Campervans Vs Tents: Which Is Better?

Published 18 June 2021 | Last updated 23 September 2025

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In this guide, we compare campervans and tents, looking at the pros and cons of each and when one might suit you better than the other.

A staple tradition of the British holiday, camping in any form whether motorised or not – has been around for years. For just as long, the argument as to which is better, camping with a tent or campervanning (and even caravanning) has created healthy and lively discussions by those passionate for the outdoors.

Here at Just Kampers Insurance, we’ve been insuring camper vans since 1998, and have built a strong reputation for being passionate about campers – particularly classic or modern VWs. In fact, most of our team owns at least one kind of VW camper themselves. However, we’re setting aside our love of VWs to take a broader look at the outdoors market, giving you the essential information you need to decide which option is right for you.

Campervans and a tent beside a lake

Defining Campervans

Often when we discuss campervans, the likes of motorhomes and other luxury touring vans can seem interchangeable. But to simplify this guide, we’re expanding our definition of a campervan. Therefore, any vehicle where the living space and driving space is combined can be considered a campervan – just for the purpose of this article.

In fact, there are several differences between campervans and motorhomes, such as speed limits, or the kinds of equipment available. And the two are very different from an insurance perspective too.

Campervan Insurance

Motorhome Insurance

Tents: Small but Mighty

Modern tents have come a long way, and are now highly engineered bits of kit. For many years, they’ve been the go-to choice for explorers, adventurers, and those who enjoy the simpler things in life. Perfect for space-saving holidays, tents are lightweight, easy to pack up, and quick to set up almost anywhere. Plus, they keep costs low, making them ideal for budget-friendly trips or spontaneous getaways.

Tent in the autumn
Pop-top campervan and chair

Which is more flexible, camping in a tent or a campervan?

When on holiday, the last thing you want is a lot of work and hassle before you can settle and rest. The level of mobility and flexibility you can enjoy from camping or campervanning will vary depending on your preferences. But it will also be impacted by your confidence as a driver, as tents can be easily stowed in the boot or backseat of a car, whereas a camper requires careful driving, especially on winding or narrow roads.

Travelling with a Tent

If you’re on a long trek or a holiday where you’re moving around a lot, and not staying in one location for long, a tent will probably be your best choice. Once it’s set up, a tent doesn’t need much more attention. Just pitch it, make yourself comfortable, and you won’t need to pack it away again until you move on.

Certain high-performance tents weigh less than 2kg and pack downn to a size smaller than a water bottle (excluding poles), so you can travel light and stay flexible. They’re compact, portable, and ideal for saving space on the go.

That said, the experience can quickly change if the British weather turns against you. Heavy rain, strong winds, or even cold temperatures can make life in a tent much more challenging. While they are great for your budget and flexibility, they offer less protection from the elements, which is something to think about when you’re planning a getaway.

 

Tents pitched with a stunning view

Travelling with a Campervan

Campervans are fantastic for their park up and unpack ability. You can simply park your campervan and then enjoy the convenience of having your living essentials and home comforts, including food, stored in the back. Even better, the time taken to set up your camper is often minimal if you’ve prepared it beforehand.

Campers are also ideal for year-round trips. With heating and solid shelter, a campervan protects you from the elements, whether it’s the scorching sunlight or pouring rain.

The only drawback is, when you drive off to explore the local area, you will need to ensure everything is secured down and packed away before leaving. Depending on how many supplies you travel with, this process can be painless.

To overcome this, some families choose to take a car with them as well and park their campervan at a campsite separately. Travelling with another car can make off-site travel easier, especially for those with young children that may need additional car seats.

Campervan parked in the mountains

A Look at Privacy and Security in Tents vs Campers

Campsites are often located in wide-open spaces, such as fields, potentially with no protection from wildlife or the outside world. Those camping in the New Forest, for example, might discover that wild animals, including horses, will be roaming around on-site.

