Insuring a Campervan

If you own a campervan then you want to make sure it’s properly protected by getting the right type of insurance. Because of the unique risks that come with owning such a vehicle, you want to get a special campervan insurance policy instead of regular car insurance.

Below are the types of cover you can get as well as some ways to save money.

Types of campervan insurance

  • Road risks – Road risks is the minimum level of insurance you’ll need to get in order to make your campervan road legal. If you only want minimal protection at the lowest cost then a third party only policy is the best option. For more protection for your own vehicle then you can get a third party, fire and theft policy or fully comprehensive.
  • European cover – If you intend to travel overseas in your campervan then you’ll definitely need to make sure you’re covered for accidents and other risks while you’re there. It’s always a good idea to research what the different legal requirements are for any countries you’re intending to visit.
  • Breakdown assistance – Having breakdown cover in place is highly recommended when you own a campervan. The last thing you want is to be stuck in the middle of nowhere when your battery goes flat. Most insurance providers will give you the option to have breakdown assistance included in a campervan insurance policy.
  • Windscreen repair – Windscreen repair is often something people don’t think to get included in their motor insurance but it’s definitely a useful type of additional cover to consider, particularly for motorhome owners who often drive in areas where a cracked windscreen is more likely to occur.

Saving money on campervan insurance

  • Get a limited mileage policy – If you only use your campervan for special trips at certain times of the year then you could save a considerable amount of money by getting a limited mileage policy.
  • Limit cover options – Another very obvious way to keep the cost of your insurance to a minimum is by limited cover options. You’ll need to at least get third party insurance in order to drive legally but most other types of cover aren’t a necessity.
  • Get quotes from a lot of providers – Getting quotes from a lot of providers is one of the best ways you can save money on campervan insurance since it enables you to easily compare them and choose the best one.