Specialist motorhome insurance

Yes, you can insure your high-value or A-class through Just Kampers Insurance, and we’ll do our best to get you a great deal. You can give us a call on 01256 44 45 46, or get a quote and buy online.

Yes, we’re happy to offer insurance for self-built and converted motorhomes.
You can give us a call on 01256 44 45 46 to get a quote.

Yes, motorhome insurance is a legal requirement in the UK. Like any other vehicle on the road, you must have at least third-party insurance to drive or park your motorhome on public roads. This type of coverage protects you if you cause injury or damage to another person, vehicle, or property. Operating your motorhome without insurance can lead to severe penalties, including fines, points on your driving licence, and even having your vehicle seized.

Motorhome insurance can be tailored to meet your needs, with options for comprehensive coverage that protects against theft, accidental damage, and even personal belongings. Specialised motorhome insurance policies often include features such as European travel cover, breakdown assistance, and coverage for camping gear.

When choosing a policy, it’s crucial to ensure you have adequate protection for both the vehicle and your lifestyle needs. With Just Kampers Insurance, you can access bespoke motorhome policies designed to suit various requirements, ensuring legal compliance and peace of mind while travelling.

For more details, visit Just Kampers Motorhome Insurance.

Yes, you can often insure your motorhome as part of a multi-vehicle policy, depending on the insurer. A multi-vehicle policy allows you to insure multiple vehicles under one policy, including cars, motorbikes, and motorhomes. Here’s what you need to know:

1. Benefits of Multi-Vehicle Policies: Combining your motorhome and other vehicles under one insurance policy can offer cost savings and convenience. Many insurers provide discounts for multi-vehicle policies, reducing your overall premium.
2. Eligibility: Not all insurance providers offer motorhome cover as part of a multi-vehicle policy. It’s important to check with your insurer or choose a specialist provider like Just Kampers Insurance, which offers flexible motorhome insurance options that may include multi-vehicle coverage.
3. Single Renewal Date: A key advantage of multi-vehicle policies is having a single renewal date for all your vehicles, simplifying management and avoiding the hassle of multiple renewals.
4. No-Claims Bonus: Some insurers allow you to share your no-claims bonus across multiple vehicles, potentially leading to further savings.
5. Customisation: Multi-vehicle policies can often be tailored to suit different vehicle types, offering the right level of cover for each vehicle.

For more details on whether you can insure your motorhome as part of a multi-vehicle policy, visit Just Kampers Insurance for expert advice and flexible coverage options.

Yes, you can add an additional driver to your motorhome insurance policy. Most insurance providers, including specialist motorhome insurers, allow you to include additional drivers to your policy, making it more convenient for shared driving responsibilities during trips or holidays.

Adding an additional driver may impact your premium depending on the driver’s profile, such as their age, driving experience, and claims history. For example, if the additional driver has a clean driving record and significant experience, the impact on your premium may be minimal. Conversely, if the driver is young or inexperienced, it could lead to a higher premium due to increased perceived risk.

To add an additional driver, you will need to provide relevant details, including their name, date of birth, driving licence information, and any relevant driving history. Be sure to disclose accurate information to avoid invalidating your policy.

For tailored motorhome insurance options, including adding additional drivers, call Just Kampers Insurance. They can help you find the best solution to suit your needs. Visit Just Kampers Motorhome Insurance for more information.

If your motorhome is written off, it means the cost to repair the damage exceeds its value, or it is beyond repair. Here’s what happens next:

1. Insurance Valuation: Your insurer will assess the motorhome and provide a settlement value based on its market value at the time of the incident. This value is typically determined by factors such as the motorhome’s age, condition, mileage, and current market demand.
2. Payout Process: Once your motorhome is deemed a write-off, you’ll receive a payout. If you have a “new for old” policy, you may be offered the cost of a brand-new replacement if your motorhome is relatively new. Otherwise, you’ll get a payout based on the motorhome’s current value.
3. Outstanding Finance: If there’s outstanding finance on the motorhome, the payout will first go toward paying off any remaining balance. If the payout exceeds the finance amount, you’ll receive the difference.
4. Retention Option: In some cases, you may be given the option to retain the salvage and keep the damaged motorhome, typically for parts, but at a reduced settlement amount.

