Motorhome Insurance

Insurance for motorhomes up to the value of £120,000. Third-party fire and theft cover, as well as comprehensive policy options, including medical expenses, windscreen/windows, personal belongings, AV and equipment cover.

About Motorhome Insurance

Test Icon1

Flexible motorhome insurance

Cover for social, domestic and pleasure motorhomes up to £120,000.

Test Icon2

Two levels of motorhome cover

Third Party Fire and Theft or Comprehensive policy options.

Test Icon3

Comprehensive policy options

Offers medical expenses, windscreen/windows and personal belongings cover.

Test Icon4

No claims bonus

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

Features of Motorhome Insurance

Standard cover

Public liability cover

We offer motorhome insurance for vehicles up to the value of £120,000. 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 (Comprehensive cover)

In the event of an accident, our comprehensive motorhome 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.

Windscreen and windows (Comprehensive cover)

The glass parts of the motorhome are likely to be the most fragile. 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 (Comprehensive)

As part of our comprehensive motorhome 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 motorhome 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 motorhome insurance policy includes loss of, or damage to, permanently fitted equipment g up to £500.

Motorhome Insurance FAQs

Question

Am I eligible for this Insurance?

Answer

See the checklist below; if these match you and your vehicle, then you may qualify for a quote.

  • You are between the age of 25 and 74
  • 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

Question

How many people can I allow to drive my motorhome?

Answer

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

Question

Can I take my motorhome abroad?

Answer

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.

Question

Can I protect my No Claims Bonus?

Answer

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

Question

Can I insure myself for Third Party Damage Only?

Answer

Unfortunately, not. We can only offer Third Party Fire and Theft cover and Comprehensive cover.

Question

Are there any notable exclusions on my motorhome insurance policy?

Answer

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

Question

Where can I find full details of my policy?

Answer

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.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 01536 677013 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim