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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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Trustpilot

What do our customers say?

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.

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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
    Cover for additional items for your motorhome or campervan (e.g. awnings, utensils, camping equipment, etc.)

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

  • Emergency accommodation cover
    Covers cost of hotel accommodation or replacement vehicle hire if your motorhome or campervan is stolen, damaged, or uninhabitable and you’re more than 50 miles from home

What's not covered

  • Carrying more than 8 passengers

  • Claims made when renting out your motorhome or campervan

  • Can’t be primary residence
    Motorhome or campervan also can’t be 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
    Cover for serious injury or death following an accident in the motorhome or campervan

  • Continental Europe
    Extended cover to include travel to a range of European countries for up to 90 days in one trip or 180 days in the year

  • Legal expenses
    Legal costs or expenses to assist recovery of uninsured items relating to personal injury or damage

  • Key cover
    Following damage or theft, 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

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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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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

Important documents

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

Motorhome and campervan guides

Motorhome and campervan insurance

The ultimate guide to motorhome and campervan insurance

You’ll find all the information you need on motorhome and campervan insurance on this page, whether you’re a new or experienced motorhome or campervan owner.

Read our guide here

Motorhome security

Motorhome security: 6 top tips from Motorhome Matt

Motorhome Matt knows a thing or two about motorhome security. We recently caught up with him to get his expert advice on motorhome security, and find out what you can do to keep your vehicle safe both on and off the road.

Read Motorhome Matt's tips here
02 April 2024

How can I make my motorhome and campervan insurance cheaper?
12 June 2024

Do I need a special licence to drive a motorhome or campervan?
11 April 2024

Does my home contents insurance cover items in my motorhome?
Frequently Asked Questions
  • Do I need motorhome & campervan insurance?

    • Yes. It’s a legal requirement that you have insurance if you own a motorhome or a campervan.

    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.

    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.

    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.)

    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.

    What does motorhome & campervan insurance cost?

    • The cost of motorhome or campervan insurance can depend on a number of factors. These include:

      • The price and age of your motorhome or campervan
      • No claims bonus
      • The area you live in
      • Annual mileage
      • Additional drivers, if any
      • Security measures (e.g. any alarms you have, if you keep your motorhome or campervan in a garage)
      • Your personal circumstances (e.g. driving experience, your age)
    How can I make my motorhome or campervan insurance cheaper?

    • If you want to try and make your insurance cheaper, you have several options:

      • Security measures
        Fitting trackers and alarms to your motorhome or 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 or campervan in a garage, secure car park, or on a driveway behind a locked gate
      • Driving qualifications
        If you have advanced driving qualifications, this can help bring the price of your insurance down
    What details do I need when getting a motorhome or campervan insurance quote?

    • If you want to speed up the process of getting a motorhome or campervan insurance quote, make sure that you have the following details to hand:

      • Your details
        Your name, age and address. You will also need the details of any other named drivers you want on your policy.
      • Your motorhome or campervan
        You will need to know the age, model, and make of your motorhome or campervan. Also, the estimated mileage, what fuel it uses, where it’s kept and its current value.
    Why should I consider motorhome & campervan insurance?

    • Our insurance has been designed specifically to make getting the protection you need quick, easy, and at a price we think you’ll love. No unnecessary long phone calls or paperwork to slow you down – in fact you can get a quote online in less than a minute. Our aim is to get you protected with the cover you need as soon as possible, leaving you free to start your next adventure.

    What is motorhome & campervan insurance?

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

    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.

Content reviewed: 18th January 2024

Reviewed by: Dan Dawson

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