A Guide to More Affordable Motorhome Insurance

October 31, 2023 in Tips for Owners and Maintenance & appliances

Motorhomes make holidaying on your own terms possible and allow you to explore new destinations. But amidst the excitement is a practical side to travelling in a motorhome that means protecting your vehicle with a suitable insurance policy. Finding good coverage can be daunting, especially if you’re on a budget. However, with the right guide, you can purchase a policy that protects your vehicle without breaking the bank. 

We’ve teamed up with The Motorhome Insurer to round up the best tips for getting cheap motorhome insurance. 
Guide to cheap motorhome insurance compare campervan insurance options

1. Compare motorhome insurance

With the help of a reliable comparison service, you can easily check prices online or with a quick phone call.

Here’s how it works: you share some personal details (like your full name and what you’re looking for), and you get a list of quotes from some of the UK’s top insurers. 

Sticking with the same insurer every year may mean settling for less. When you compare motorhome insurance quotes, you could receive a more competitive renewal price from a different company.

2. Provide an accurate annual mileage estimate

When it comes to cheap motorhome insurance, how much you drive your motorhome matters.

Insurers will use an estimate of your annual mileage to help determine your risk profile — the more you drive, the more likely it is you could be involved in an accident. But how do you estimate your annual mileage?

One way is to track how far you drive for a month and then multiply that number by 12, but for people who only use their motorhome in the warmer months that may not work. Most people who use their motorhome for holidays only will have a good idea of the routes they plan to take and there are plenty of apps that will help you calculate accurate mileage. Steer clear of making large over or underestimations, as you could run into difficulty when making a claim, or you could be paying for more than you need. 
Guide to cheap motorhome insurance compare campervan insurance options

3. Improve security

Vigilance is a key part of responsible motorhome ownership. 

By improving your motorhome’s security measures and being attentive to your surroundings, you can reduce the risk of theft. Start with the basics: always know where your keys are and keep them hidden when you’re not using them. 

Fit your motorhome with an alarm that will alert you in the event of a break-in. Take more extensive measures and invest in a wheel clamp to prevent thieves from driving away with your vehicle. 

If you park at home, consider putting bollards in your driveway to block thieves. Bright, motion-activated lights can help too.

You may be offered cheaper premiums by showing insurers you’re serious about lowering the risk of theft-related incidents.

4. Increase your voluntary excess

Taking on more financial responsibility in the event of a claim can make your insurance more affordable.

Voluntary excess is the amount you agree to pay if you’re involved in an accident. So, if something happens and you need to claim on your insurance, you'll have to pay more before your provider steps in. Remember, a voluntary excess is payable over and above any compulsory excess that may exist on your insurance policy.

But day to day, your insurance could be cheaper. It's a balancing act — you could save money now with lower premiums but risk higher costs in case of a claim.
Guide to cheap motorhome insurance compare campervan insurance options

5. Gain additional qualifications

A smart way to try and make motorhome insurance more affordable is by gaining additional driving qualifications.

Advanced driving courses, like those offered by the Institute of Advanced Motorists or the Royal Society for the Prevention of Accidents, can demonstrate to insurers that you’re committed to safe driving.

With these courses, you’ll be able to hone your motorhome handling skills. Your advanced proficiency could be reflected in reduced premiums!

6. Pay for annual cover

How you choose to pay for your insurance can impact the cost. 

Most providers offer two main payment options: monthly or annually. While paying monthly might seem convenient, making one annual payment can often lead to savings.

This is because lump-sum payments reduce administrative work for the insurer and eliminate the risk of missed payments.

It’s a method that not only can save money over the course of a year but also simplifies your financial management. You can enjoy your motorhome adventures without concerning yourself with monthly transactions.