Owning a motorhome opens up a world of freedom, letting you hit the open road whenever the travel bug bites. But with that freedom comes a few responsibilities—one of which is making sure your vehicle is properly insured. Motorhome insurance is essential for protecting your home-on-wheels from accidents, theft, and unexpected mishaps. That said, no one wants to pay more than they need to.
If you’re looking to cut down on your premiums without cutting corners on coverage, here are some practical tips to help you save money on motorhome insurance.
1. Shop Around and Compare Policies
It sounds obvious, but many people stick with the first insurer they come across or simply renew with their existing one year after year. Comparing quotes from multiple providers can reveal significant differences in price for similar coverage. Take the time to shop around—either online or with the help of a broker—and look beyond just the premium. Check what’s included, what’s excluded, and what excess applies to claims.
2. Only Pay for What You Need
Motorhome insurance policies can include a wide range of optional extras, from personal belongings cover to roadside assistance and windscreen protection. While these add-ons can be useful, they may not all be necessary for your situation. Think carefully about how and when you use your motorhome. If you only hit the road a few times a year, some of the extras may not be worth the extra cost.
3. Consider a Higher Excess
Choosing a higher excess—the amount you pay out of pocket when making a claim—can often reduce your premium. It’s a bit of a balancing act: you don’t want the excess so high that it’s unaffordable, but if you’re a cautious driver with a clean record, opting for a higher excess can be a smart way to bring down costs.
4. Install Security Features
Motorhomes can be attractive targets for thieves, especially if they’re stored in driveways or public areas. Investing in good security—like a wheel clamp, alarm, GPS tracker, or immobiliser—not only deters theft but can also lower your insurance premiums. Many insurers reward these safety measures because they reduce the risk of a claim.
5. Store Your Motorhome Safely
Where your motorhome is parked when not in use plays a big role in how much you pay. Keeping it in a secure garage or a designated storage facility can reduce your premium. Some insurers offer discounts if your motorhome is stored in a location with CCTV, gated access, or 24/7 monitoring.
6. Limit Your Mileage
If you use your motorhome infrequently, you might be eligible for a limited mileage policy. The less you drive, the lower your risk—and the lower your premium may be. Just make sure to stay within the mileage limit to avoid issues if you need to make a claim.
7. Maintain a Good Driving Record
As with regular car insurance, a clean driving history can work in your favor. Avoiding accidents, traffic violations, and claims will help you maintain a no-claims bonus, which can lead to significant savings over time.
8. Bundle Your Insurance Policies
If you already have home, car, or contents insurance, check whether your provider offers bundle discounts. Insuring your motorhome with the same company can often result in a multi-policy discount, which is a simple way to save money without changing your coverage.
9. Review Your Policy Annually
Your insurance needs can change over time, especially if you’ve upgraded your motorhome, added new equipment, or changed how often you travel. Make it a habit to review your policy each year before renewing. You might find that you’re paying for extras you no longer need—or that you’re eligible for new discounts.
Final Thoughts
Motorhome insurance doesn’t have to break the bank. With a little planning, some smart decisions, and a bit of comparison shopping, you can keep your premiums down without sacrificing the protection your motorhome deserves. After all, the less you spend on insurance, the more you can put toward your next road trip adventure.
