Motorhome Insurance Cost Average UK

American motorhome insurance UK, Insurance for all American RV's, Multiple quotes from panel of UK brokers

American Motorhome Insurance UK Comparison

An American motorhome or RV is perfect for those in the UK that are after a little more room and comfort when touring the UK or Europe. Investing in an American motorhome will provide added comfort  and luxury that comes as standard with these larger motorhomes. 

Normally to obtain comfort motorhome insurance the Motorhome must have been purchased from a dealer in the UK. If you have imported the RV, there are more restrictions and qualifications before an insurance policy can be taken out.

American Motorhome Insurance

Just like all types of motor vehicle insurance in the UK, there are different levels of coverage that can be obtained. The lowest coverage is also the cheapest. This is third party insurance. It only covers the cost of the other driver’s vehicle and medical bills if you are the cause of the accident.

Because an imported American motorhome is such a large investment, a comprehensive American motorhome insurance policy should be considered. This makes it possible to retain your investment even if it is involved in a motor vehicle accident.

What is Motorhome Insurance Average Cost 

The average costs of motorhome insurance in 2021 will depend on a number of factors. Top of the list is the value of your Motorhome, the more expensive, the higher the premium. Determining the final costs follows the same guidelines as workout out the average cost of insurance for a static caravan. A rough estimate would be between GBP300- - GBP400 for a motorhome valued at GBP40,00 or under.

Insurance for all American motorhomes

Like cars, many American RVs are imported into the UK every year. American motorhomes are typically large and ooze luxury. The size which is similar to a British coach, the luxury, the build quality and craftsmanship all go towards making these a popular import to Britain. 

The one downside to keep in mind that these are mostly fuelled by petrol and this can make them costly if you are on the road all the time. However, the extra size, comfort and luxury that these imports provide may outweigh the higher fuel costs. 

The  two most popular American imports are the Winnebago and the Concorde. As these vehicles are much larger than the average static caravan you may need an additional driving licence requirements on your standard licence in order to drive legally.

Whatever the make or model we can provide you with multiple insurance quotes from a select panel of UK brokers that deal exclusively in providing this type of cover. Get started by electing the get quote button and compare brokers like Aviva and Comfort motorhome insurance.

American motorhome Insurance benefits and options

All motorhome policies can be tailored to your individual requirements and may include a mix or all of the following: 

  • Windscreen replacement cover
  • Cover to include contents and camping gear an upper limit is generally applied, £5,000 being a typical cap.
  • Fully comprehensive or third party fire and theft
  • Cover for entertainment system, including your state-of-the-art smart 12 volt caravan TV
  • Driving in Europe
  • Replacement vehicle or alternative accommodation
  • Lock and key replacement
  • New for old motorhome replacement is possible if the vehicle is stolen and the RV is 2 years old or less, has 24,000 miles or fewer on the odometer or more than 60% of the listed value of the RV is damaged.

Ways to reduce your American comfort motorhome insurance premium 

Because of the high purchase price of an American motorhome plus extra costs for imported parts, insurance can work out expensive. However, you can take measures to reduce the American motorhome insurance premium, we have listed some suggestions below.

  • Speak with your broker about increasing the excess level for a reduced quote
  • As in any driver related insurance having a clean driving history will work to your benefit. If possible only add drivers that have good history of no claims' bonus (NCB). This fact alone should see the insurance cost go down.
  • Restrict your annual mileage, less time on the road equates to less risk and a lower premium. Most owners of RV's only use their motorhomes a few times a year. If you are in this club, then make sure to let your insurance provider know that your annual mileage will be low. The exact figure can be agreed with the broker.
  • Keep to named drivers and if possible make sure they are over 25 and have held a licence for at least 1 year
  • Join a club that is associated with motorhomes or caravans, for example the caravan club. This gives the insurer proof that you are an enthusiastic customer that will look after their RV

Compare American motorhome insurance 

American motorhomes or RV’s tend to be large and are usually fitted out with expensive items and the latest gadgets, for example a smart caravan TV. As such insurance will be much higher than, say a small VW camper van. To find the best deal, do your homework and find what are the options currently available in the UK marketplace. One avenue is to get comparison quotes for American comfort motorhome insurance from a range of brokers. Compare Static Caravan Insurance works in partnership with QuoteZone that provides this service. To begin your comparison journey select  start your quote (below) and enter your America motorhome insurance requirements.

Scroll to Top