For more detailed information on motorhome insurance and what happens if your motorhome is written off, visit Just Kampers Insurance. We offer tailored policies to ensure you’re covered in the event of a total loss.

Motorhome insurance can cover water damage, but it depends on the specifics of your policy. Most comprehensive motorhome insurance policies provide coverage for sudden and accidental water damage, such as leaks caused by storms, burst pipes, or external flooding. However, coverage can vary, so it’s crucial to review the terms and conditions carefully.

Water damage resulting from gradual wear and tear, poor maintenance, or pre-existing issues may not be covered by standard policies.

It’s essential to regularly maintain your motorhome to minimise water-related issues and ensure compliance with policy requirements. If water damage occurs, document the damage, take preventative measures to mitigate further harm, and contact your insurer promptly to make a claim.

For tailored coverage and peace of mind, Just Kampers Insurance offers policies that can include protection against a range of risks, including water damage. Visit Just Kampers Motorhome Insurance for more details on policy options.

Yes, in many cases, you can transfer your no-claims bonus (NCB) from your car to your motorhome. However, this depends on the specific insurer and their policies. Some motorhome insurance providers will allow you to transfer your NCB from a car, while others may not. Here’s what you need to know:

1. Insurer Policies: Some insurance companies recognise the no-claims bonus earned on your car when applying for motorhome insurance, which can significantly reduce your premium. However, it’s important to check with your insurer, as policies vary between providers.
2. Partial Transfer: Some insurers might allow you to use your NCB for either your car or motorhome, but not both at the same time. This means if you transfer the NCB to your motorhome, your car may not benefit from the discount.
3. Specialist Providers: Some insurers specialising in motorhome insurance, like Just Kampers Insurance, may offer additional flexibility with NCB transfers. They may even offer competitive rates for new motorhome owners who have a strong claims history with their car insurance.
4. No-Claims Bonus Protection: If your NCB is important to you, consider a policy that offers NCB protection, ensuring you don’t lose your discount if you need to make a claim.

For more advice and to explore NCB transfer options for your motorhome, visit Just Kampers Insurance today.

While some insurance providers may offer options to suspend motorhome insurance over winter, it’s not always recommended. Here’s what you need to know:

Laid-Up Cover: Some insurers offer “laid-up” or “storage” insurance, which provides coverage for fire, theft, and accidental damage while your motorhome is not being driven. This can help you reduce costs while your motorhome is parked up during the winter months. However, it won’t cover any incidents that occur if you decide to drive your motorhome during this period.

SORN Declaration: If your motorhome will be off the road, and you plan to suspend insurance, you must file a Statutory Off Road Notification (SORN) with the DVLA. This declares your vehicle as not being driven, meaning it doesn’t need road tax or insurance. Keep in mind, though, that without insurance, your motorhome won’t be protected from risks like theft or fire.

Maintaining Comprehensive Cover: While suspending insurance might save money in the short term, keeping comprehensive cover ensures your motorhome remains protected year-round, even in storage. Many insurers offer discounts for reduced mileage during off-season periods.

Always consult your insurer to explore options. For flexible and reliable motorhome insurance, including possible winter storage options, visit Just Kampers Insurance.

There are a few ways to save money on your motorhome insurance, including the following:

Limit Your Mileage: Insurance providers often offer lower premiums if you commit to a lower annual mileage.

Increase Your Voluntary Excess: Opting for a higher voluntary excess can reduce your premium.
Voluntary excess is sum of money which you choose to pay, on top of any compulsory excess, to reduce your premium, so ensure the excess is an amount you’re comfortable paying.

Join a Motorhome Club: Many insurers offer discounts if you’re a member of a recognised motorhome or campervan club.

Improve Security: Adding extra security features, such as tracking devices, immobilisers, or alarms, can lower your premium by reducing the risk of theft.

No Claims Discount: Just like car insurance, building up a no-claims discount over time can lead to significant savings.

Park in a Secure Location: Parking your motorhome in a secure location, like a garage or secure storage facility, can reduce your risk profile and lower your insurance cost.

Estimating mileage for your motorhome is important, especially when getting motorhome insurance, as many providers base premiums on annual mileage. Here’s how to estimate your motorhome’s mileage accurately:

Review Past Usage: If you’ve owned your motorhome for a while, check previous MOT records or logbooks to get a sense of how many miles you typically cover each year. This historical data can help you predict future mileage.

