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Flexible insurance for your motorhome or campervan

Protection for your open road adventures

  • Build your own policy
  • Discount available
  • Underwritten by ERS
  • UK customer service team

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What is motorhome & campervan insurance?

Motorhome & campervan insurance is financial protection that covers you when your vehicle is parked up or on the road. A policy can include cover for traffic accidents, theft, or personal injury for you and your passengers.

Through Ripe, you can cover your motorhome or campervan including campervan conversions, so you can focus on exploring the UK & beyond in your vehicle.

Why should I consider motorhome & campervan insurance?

For most, your motorhome or campervan is your pride and joy, allowing you to explore and enjoy the great outdoors from the comfort of your own vehicle. That’s why, if the unexpected happens, such as theft, road accidents or malicious damage, it's important to consider protecting yourself and your vehicle from the costs associated with unexpected damage.

Insurance for your motorhome or campervan is also a legal requirement if you drive your vehicle on public roads.

Why choose Ripe for motorhome & campervan insurance?

European Cover

Extended cover to include travel to a range of countries across continental Europe for up to 90 days in one trip or 180 days in the year.

Simplicity is the key

We’ve made sure everything’s taken care of, with automatic checks including driving licence validation and claims experience, resulting in a speedy online quote and buy process.

Conversions covered

If you’ve been creative and made your home on wheels your own, cover can be provided for DIY conversions too.

Explore Page

Our cover
Important documents
Why choose us?
FAQs

What does motorhome & campervan insurance cover?

What's covered

  • Public Liability cover
    Unlimited cover for death or injury caused to a third party. £20m cover for damage caused to someone else’s property. £5m cover for legal costs

  • Theft, accidental damage, fire, and flood cover

  • Equipment and accessories

  • New-for-old cover
    If your motorhome or campervan is bought new, less than 2 years old, and has done fewer than 12,000 miles

  • Emergency accommodation cover
    Hotel or replacement vehicle hire

What's not covered

  • Carrying more than 8 passengers

  • Claims made when renting out your motorhome or campervan

  • Can’t be primary residence
    Or slept in for more than 9 months of the year

  • Motorhome or campervan being used for business

  • Claims where driver does not have a licence or is disqualified

What's optional

  • Enhanced windscreen cover

  • Personal accident
    Serious injury or death following an accident in the motorhome or campervan

  • Continental Europe
    Up to 90 days travel in one trip or 180 days in the year

  • Legal expenses
    Legal costs for personal injury, uninsured loss recovery, property infringement, property damage and identity fraud. Plus access to a 24/7 legal advice helpline.

  • Key cover
    Up to £1,500 to replace keys and locks

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Meet our expert

“Additional security measures can help make your insurance cheaper. Fitting wheel clamps, alarms, trackers and other security devices can help bring your insurance cost down.”

Dan Dawson

Head of Underwriting

Check out profile

Refer your friends and you'll both be rewarded

If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!

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How much does motorhome & campervan insurance cost?

The cost of your motorhome and campervan insurance can vary depending on various factors, such as:

  • the monetary value and age of your vehicle
  • your no claims bonus
  • where you live
  • your annual mileage
  • whether you have any additional drivers on your policy
  • what security measures you have in place
  • personal circumstances such as your driving experience and age

The quickest way to check how much your motorhome or campervan insurance could cost through Ripe is to get a free online quote.

How can I make my motorhome & campervan insurance insurance cheaper?

  • Security measures
    • Fitting trackers and alarms to your campervan can help bring the cost of your insurance down. Wheel clamps are also a good security measure
  • Parking
    • If it’s an option for you, keep your motorhome in a garage, secure car park, or on a driveway
  • Driving qualifications
    • If you have advanced driving qualifications, this can help bring the price of your insurance down

 

Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

Frequently Asked Questions
  • Can I drive a motorhome or a campervan using my car insurance?

    • Some motorhomes or campervans can be covered under car insurance if they are quite small. However, the vast majority of insurers will require you to take out specialist insurance. Contact your car insurance provider if you require more information.

    Does my home contents insurance cover items in my motorhome or campervan?

    • If you have out-of-home cover included in your contents insurance, then some items will be insured while inside your motorhome or campervan. However, this does not apply to everything and won’t usually cover items that are in your motorhome or campervan full-time (e.g., TVs, dishes and plates, etc.)

    Is motorhome or campervan insurance a legal requirement?

    • Motorhome or campervan insurance is a legal requirement if you drive your motorhome or campervan on public roads. If you keep your motorhome or campervan off the road permanently, then you can apply to the government for the insurance to be waived. However, you will still need to purchase insurance in the future if you take your motorhome or campervan onto public roads.

    Do I need a special licence to drive a motorhome or campervan?

    • The type of licence you need to drive a motorhome or campervan depends on the weight of the vehicle and when you obtained your driving licence.

      If you passed your driving test before 1st January 1997, then you will be able to drive the vast majority of motorhomes or campervans without a special licence. However, if you passed after 1st January 1997, you can only drive vehicles that weigh up to 3,500kg with a trailer weighing a maximum of 750kg.

      If your licence is not valid to drive your motorhome or campervan, then you need to obtain an entry-level HGV licence.

    What’s the difference between a motorhome and a campervan?

    • Motorhomes have permanent fixtures and clearly defined areas for driving and living. On the other hand, campervans tend to have very basic facilities and are a lot smaller.

    How would I be covered if I crashed my motorhome or campervan?

    • To be protected by your insurance in the event of an accident, you will need comprehensive cover. This cover could also include arrangements to get you, your motorhome and your possessions home if your vehicle is written off. However, cover can vary, so make sure you check your policy documents carefully.

    How do I estimate my mileage?

    • If you drive your motorhome or campervan regularly, you can simply take the typical number of miles you drive in a week and multiply by 52 to get your annual mileage. If you use your motorhome or campervan for occasional longer trips, you will have to figure out the distance in miles you will be travelling for each planned trip. Apps like Google Maps can be helpful for figuring out the estimated mileage of each journey.

Motorhome and campervan guides

Motorhome and campervan blog

Motorhome and campervan expert tips, advice and guides

You’ll find all of our blogs and guides including DIY, travel tips and everything you need to know when hitting the road, or parking!

Motorhome & campervan blog

Campervan conversion on a budget

Guide to converting your campervan on a budget

Explore our guide on converting your campervan, including what to consider, what you might need for your conversion and how to do it all on a budget.

Read the campervan conversion guide

Why choose us?

  • Specialists at your side

Not only are we insurance specialists, but should you need to make a claim, you can be confident it will be handled by a team of motorhome and campervan specialists at ERS.

  • We’ve got lots of happy campers!

Ripe is rated Excellent on Trustpilot and we’ve also got over 350,000 customers who choose us for their insurance.

  • Only a call away

Feel comforted knowing that if you need us at some point on your journey, our UK based team are only ever a quick call away.

  • Save on price not quality

As well as getting flexible and specialist cover, there are also discounts available to help protect your pocket too!

Find out more

Content reviewed: 10th January 2025

Reviewed by: Dan Dawson

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