Motorhome insurance is a legal must-have. But it can also be a reassuring policy to have in your back pocket. Motorhome insurance can protect your pride and joy from a host of risks that can happen at any time, like theft and damage. As a specialist leisure and motorhome insurance broker, we work with a panel of specialist insurers to help find a policy that works for you and your vehicle.

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Our motorhome policies are packed with features to keep you exploring.

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Motorhome breakdown insurance

From RAC with many key features to help keep you on the move!

Your motorhome insurance specialists

Wherever you take your motorhome, whether by the coast or the countryside, chances are it will carry expensive and valuable items you’ll want to protect. From personal belongings and built-in fixtures to lost keys, motorhome insurance covers you for things that standard car insurance typically won’t. Need support to get started? Our friendly UK-based team are happy to help answer any questions you have and help arrange a policy to suit your requirements.

Key features of a typical motorhome insurance policy

Holiday Let Insurance

Personal belongings included

Self Conversion Insurance

Self-conversions covered, even if not finished

No Mileage Cap

No mileage cap on some policies

Replacement Key Insurance

Cover for new keys in case of theft/loss up to £500

Camping Equipment Insurance

Camping equipment included in cover

Windscreens And Window Repairs

Damage to windows or windscreen covered

Why choose Lifesure for motorhome insurance

We’ve been arranging insurance for motorhomes in the UK for over 40 years, so we know how to find a policy to suit you.

With our average 4.8 out of 5-star reviews* on Feefo, our customers frequently share that they’re fans of our affordable policies and superb customer service. It’s why we’ve earned the Feefo Platinum Trusted Service Award for four years in a row.

Our award-winning agents are always happy to help. Call them on 01480 402 460 for a new quote or to help with any changes to an existing policy. You can also quickly access your policy details and documents on our MyLifesure online customer portal. From here, you can send us a secure message and update your details.

*Correct as of October 2024

What does Lifesure’s motorhome insurance cover?

Our motorhome insurance can help to make sure your pride and joy is properly protected. But remember, no policy protects you against every scenario, so it’s always best to read your policy documents to understand the conditions and exclusions that apply.

What’s covered

  • Comprehensive cover for motorhomes, worth up to £75,000
  • Up to £3,500 of personal possessions cover for your treasured items
  • No mileage cap on some policies
  • Self-converting cover options to protect you while off the road
  • Damage to windows or windscreen
  • Fire and theft cover
  • Awnings, gas bottles and generators are all protected
  • Contribution towards replacement keys in case of theft or loss
  • Discounts for lower than average mileage
  • Alternative accommodation covered at no extra cost
  • EU cover

What’s not covered

  • Deterioration or wear or tear
  • Loss or damage if your motorhome hasn’t been properly secured, with doors and windows fastened
  • Loss or damage to a trailer or caravan, whether attached to your motorhome or not
  • Excluded drivers, including drivers without a driving licence and disqualified drivers

Optional Extras

  • Key cover for the costs to repair or replace keys in the event of damage, theft or loss
  • Vehicle excess protection reimburses you for the excess on your vehicle insurance policy following a claim on your vehicle insurance
  • Accidental death & personal accident provides a benefit payment for death or certain bodily injuries while driving or travelling in the insured vehicle
  • Substitute vehicle and legal expenses provide cover for the recovery of uninsured losses and motoring prosecution defence. If your insured vehicle is undriveable or has been written off as a result of an incident which is insured by your motor insurance policy, we will arrange to supply you a substitute vehicle
  • Motorhome breakdown (UK) roadside recovery and at home assistance in the UK provided by the RAC.

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

More reasons to choose Lifesure for motorhome insurance

Support with claims

Need to make a claim on your motorhome insurance policy? Our insurer partners have dedicated claims teams ready to guide you through every step of the process. We know claims can be a stressful time, so if you need further support our Customer Care Champion is there to help, for additional peace of mind.

Make a claim

Refer a friend for rewards

As a Lifesure motorhome insurance customer, you can use our 'Refer a Friend' scheme. When you recommend us to friends, family, or neighbours, you could earn a £40 e-voucher reward. Find out more and start earning here.


Motorhome policy information

Please note: While the policy documents below are labelled 'motorhome’, they apply to both campervan and motorhome insurance customers.

