For decades, campervans have been the perfect way to explore the great outdoors, and they’re just as popular today as they’ve ever been. From weekend getaways to tours of Europe, campervan life offers plenty of opportunities for adventure.
But before you hit the road in your campervan, it’s important to have the right insurance cover in place. At Comfort Insurance, we provide specialist campervan insurance policies that are tailored to fit life on the road.
With more than 30 years of experience within the industry, we understand how important protecting your pride and joy is to you. That's why we've created an insurance solution that gives you access to the best campervan insurance policy for you.
It's quick and easy to get an online campervan insurance quote. We cover most models and styles, including classic, professionally converted, and even imported vans.
If you’re looking for comprehensive yet affordable campervan insurance, then, you’re in the right place. Speak to one of our friendly team by calling 0208 9840 666 or get a quote in a matter of moments.
What is campervan insurance?
Campervan insurance is specially designed for campervan owners. As with standard motor insurance, this type of cover is available at different levels. A comprehensive insurance policy covers you for accidental damage, vandalism, theft, fire, flood, and other types of insured risk.
There are three categories of campervan that we cover at Comfort Insurance. We also provide insurance for three different styles of vehicle. Here's a look at the categories and styles that we can protect.
Which categories of campervan insurance can we cover?
We offer three categories of campervan cover. These are:
This category is designed for owners who have used a specialist company to carry out a full, expert update of their vehicle. Some of the companies that we recognise as professional campervan converters include Autohaus, Camperking, East Neuk and Vanworx
This type of campervan cover is bespoke and can be individually tailored to meet your unique requirements. To get an insurance quote for your converted campervan speak to us today.
Our classic campervan policies cover campervans built before 1992. A typical policy includes 12 months’ fully comprehensive cover, which safeguards you against fire, theft, accidental damage, vandalism and any third-party claims for a year. It also includes legal expenses up to £100,000 and personal belongings cover up to £1,000 and can be extended to include ‘agreed value’, where we’ll agree the value of your campervan at the start of your policy, including spare parts and any claims will be dealt with on an agreed value basis.
Our classic campervan insurance policies cover vehicles built before 1992. We offer this across all styles of van, including fixed-roof and high-top campervans. Classic models that we can cover include VW T2 Split Bays, VW Devon T2s and the VW Westfalia Joker.
If you’ve recently started a self-build campervan project, it’s likely that you’ll be excited about all that your new vehicle can offer. Whether you’ve built it from scratch or reimagined a standard van, though, you’ll need to seek specialist insurance.
We might be able to help. Call us on 0208 9840 666 to tell us about your vehicle. From there, we’ll let you know if we think that we can insure your campervan and provide you with a quote.
Whatever the style of your campervan, whether it’s high-top, raised-roof or fixed-roof, we’ve got the cover to suit you. As with other types of insurance, the more comprehensive your high-top, raised-roof and fixed-roof campervan insurance policy is, the more protected you’ll be.
Comprehensive cover comes as standard with all of our campervan policies, as does at least 90 days European Green Card cover and legal expenses too.
Start your campervan insurance quote today
With more than 30 years' experience, we understand what you’re looking for in your campervan insurance policy. We’re here to make sure that you can get out on the road with complete peace of mind. We’ll listen carefully to your needs and help you find the policy that’s perfectly suited to you.
You can get a campervan insurance quote online in a matter of moments or give our friendly, expert team a call on 0208 9840 666. You’ll soon see why we’re the leading provider of campervan insurance in the UK.
What is covered by our campervan insurance?
As with standard home and car insurance, the more comprehensive your policy, the better the level of cover for your campervan. It’s crucial that you’re aware of exactly what is covered by your policy, so you can make sure that you have the right level of protection for your needs.
If you take out a comprehensive insurance policy for your campervan, this will cover you for:
- Accidental damage
- Any third-party damage or injury you cause
Our campervan insurance also covers all the little things other providers may not include in their standard policies, such as:
- Personal effects and belongings
- Audio and navigational equipment
- Window and windscreen breakage
- Gas explosions
- Replacement locks if your keys or transmitter are stolen
We also offer much more, subject to policy terms and conditions. Some companies may call these extras, but we like to think of these as necessities* when it comes to keeping your campervan on the road.
Our insurance policies offer everything you could possibly need, from the awnings through to gas bottles. Policies also come with 90 days’ EU cover as standard, meaning you don’t have to cut your holiday short or return home in the middle of an adventure.
It’s important to note that insurers will always try to accommodate our customers as much as they can, but make sure you request the specific cover you think you may need.
* Subject to policy terms and conditions.
