Written by Graham Cutbill-White
Motorhomes are far more than a way of getting around, for most motorhome drivers, it’s a way of life. Spending a lot of time on the road surrounded by your family, friends, and worldly possessions mean that a campervan is far more than just a vehicle. It’s a home away from home.
Whether you’re a year-round motorhome or campervan user or someone who uses them occasionally for a holiday, just as with traditional brick and mortar homes, you’ll want to make sure it’s protected no matter what happens.
While insurance for your motorhome is a legal requirement because it’s used on the road, having a policy gives you peace of mind that should the worst happen, your home is protected.
For owners who live in their motorhomes or campervans throughout the year, an annual motorhome insurance policy is likely to be the best value. But for those occasional motorhome users, there is a better, more affordable, more flexible insurance option. That’s where temporary camper van insurance comes in.
The only way you could drive a campervan on your existing annual policy would be to add the camper as a second car, through a multicar-type insurance cover arrangement.
But not all insurers would be willing to insure the van, particularly since many camper vans have had modifications, which they view as a big risk. Either way, it’s likely to push your premium up significantly, which is uneconomical if you don’t really use your camper much.
Temporary campervan insurance is a great alternative for anyone who thinks an annual policy might be more cover than they really need.
There are many reasons for occasionally using a motorhome, from a summer holiday to trip abroad, to simply picking up a new motorhome and wanting to drive it home before arranging annual cover.
Whatever your situation, if you’re only using the vehicle for a couple of days or a few of weeks, you won’t want to have to pay for a whole year’s worth of insurance.
With temporary camper van insurance, you only pay for the cover that you actually need. Simply select the policy duration you want, from 1 day up to 28 days, tailor the policy to suit your situation and you’re covered.
You get the highest level of insurance – comprehensive cover – as standard and once the duration you’ve selected has finished, your policy ends. There are no long-term contracts and you’re not tied into anything – it’s as simple as that.
It’s the perfect insurance option for anyone borrowing a campervan from a friend or family member, as it protects their no claims discount.
Unlike becoming a named driver on their existing annual policy, temporary campervan insurance is separate, standalone policy which has no impact on any other cover on the motor home.
If you were to have an accident as a named driver while driving the motorhome, the vehicle owner would lose their no claims discount, without even being behind the wheel. With temporary camper van insurance, you and the vehicle owner are covered. Any claims would be made on your short term policy – with nobody’s annual cover having to be involved.
As a UK resident with temporary motorhome insurance, you’re free to travel across to the continent and around the EU. With your short term policy, you get EU cover as standard, but this only gives you the minimum legal cover required by the individual country – which in the UK would be third party only but this differs from country to country.
It’s also important to remember that the motorhome must be in the UK at the start and end of the policy, so this arrangement would not be suitable if you’re hiring and picking up the vehicle once you’re out there.
It’s incredibly simple to get a short term motorhome insurance quote from Tempcover. You can retrieve yours in minutes online at any time, or over the phone with our helpful customer care team.
To get a quote you’ll need to answer a few basic questions about yourself and the vehicle you want to insure. We aim to make everything as quick and easy as possible, so there are no difficult questions, you’ll simply need to provide the following information about yourself of the person who will be the policyholder:
You’ll also need to provide some information about the vehicle you want to insure, including:
Our short term motorhome insurance will be provided by one of the many insurers we work with, and they each have their own criteria for who can get a quote.
All insurance policies are judged on risk, and what the risk is that a person or a person’s situation (location, occupation, reason for insurance and so on) will affect the likelihood of a claim. Unfortunately, insurers can’t cover everyone. Some are seen as too much of a risk and each individual insurer uses their own experience to decide who they will and won’t offer cover to.
We’re confident we can offer cover to most drivers looking for short term campervan insurance, and you should be able to get a quote if you:
Further exclusions may apply, and we are unable to offer short term motorhome contents insurance – be sure to check the declaration page during the quote process.
To find out how much you could save, get an insurance quote for motorhome cover.