How Much is Motorhome and Campervan Insurance

How Much is Motorhome Insurance?

If you're planning to invest in a motorhome, one of your major recurring costs will be insurance. According to Compare the Market, 51% of customers were quoted less than £417.47/year for motorhome insurance in July‑September 2025.

That gives us a useful benchmark: many motorhome owners are paying under ~£420 annually.
However, actual premiums vary based on factors such as:

• Driver age and experience.
• Vehicle security, where you park it, how often you use it.
• Make/model/value of the motorhome, the cover level (third‑party, fire & theft, comprehensive).
• Annual mileage, use (holiday only vs commuting vs full‑time living).

So while you might expect roughly £300‑£500/year for many average motorhomes in the UK, you should get personalised quotes to see your exact cost.

How Much is Campervan Insurance?

Campervans often cost less to insure than larger motorhomes because they’re frequently smaller, simpler and used for leisure rather than full‑time living. On the Compare the Market site it says you can compare campervan insurance (as long as the vehicle has fixed cooking, sleeping and storage facilities or is classed as a “motor caravan” on the V5C).

 
There isn’t a specific national average published in the article for campervan vs motorhome, but it’s reasonable to expect a lower premium for many leisure‑only small campervans.

Is Campervan Insurance Cheaper than Van Insurance?

Yes — often. Because a regular van is typically used for commercial purposes (which carries higher risk), whereas a campervan used for leisure may be lower usage, more securely stored, less business‑driven. The insurance provider’s risk exposure is usually lower with a campervan, so insurance tends to be cheaper — provided it meets the criteria (fixed sleeping/cooking, etc).

Compare the Market highlights that if you've converted a van and it’s not recognised as a motor caravan, you may need specialist modified van insurance which could cost more.

How Much is Road Tax for a Motorhome?

Road tax (Vehicle Excise Duty) for motorhomes in the UK depends primarily on ‘revenue weight’ or ‘maximum authorised mass’ (GVW/MAM). According to Compare the Market:

• If the motorhome revenue weight is 3,500 kg or less and up to 1,549 kg: £220/year.
• If the revenue weight is 3,500 kg or less and over 1,549 kg: £360/year.
• Motorhomes over 3,500 kg (classed as private heavy goods vehicles) pay £171/year.
  These numbers provide strong guidance on motorhome road tax costs.

Is Campervan Tax Cheaper than Van Tax?

Often yes — provided the campervan is classified in a favourable tax band (e.g., under 3,500 kg) and used primarily for leisure rather than business. Because many campervans are lighter and used less frequently, their tax can be lower than commercial vans. The data above for motorhomes applies as a reference, and many campervans will fall into the lower end of the tax spectrum.

Source: Compare the Market