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Insurance for campervan & motorhome conversions

Protection for your open road adventures

  • UK customer service team
  • Rates 'Excellent' on Trustpilot
  • Dedicated claims team
  • Underwritten by ERS

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Trustpilot

Flexible converted campervan insurance that sets you free

You probably spent hours hand-crafting your beloved motorhome to tailor it to your needs so that’s why we’ve made it as easy as possible for you to build an insurance policy that’s right for you. Get an online quote today in just a few clicks – leaving you to sit back and relax knowing you’re protected.

What does our conversions DIY insurance cover?

Please see below what's covered within our insurance from Ripe for your DIY conversions motorhome and what's not covered. 

What's covered

  • Your vehicle must EITHER be registered with the DVLA as a Motor Caravan OR if not, the living area must include:

  • A permanently fixed bed (including fold down seats)

  • Fixed storage such as cupboards or a wardrobe

  • Professionally fitted cooking or heating installation

  • Permanently secured seating and a dining area

  • A fixed water tank or container

  • A separate door

  • Windows on both sides

  • No bulkhead between the cab

What's not covered

  • Loss or damage if the motorhome is away from it’s usual place of storage for more than 48 hours when not in use

  • Theft or trailers unless attached to the vehicle or secured with hitchlock or clamp

  • Theft or loss through deception

  • Theft if the keys are left in or near the vehicle, or of the windows/doors are left open

  • Mechanical failure or breakdown

  • Vehicle being used for business

  • Loss of keys or the cost of replacing locks

  • Loss or damage of external aerials, satellite dishes etc

Why choose Ripe for your campervan insurance

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

Simplicity is 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.

Don't just take our word for it; see why other motorhome owners choose Ripe:

Trustpilot

Explore Page

Our cover
Important documents
Why choose us?
FAQs

What does 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 (e.g. awnings, utensils, camping equipment, etc.)

  • New-for-old cover
    Cover applies if your 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 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 campervan

  • Can’t be primary residence
    Campervan also can’t be slept in for more than 9 months of the year
  • 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
  • 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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What does campervan insurance cost?

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

  • The price and age of your 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 campervan in a garage)
  • Your personal circumstances (e.g. driving experience, your age)

How can I make my 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 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

What details do I need when getting a
campervan insurance quote?

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

  • Driving licence
    • Info on what type of licence you have and how long you’ve had it
  • Contact details
    • Your name, age and address. You will also need the details of any other named drivers you want on your policy
  • Claims history
    • Have you or other named drivers made any previous insurance claims?
  • Your campervan
    • You will need to know the age, model, and make of your campervan. Also the estimated mileage, what fuel it uses, where it’s kept and its current value

Important documents

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

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 320,000 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

Campervan Insurance FAQs
  • Do I need campervan insurance?

    • Yes. Insurance is a legal requirement if you own a campervan.

    How do I estimate my mileage?

    • If you drive your 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 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 figure out the estimated mileage of each journey.

    Can I drive a campervan on my car insurance?

    • You’ll usually need specialist campervan insurance if you drive a campervan. This is because you will use your campervan for sleeping and cooking as well as driving, whereas you only need to drive your car.

    Does my home contents insurance cover items in my campervan?

    • Some items in your campervan may be covered by contents insurance if you have out-of-home cover included in your policy. However, if you have items that are in your campervan full-time, they will not be covered by home contents insurance.

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

    • Campervans are generally small and have very basic facilities. Motorhomes on the other hand have permanent fixtures and clearly defined areas for living and driving.

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