However, the other side of this debate is the matter of privacy.

Privacy and Security in a Tent

When in a tent, it can feel daunting at times as you are very exposed to the outdoor environment. This fear is compounded when protection seems limited, or restricted, to a couple of zipped access points. However, most official campsites are managed with honour policy, meaning campers will look out for, and respect one another.

After a few overnight stays on a campsite, you’ll quickly realise how safe and reassuring a tent can be.

Similarly, basic privacy can be easily achieved with the help of visual aids, such as windows or curtains that zip and close. But, if you don’t want people overhearing your daily conversations, you may prefer a camper, which offers even more layers of privacy.

Privacy and Security in a Campervan

The main difference of a campervan when compared with a tent is the ability to securely lock doors and fasten curtains over windows. This makes them a popular choice for solo campers, as well as young families. They tend to be more secure by design, which often makes them the first consideration for some people.

The only disadvantage to a campervan is the large windows that, to be private, must be covered up, which typically removes all-natural light from the cabin.

Read our handy guide on top campervan security tips, to keep your camper and belongings protected.

Campervans and motorhomes pitched by a lake

 

The Initial Price Difference Between Tents and Campervans

When looking to buy a tent or a campervan, an initial stumbling block for many is the setup cost. A brand-new Volkswagen Camper California 6.1 starts on the market from £54,665 (at the time of writing). Classic models can be secured at lower costs, but this depends on the market rarity, condition, and the availability of what you’re after.

In comparison, a brand-new top spec tent, such as the Vango Oakmere TC 600XL, which is a six-man polycotton tent, has a cost of £840.

But which offers more value?

How much does a tent cost?

The initial cost of a tent isn’t just for the tent itself. You’ll also need to buy sleeping bags, sleeping mats, camping kitchenware and so much more. As you’re sleeping in a thin fabric dome, your home duvet isn’t very practical. But even the warmest sleeper will get cold once the sun goes down.

While you won’t need specialist kit, investing in good quality items from the get-go will last longer and keep you comfier.

What’s the initial cost of buying a campervan?

Campers are slightly different. As you’re buying a car and caravan combined into one, the initial cost will of course be higher. Although, you can use a camper like a car, whether that’s for a holiday, or a trip into town. Therefore, the cost per use may be lower.

However, there is maintenance and roadworthiness to maintain. Regular costs for a campervan may be higher, as the parts cost more. But you also have unique benefits, such as a mode of transport and a warmer living area, along with greater security.

 

Tent pitched beside a tree

 

Summary: So, which is better?

The answer is… it depends on your preferences, lifestyle and what you’re looking for.

If you want a packable option that offers more openness to the outdoors and the ability to pitch and go anywhere, then a tent is better for you.

However, if you want a more luxury approach that acts as a second vehicle, or even as a home on wheels, then a campervan is simply perfect.

If you’re looking for insurance to cover you in a camper while you try it out, Just Kampers Insurance has a Hire Insurance policy for you. Or if you’re looking to get expert-led insurance for your campervan, get a quote today.

 

For more information about tailoring insurance policies to your campervan or motorhome, whether you’re after affordable premiums, or something with that little bit more protection, consider coverage from the experts at Just Kampers Insurance.

What Should I Do and Not Do if I Have an Accident? FAQs

Do I need to tell my insurer about an accident if I’m not making a claim?

Yes, you should still notify your insurer about the incident, even if you don’t intend to claim for damage to your own vehicle. Your policy may require you to report incidents which could potentially lead to a claim, particularly if another driver later decides to make a claim against you.
Reporting the accident promptly also ensures your insurer has a record of your version of events.

How quickly should I contact Just Kampers Insurance after an accident?

You should report an accident as soon as reasonably possible. Having your policy number, details of what happened, information about the other people and vehicles involved, photographs and any witness details to hand can help make the process easier. Just Kampers Insurance customers have access to a claims service 24 hours a day, seven days a week.