Exclusions on our campervan insurance policies
There are some circumstances in which you will not be protected by your . Always check that you're okay with what won't be covered, including:
- Loss of use, wear and tear, and depreciation
- Loss or damage arising from theft when the keys have been left in the ignition
- Any accident or damage caused by someone driving the vehicle without the appropriate licence
- Damage to tyres by braking or by punctures, cuts or bursts
- Damage to the vehicle arising from domestic animals, moth, vermin or infestation
These are just some of the exclusions on your campervan insurance. For a full list, please see your policy documents.
How much does campervan insurance cost?
If you’re looking for that offers great value, you've come to the right place. We will be transparent with you from the very start so that you’re aware of how much your policy will be.
Our cover is priced according to a variety of factors, including:
- The make, model, and age of the vehicle
- The age of the main driver
- The length of time for which they’ve had their licence
- Any motoring convictions that you've received
Costs will vary depending upon all these factors, meaning you could get a quote for as little as £220, but it could top the £1,000 mark depending upon your circumstances and the value of your campervan.
The cost of your will vary depending on factors such as these, as well as the value of your vehicle.
We will be transparent with you from the very start so that you’re aware of how much your policy will be.
What other factors affect insurance costs?
If your campervan is your only vehicle and the one that you use whenever you’re on the road, this could drive up the price that you pay for insurance.
On the other hand, if you use your campervan less frequently then this should bring down the price - especially if you keep it securely in a garage when not in use.
How to get your campervan insurance quote
Whether you have a classic Westfalia or a brand-new California, you need a campervan insurance cover that gives you peace of mind. You need to ensure that your most important possessions are protected, whether your vehicle is being kept on the drive or cruising around Europe.
Here at Comfort Insurance, we've made getting comprehensive campervan insurance perfectly simple. All that you need to do is select your type of vehicle and provide us with a few details, such as make, mileage and the level of cover that you desire.
The next step is to fill out some personal information on our easy-to-use online form, and you’ll have your campervan insurance quote within a few moments. If you prefer a more personal touch, you can always give our experts a call on 0208 9840 666.
What we need to provide you with campervan conversion insurance or other forms of cover
There are some instances in which we can’t give you a campervan insurance quote straight away. This is because, while we have policies from selected insurance underwriters, there is some information that we will need from you to process your request for a quote.
This applies to campervan conversions that have an engine size of 3500cc or more, bespoke campervan conversions carried out by a professional converter, imported Japanese campervans and self-built/home-built campervans. If this applies to your campervan, we will need the following things:
- Images of your vehicle. We require four photos of the inside and four of the outside of your vehicle
- A copy of your gas certificate or your habitation check
Additionally, your vehicle will need to be registered as a motorcaravan or a van with side windows.
Should you not be able to register your campervan conversion as a motorcaravan or a van with side windows with the DVLA, it’s still possible for us to consider you for self-build cover. However, this is done on a case-by-case basis, so we suggest that you call us on 0208 9840 666 and we’ll take you through the process.
What are the benefits of insuring your campervan with Comfort Insurance?
We're a family business that prides itself on going above and beyond for our clients. We know how special your campervan is to you - which is why we've crafted an insurance solution to match.
There are a number of major benefits to choosing Comfort Insurance for your campervan insurance, including the following:
Supported by Aviva
We have a close relationship with Aviva, with whom we've jointly developed many of our products.
UK Call Centre
Need assistance? Our expert team are just a phone call away and ready to help - 24 hours a day, 365 days a year.
Uninsured Driver Promise
If your caravan is in an accident with an uninsured driver, Aviva will refund the amount of excess that you have to pay - subject to terms and conditions.
Comprehensive Campervan Insurance
Our coverage goes above and beyond the norm. We're proud to cover many finer details not included in most standard policies. Other providers consider these as extras - but, if you ask us, they're necessities.
European Coverage as Standard
Our campervan insurance comes with up 90 days' European coverage a year - meaning that you won’t have to worry about needing to cut your holiday short or return home in the middle of an adventure.
What is our claims process?
We understand that, for many of our customers, a hassle-free claims process is even more important than an affordable price. You want peace of mind that you'll be able to quickly make a claim should something go wrong.
That's why we've designed a simple process that lets you make your claim in three simple steps.
Contact our helpline
First, you'll need to get in touch with our friendly team by calling 0800 0280 038. Our helpline is open 24 hours a day, 365 days a year - so, no matter when you need to make your claim, you'll always be able to.
Tell us what happened
You'll need to tell us your policy number, your vehicle registration number, and details of the incident - as well as anyone else involved. We'll confirm whether you're covered and help you to figure out what to do next.
If your campervan has been stolen, you should report this to the police immediately. They will give you a crime reference number, which will help to speed up the claims process.
Settle your claim
Sit back and let us take the stress out of making a campervan insurance claim. We'll work with you to remedy the situation so that you can get back to touring in your prized possession as soon as possible.
Making a claim on your campervan insurance
For many customers, this is the most important part – even more so than price. Regardless of how much you are paying for your insurance policy, you want to be safe in the knowledge that if something goes wrong you are able to make a claim as quickly and as simply as possible.