Plan Your Trips: Think about your upcoming travel plans. Estimate the distance for each trip, including local drives and longer journeys. For example, a UK road trip might add 1,000 to 3,000 miles, while continental trips could add significantly more.

Frequency of Use: Consider how often you use your motorhome—whether it’s just for a few summer trips or frequent weekend getaways. Regular use throughout the year will naturally lead to higher mileage compared to occasional trips.

Seasonal Factors: Many motorhome owners use their vehicles more during the summer months. If you primarily travel during this time, you can adjust your estimate accordingly.

To avoid over- or under-estimating, be realistic with your driving habits. Estimating accurately can help ensure you get the right insurance coverage at a fair price. For more advice on motorhome insurance and mileage limits, visit Just Kampers Insurance.

Yes, you can live full-time in your motorhome, but it’s important to have the right insurance. Standard motorhome insurance may not provide adequate coverage for full-time living, so you’ll need a specialist policy designed for this lifestyle. Full-time van life insurance offers additional protections for your motorhome or campervan, its contents, and extended use, ensuring you’re covered beyond occasional holidays.

Living full-time in a motorhome also involves specific considerations, such as registering a permanent residential address for legal and postal purposes, as well as ensuring your motorhome is equipped for continuous living with adequate heating, cooking facilities, and secure storage.

When applying for full-time motorhome insurance, be honest about your living arrangements so that you receive comprehensive coverage, including for personal belongings, public liability, and breakdown assistance.

For tailored insurance solutions to fit your full-time motorhome lifestyle, call Just Kampers Insurance. Visit Just Kampers Motorhome Insurance or explore Just Kampers Vanlife Insurance for coverage options designed for full-time travellers.

To determine how much your motorhome’s contents are worth for your insurance policy, start by making an inventory of all items you keep in the motorhome. Include personal belongings, kitchenware, camping gear, electronics, furniture, and any other valuable items. List each item, noting its current value or replacement cost, which may differ from the purchase price if the item has depreciated over time.

Once you have a comprehensive list, calculate the total value of all items. It’s important to be thorough, as underestimating your contents’ value can leave you underinsured, while overestimating may increase your premium unnecessarily.

Ensure that your insurance policy covers high-value items separately if required, as some policies may have limits on single-item values. Optional coverage add-ons can extend protection for items that may not be included in standard contents insurance.

For personalized advice and help calculating the contents value for your motorhome insurance policy, contact Just Kampers Insurance. They can provide tailored coverage solutions to ensure your contents are adequately protected. Visit Just Kampers Motorhome Insurance for more information.

Arranging an Agreed Value policy is simple and keeps you financially protected. If your motorhome or campervan has been upgraded or modified at substantial expense, you can make sure this cost is protected by pre-agreeing a value that reflects your changes. All you need to do is present evidence of such additions, and we will work with you to come to a fair price. Once this is agreed upon, we’ll provide appropriate certification to give you added peace of mind.

We automatically include legal protection in all of our policies to provide you with extra assistance should you be involved in an incident that was not your fault (in the UK or Europe). Our legal protection offering includes:

• Up to £100,000 for legal expenses, repairs, and the cost of a hire vehicle
• Legal assistance for claiming compensation for injury or losses for both the driver and any passengers
• Help and advice in claiming for any losses that aren’t covered by your existing insurance
• Where possible, like-for-like vehicle replacement to keep you moving
• Access to helplines

If you have any questions about our legal protection, call the team on 01256 444546 if you have further questions.

At Just Kampers Insurance, our prices start from just £129 a year. However, cost will vary from person to person because vehicles, driving history and driving plans differ significantly. Fortunately, to save you money and provide you with the most appropriate cover, we tailor our policies to suit your specific needs and requirements. For example, if you only take your camper out twice a year, we’ll take that into consideration.

A specialist like Just Kampers Insurance is able to tailor your insurance policy.

Unlike a car, it’s likely you have a lot of contents that need protecting in your camper. Whether it be your electronics, clothes, jewellery, appliances, or furniture, you’ll want to know that they’re protected against loss, fire, and theft. As a specialist insurer, we also offer contents cover to protect your belongings, as well as a multitude of other extras including breakdown cover across Europe and Agreed Value cover.