Will I have to pay my excess if the accident wasn’t my fault?

If you make a claim through your own insurance policy, your policy excess may still be payable initially. Depending on the circumstances of the accident, you may subsequently be able to recover this from the responsible party.

Your claims handler can explain what applies to your particular claim and whether your excess may be recoverable.

Can legal protection help if the accident wasn’t my fault?

Just Kampers Insurance policies include legal protection, which can provide assistance following a non-fault accident, subject to the policy terms, limits and exclusions.

This can include help pursuing eligible uninsured losses, such as an excess you have paid, as well as assistance with certain legal expenses, vehicle hire or claims relating to injuries and other losses.

Will I get a courtesy car while my vehicle is being repaired?

This will depend on your cover and how your claim is handled. If you make a claim under a comprehensive policy and use an approved repairer, a courtesy car may be available for the duration of the repairs, subject to availability.

Different arrangements may apply following a non-fault accident, so speak to your claims handler before arranging alternative transport yourself.

What happens if my campervan or motorhome is written off?

Your insurer will assess the vehicle and the terms of your policy before determining how the claim will be settled.

This is particularly important for classic, converted and specialist vehicles, where modifications and the vehicle’s specification can have a significant impact on its value. If your policy includes Agreed Value cover, check your policy documents to understand how this applies to a total-loss claim.

What if modifications to my campervan are damaged in the accident?

Make sure you tell your claims handler about damage to modifications and converted parts of the vehicle, rather than documenting only the exterior bodywork.

Photograph damaged pop-tops, awnings, furniture, fitted equipment and other converted elements where it is safe to do so. Keeping photographs and documentation relating to modifications before an accident can also help demonstrate your vehicle’s specification and condition.

Should I arrange my own garage to repair the vehicle?

Speak to your insurer or claims handler before authorising significant repairs. The insurer may need to inspect the vehicle, review photographs or agree repair costs before work begins.

This can be especially important with classic vehicles, campervans and motorhomes, where specialist components or conversion work may require particular expertise.

What should I do if the other driver’s insurer contacts me directly?

Don’t ignore correspondence about the accident, but avoid getting drawn into discussions about liability or agreeing a settlement without speaking to your insurer.

Just Kampers Insurance advises customers to forward third-party correspondence unanswered so it can be dealt with appropriately.

What if the other driver doesn’t have insurance or leaves the scene?

Gather as much information as you safely can, including the vehicle registration, make, model and colour, photographs or dashcam footage, and witness details.

Don’t attempt to chase a vehicle that leaves the scene. Report the incident to the police where required and contact your insurer promptly so they can advise you on the next steps.

Can I claim for belongings damaged inside my campervan or motorhome?

Whether damaged belongings are covered will depend on your individual policy and the cover you have selected.

If items inside your vehicle are damaged in an accident, photograph them and keep any evidence of ownership and value, such as receipts. Don’t dispose of damaged items until you have spoken to your claims handler.

What happens to my no-claims bonus after an accident?

The effect on your no-claims bonus will depend on factors including how the claim is recorded and the terms of your policy. Even where you have a protected no-claims bonus, a fault or pending claim may still affect future insurance premiums.

Check your policy documents or speak to the Just Kampers Insurance team if you’re unsure how a particular claim could affect your policy.

What information should I have ready when I report an accident?

It helps to have as much information as possible available, including your policy number, the date and location of the accident, details of the other driver and vehicle, photographs of the scene and damage, witness details, dashcam footage and any police reference number.

Don’t worry if you don’t have everything immediately. Report the incident promptly, and your claims handler can explain what additional information may be needed.

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Written by: Jason Sims

Jason is a Senior Marketing Executive at Just Kampers who is a fully-fledged VW enthusiast, with over 20 years’ experience in keeping Volkswagens old and new on the road, he currently owns a 69 Cal Look Beetle, and enjoys attending VW shows and Camping with friends and family.

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