specialist type of cover designed to safeguard you and your campervan from financial risks, whether it’s parked at home, stationed at a campsite, or being driven on UK roads or abroad. Similar to car insurance, it’s a legal requirement in the UK to have at least third-party cover to drive your campervan.
In partnership with some of the leading UK insurers, we’ll not only get you a better campervan insurance deal with top-notch cover, we work hard to keep you as a customer year after year.
Own a motorhome rather than a campervan? Click here for motorhome insurance.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We only provide cover for good campervan drivers, so you’ll get a better deal.
Carbon offsetting
We’ll plant trees to clean up after your campervan. Seriously!
With over 50 years of experience, whether you’ve done a van conversion or own a ready-built campervan you’re looking to cover, we’ve got your back. Peace of mind provided for your next adventure.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable campervan insurance prices.
Your campervan insurance cover at a glance
Damage to your campervan
Covered for the costs of repairs
if your campervan is damaged in an accident*.
Bad things can happen
Damage due to bad weather, fire
or vandalism are covered as standard*.
Broken windscreens
All the glass in your campervan is covered.
You won’t lose your No Claims Discount*.
If you damage something
Your cover will pay for any damage to
property or injuries caused by you.
Theft
If your campervan is stolen, it’ll either be
replaced or you’ll be paid the market value.
* Subject to your chosen level of policy cover and the prevailing policy excess.
What is campervan insurance?
A comprehensive campervan insurance policy typically includes:
- Damage from Accidents: Covers repairs for your campervan and other vehicles involved in an accident.
- Fire and Theft: Protection against theft or fire damage to your campervan.
- Break-ins: Cover for damage caused by break-ins and theft of personal belongings.
- Liability: Protection for claims made by other drivers, passengers, or pedestrians.
- Personal Belongings: Optional cover for camping gear and valuables stored in your campervan.
Types of cover
There are three main levels of campervan insurance:
- Third Party: The minimum legal requirement, covering damage or injury to others but not your campervan.
- Third Party, Fire and Theft: Adds cover for fire damage and theft of your campervan.
- Comprehensive: The most extensive protection, including accidental damage to your campervan, even if you are at fault.
There are also three main categories of use:
- Social, Domestic, and Pleasure: This type of cover is ideal for non-business purposes such as weekend trips, camping, visiting family and friends, or running personal errands.
- Commuting: Required if you use your campervan to travel to and from a single workplace. Though less common for campervans, it applies to those using the vehicle as a primary mode of transport.
- Personal Business Use: Provides cover for broader activities, such as driving to business meetings or events. This is crucial if you use your campervan for self-employment or work-related purposes in addition to commuting.
When selecting a policy, think about how you plan to use your campervan. Whether it’s for holidays, daily commutes, or occasional outings, make sure you choose the appropriate level of cover.
How much does campervan insurance cost?
Several factors can influence the cost of a campervan insurance policy:
Usage and mileage
How frequently you use your campervan and the distance you drive can influence your premiums. More use or longer trips increase risk exposure, often leading to higher rates.
Value of the campervan
The value of your campervan affects your insurance costs. Higher-value vehicles are generally more expensive to repair or replace, resulting in higher premiums.
Location
Your area of residence is a key factor in determining your premiums. Living in a region with higher rates of accidents, theft, or crime may result in increased insurance costs.
Type of campervan
The type of campervan you own impacts your insurance rates. Larger and more luxurious models typically have higher premiums than coachbuilt types.
Driving record
Your driving history, including any accidents or motoring offences, can affect your rates. A clean record usually means lower premiums due to reduced risk.
Storage and security
How and where you store your campervan, as well as the security measures in place, can influence costs. Anti-theft devices and secure storage can help lower your premiums.
Join the club and unlock unrivalled benefits
Car and van Insurance
Home Insurance
Travel Insurance
We like to reward our customers. When you join the insurd family by insuring your campervan, we’ll
give you exclusive access to incredible deals on your car or van insurance, home and contents insurance and travel cover.
These deals aren’t available to anybody else so once we start protecting your campervan, you’ll be part
of the club that saves hundreds of pounds each year.
Some questions that people like to ask us about campervan insurance
Is campervan insurance different from car insurance?
Whilst both types of cover are essentially motor insurance, campervan insurance will usually provide specific elements of cover tailored for campervan owners.
Will my driving licence allow me to drive a campervan?
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. You can check your entitlements on the Government website.
Am I covered to travel abroad in my campervan?
All of our policies allow you to drive in EU countries for at least 30 days a year. 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.
Will I need to install any security devices to my campervan?
We actively encourage campervan owners to install approved safety and security devices and offer generous discounts to those owners who take safety and security seriously. However, this isn’t compulsory unless your motorhome is of particularly high value or isn’t stored in a secure location.
I’ve converted a van into a campervan myself – is that OK?
Of course, provided that it meets requirements and is registered as a motor caravan with DVLA. Unlike some other campervan insurance providers, we won’t make you jump through hoops to provide evidence of the conversion. If your vehicle doesn’t meet DVLA’s requirements to be reclassified, take a look at our Motorhome and campervan conversions guide.
At insurd, we understand better than most that your campervan is your pride and joy. And because you look after your campervan like your home from home, we’re able to offer exclusive prices and extraordinary levels of cover.
As well as campervan insurance, we also cover motorhomes, with motorhome insurance.