Motorhome Insurance & Breakdown Guide

Standard comparison websites often struggle to price leisure vehicles accurately, sometimes treating them like ordinary cars or commercial vans.

The Strategy: Check quotes directly with specialist leisure vehicle brokers and underwriters. Big names trusted heavily within the motorhome community include:

Comfort Insurance

Renowned for dedicated motorhome packages (often backed by major underwriters like Aviva) offering great policy benefits like EU cover and high personal effects limits.

Caravan Guard

Highly rated for competitive pricing and comprehensive leisure-specific cover.

Adrian Flux

Excellent for bespoke modifications, imports, or unique setups.

Shield Total Insurance & Peter Best Insurance

Both offer robust specialist policies built specifically for motorhomes and campervans.

Many insurance providers try to bundle breakdown cover into your main policy as a pricey add-on.

The Strategy: Buy your motorhome insurance and breakdown cover separately to open up a much wider pool of options.

The Bank Account Loophole: Some premium packaged bank accounts offer “free” or included breakdown cover as a perk.

Nationwide FlexPlus Breakdown Cover

ASDA Money

NatWest Reward Platinum

Crucial Warning

If you go this route, always check the small print. Standard bank breakdown policies are built for ordinary cars and will often reject or fail to cover vehicles over 3.5 tonnes, or those exceeding specific length and height limits. Make sure your vehicle’s exact weight and dimensions are fully accommodated.

It’s easy to overestimate how many miles you’ll tour in a year “just in case,” but insurers charge you based on risk exposure.

The Strategy: Calculate realistically how many miles you actually intend to do. If you only plan on 5,000 miles a year, make sure your policy reflects that rather than defaulting to a generic 10,000-mile bracket.

It sounds counterintuitive that adding another person to a policy could lower the price, but insurers love stability.

The Strategy: Including your wife or partner as a second driver often reduces the quoted price. This is especially true if you both have clean driving licences and a similar amount of No Claims Bonus (NCB), signalling a lower-risk, family-oriented profile.

When insuring a motorhome, you need the correct market or replacement value, but guessing too high inflates your premium.

The Strategy: Check the current market value of your specific Roller Team model. Over-valuing means paying higher premiums for a pay-out you’ll never realistically need. Conversely, aim for what it would genuinely cost to replace it with an equivalent model tomorrow.

Motorhomes are high-value targets, and insurers reward physical security measures that deter thieves.

The Strategy: Invest in extra security and make sure your broker knows about them. Key additions include:

• Upgraded alarms and immobilisers.

• Thatcham-approved trackers (frequently required by insurers for higher-value vans).

• Heavy-duty driveway posts

• Security cameras covering your driveway or storage pitch.

• Wheel clamps – especially well known makes

• Steering wheel clamps