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Lifesure motorhome insurance (renewal on/after 01.01.23)
PDF 314.71 KB
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Ageas optima motorhome insurance
PDF 415.96 KB
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AXA motorhome insurance
PDF 990.2 KB
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LV broker highway specialist vehicle (motorhome) insurance
PDF 3.17 MB
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KGM specialist vehicle (motorhome) insurance
PDF 1.17 MB
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Lifesure RAC motorhome breakdown policy
PDF 8.44 MB
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Key cover insurance (renewal on/after 01.01.24)
PDF 244.71 KB
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Key cover insurance (renewal on/before 31.12.23)
PDF 222.41 KB
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Substitute vehicle and motor legal policy insurance (renewal on/after 01.01.24)
PDF 225.02 KB
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Substitute vehicle and motor legal policy insurance (renewal on/before 31.12.23)
PDF 198.05 KB
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Vehicle excess reimbursement insurance (renewal on/after 01.01.24)
PDF 364.03 KB
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Vehicle excess reimbursement insurance (renewal on/before 31.12.23)
PDF 506.59 KB
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Accidental death and personal accident insurance (renewal on/after 01.01.24)
PDF 424.59 KB
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Accidental death and personal accident insurance (renewal on/before 31.12.23)
PDF 427.11 KB

Insurance partners

Our motorhome insurance reviews

Flexible payment options

Motorhome insurance is simple with Lifesure. It helps that we have multiple payment options, such as instalments by financed direct debit, debit card, credit card, BACS, or bank transfer. You can spread the cost to make payment more manageable. We work with Close Brothers Premium Finance to enable you to pay in regular instalments*.

Flexible payment dates, online account management, and credit agreement renewal can make it easier to establish appropriate protection.

*We work with a third party company called Close Brothers Premium Finance Limited (‘CBL’), which manages instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to CBL and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with CBL. If CBL agrees to provide you with credit you will receive a welcome pack including a credit agreement from CBL, which you will need to sign and return to CBL. Please note that CBL has its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to CBL. Paying by monthly direct debit via CBL will cost more than paying by one off payment.

Ways to pay

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Frequently Asked Questions:

Do I need motorhome insurance?

Yes, motorhome insurance is essential for several reasons. Firstly, it’s a legal requirement in the UK, meaning you cannot drive your motorhome on public roads without insurance, similar to car insurance laws. Failing to have the proper cover could result in fines, penalties, or your motorhome being impounded.

Secondly, motorhome insurance can protect you financially by covering accidents, theft, or damage to your vehicle. Whether it’s a minor collision or major repairs, having insurance can mean you won’t have to bear the full cost.

It can also provide coverage for personal belongings inside your motorhome, which is especially important if you use it for long trips or holidays. Plus, motorhome insurance can cover third-party liability, meaning you’re protected if you cause damage to other vehicles, property, or people while driving.

Who needs motorhome insurance, and what are the benefits?

It’s a legal requirement to have motorhome insurance if you drive a motorhome. It’s also handy, as it can cover repair costs after an accident, protect you from theft and damage, and offer you peace of mind while you’re on the road.

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

The main differences between these insurance premiums are dictated by the differences in size, value and usage. Therefore, insurance premiums can vary depending on:

  • Security: Motorhomes often require greater security measures due to their size and value compared with campervans. This can influence insurance premiums between these two vehicles.
  • Value: There is also a price difference between many motorhomes and campervans, with motorhomes often being more expensive to purchase due to their greater size and built-in living spaces. Therefore, it is common for motorhome insurance to have higher premiums to cover replacement or repair damage to a more expensive vehicle.

Can I drive a motorhome on my car insurance?

Generally, you can't drive a motorhome on your regular car insurance. Motorhomes usually need dedicated insurance because they’re larger and have different risks than cars.

Can I drive a motorhome in the UK with a standard car driving license?

Whether you can drive a motorhome will depend largely on when you received your UK driving license. Those who were issued their license before 1997 will be able to drive any vehicle over 7,500kg (category C1) which covers the majority of UK motorhomes. If you received your license after 1st January 1997, you are only eligible to drive vehicles weighing up to 3,500kg (also known as category B and B1 vehicles). Most UK motorhomes should fall within this weight category, except for American RVs which are typically heavier. It is always best to check the back of your driving license and the weight of your vehicle before driving a motorhome. For more information, read out handy guide on licenses for motorhomes.

What is the minimum age to insure a motorhome?

Many insurance companies, including Lifesure, require drivers to be at least 21 to be eligible for motorhome insurance.

Is motorhome insurance a legal requirement?

Motorhome insurance is a legal requirement in the UK, just like car insurance. It helps protect you, your vehicle, and others on the road in case of an accident or damage.

How can I make my motorhome insurance cheaper?

There are several ways that could lower your motorhome insurance costs:

  • Improve your motorhome’s security with alarms or trackers.
  • Park in safe, secure areas.
  • Get specialist cover if you have a self-build motorhome.
  • Drive safely to avoid claims and build up your no-claims discount.

For more information, get in touch with our friendly UK-based team.

How can I get motorhome insurance?

Motorhome insurance is easy with Lifesure. Get a quick quote or speak to one of our friendly agents. They’re on hand to help you and find a policy that meets your needs.