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About Campervan Insurance


Campervan breakdown cover

Stay on the road with campervan breakdown cover, including roadside assistance, towage and garage repairs.


EU cover included

Our campervan insurance comes with 365 days of EU cover in EU countries for your chosen cover level.


Add additional drivers

Want to share the driving? Name up to 3 additional drivers on your campervan insurance policy.


No claims bonus

Our campervan insurance policy includes a no claims bonus where applicable.

Features of Campervan Insurance

Standard cover

Public liability cover

We offer campervan insurance for vehicles up to the value of £250,000. Public liability cover is included in both our third party fire and theft as well as our Comprehensive policies. Damage is covered up to £20,000,000 in the event of damage to the property of, or injury to a third-party. We will also pay up to £5,000,000 for any costs arising from the claim. This cover only applies to towing if motorhomes are secured by the manufacturers recommended instructions.

Medical expenses

In the event of an accident, our comprehensive campervan insurance policy will pay the medical expenses up to £500 per person involved and/or injured (with no excess). In more serious situations, i.e., loss of sight, loss of limb, death, etc; the personal accident benefit will pay out larger amounts, providing financial and medical support to our customers. Please note that an excess charge may be required.

Campervan insurance for windscreen and windows

Repair or replacement of damaged windows or windscreen is included as standard on comprehensive policies. If the glass can be repaired rather than replaced, we will not charge an excess. While there is no limit on windscreen damage, damage to glass sunroofs, lights, or reflectors are not covered on our motorhome insurance policies.

Personal belongings

As part of our comprehensive campervan insurance policy, you have cover of up to £2,000 for personal belongings. This includes, linen, cutlery, utensils, furnishings, clothing, and other camping equipment used in conjunction with your motorhome. This does not include property taken from an unlocked vehicle or property which has not been properly protected from loss or damage. In respect of awnings, gas cylinders and generators, we will pay up to £1,000.

Additional cover

Cover up to £120,000

If your campervan is written off or stolen and less than a year old in the event of a claim, we will give replace it with a new one of the same make, model, and specification.

AV and tracking equipment cover

Our comprehensive campervan insurance policy includes loss of, or damage to, permanently fitted equipment up to £500.

Campervan Insurance FAQs


Am I eligible for this campervan insurance?


You may qualify for a campervan insurance quote if:

  • You are between the age of 25 -80
  • The vehicle you wish to insure is registered and normally kept in Great Britain.
  • You will be using it for social domestic, and pleasure purposes only
  • The motorhome is no more than 29m in length
  • The value of your campervan is between £1000 - £250,000


How many people can I allow to drive my campervan?


Provided they are named on your campervan insurance policy, you can have up to 3 additional drivers.


Does the age of my campervan matter?


We are able to provide insurance for campervans up to 40 years old.


Are there any notable exclusions on my campervan insurance policy?


Full terms and conditions are available on request from your Towergate advisor, and in your policy documents.


My campervan is self build, can you provide insurance for it?


We are unable to insure self build campervans.


Can I take my campervan abroad?


Yes. You automatically receive 180 days of European cover for the type of insurance you have chosen: either Third Party Fire and Theft or Comprehensive cover.


Does this insurance include campervan breakdown cover?


This cover includes AA campervan breakdown cover in the UK for vehicles under 20 years old. EU cover is also included as standard for any road trips throughout the EU, 365 days a year.

This cover includes roadside assistance, towage and garage repairs up to the value of £250 for motorhomes up to 3.5 tonnes and up to the value of £2000 for vehicles above 3.5 tonnes.


I only need campervan insurance for a short period, is this possible to arrange?


We are unable to provide short-term campervan insurance, as our policy is valid for 12 months.


Will I be able to pause my campervan insurance during winter?


Unfortunately, it is not possible to suspend your cover during winter. This is because you are legally required to have active campervan insurance even when your vehicle is not in regular use.


Can I protect my no claims bonus?


Yes. Provided you have been five years claims free on your motorhome insurance, you will have the option to protect your no claims bonus.


Can I insure myself for third party damage only?


Unfortunately, not. We can only offer third party fire and theft cover and comprehensive cover.


Where can I find full details of my policy?


We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.