Once you have a policy with us, you’re covered if things go wrong. So, whether your claim relates to an accident, fire, theft or other damage, you can begin the process by calling the Comfort claims line on 0800 0280 038 or the claims reporting number detailed in your policy. You’ll speak to a personal incident manager who will ask you to give them as much information as possible. We also ask that you have your vehicle registration number to hand so your policy records can be found quickly.
If your campervan has been stolen, you should report this to the police immediately. They will issue you with a crime reference number, which you will be able to give to the insurer to speed things up when processing the claim.
Why choose us for your campervan insurance?
Comfort Insurance is a family business, run by people who share your passion for hitting the open road, so we understand how much your campervan means to you and how it feels when things go wrong.
That’s why we’ve tailored our products to tick all the right boxes, whether you want to drive around the country for a week or across the whole of Europe for a few months.
Here’s why you should choose us for your campervan insurance:
- With more than 30 years' experience offering the best campervan insurance quotes in the UK, we've learned a thing or two about what our customers expect from their policy.
- We're experts in our field, who understand how special your campervan is to your and provide the comprehensive insurance coverage to match.
- We have a superb reputation among our customers - they've given us an ‘excellent’ Trustpilot rating in more than 5,000 reviews.
- We were named What Motorhome Insurance Provider of the Year 2022, backing up our strong reputation in the industry.
- We’re proud members of official industry bodies such as the British Insurance Brokers’ Association and the National Caravan Council.
- Our campervan breakdown cover is provided alongside the AA and DAS.
- We provide our cover together with Aviva, one of the UK’s leading motor insurers - and as of 17th October 2023, they stated that 98.97% of all claims were paid out.
Campervan Breakdown Cover
We highly recommend that you take out our specialist breakdown cover for only £82 to include on your annual policy. We provide this service in conjunction with the AA and DAS. Follow the link for more information on our motorhome breakdown cover.
Campervan Hire Insurance
Did you know...
of Comfort Insurance customers claims were paid.
*As of the 17th October 2023 Aviva stated that 98.97% of all claims were paid out
of Comfort Insurance customers claims were paid.
*As of the 17th October 2023 Aviva stated that 98.97% of all claims were paid out
Campervan Insurance FAQs
Want to know more about ? Here are some of the questions that we get asked most often:
Campervan insurance will depend on the value of the vehicle but typically, comprehensive cover under a specialist policy like the one Comfort Insurance offers where it has additional benefits of a Green Card, Gas and Explosion and Personal Effects cover to list but a few.
Typically, Campervan insurance is cheaper than general van or car insurance. This will depend on the mileage that is being used by the vehicle and the NCB that is available but here at Comfort Insurance we can match NCB if you don’t have spare bonus to transfer to the campervan.
Most motorcaravans are under the plated weight of 3,500 kg so can be driven on a private car licence but always check your licence categories of entitlement to drive against the plated weight of the vehicle.
Comfort Insurance do not offer a 6 monthly policy but we do offer limited mileage contracts which keeps the vehicle fully insured for the year. Normally with the value involved fully comprehensive insurance is required and if there is HPI on the vehicle then there is also the requirement to keep the vehicle insured at all times so we would always recommend selecting a mileage band that would suit the annual needs to provide the best premium.
There are a number of factors that can help reduce the cost of insurance as listed below.
- Evidence of claim-free driving, even if this has been accrued while driving a car
- Mileage with Comfort Insurance offering different mileage bands
- Being a member of a camping association
- Paying the premium as a one off rather than monthly instalments
- Good security
In essence, yes but campervans are generally smaller and don’t have a driving cab that is separate from the living area.
Comfort Insurance only insure drivers aged 21 or above.
Our campervan policy includes an annual green card that allows you to take the campervan abroad for up to 90 days. This is a standard feature of the policy and there is no additional charge for this cover. Please ensure that you would have adequate mileage to cover any trips that you may be doing.
No claims bonus or no claims discount are recognised under the Comfort Insurance campervan policy. Furthermore, discounts are provided based on your no claims free driving history.
Our campervan policy does have an option to protect your no claims bonus.
Additional drivers can be added to your Comfort Insurance campervan insurance policy. This can be done on a permanent or temporary basis, dependant on the duration of your trip. All drivers are subject to insurers terms and conditions to whether they are acceptable.
We would never recommend anybody to drive their camper van on a car insurance. The camper has been modified for a specific use, as such the campervan requires specialist cover to ensure that all elements of the vehicle is insured.
Typically, a campervan roadtax cost will be roughly based on the same price as a standard family car roadtax.
Under the Comfort Insurance campervan insurance policy, a 90 day green card is automatically included within the cover. In addition to this cover, we would recommend additional covers are taken out such as breakdown cover and travel insurance.
Get an insurance quote for your campervan
At Comfort Insurance, we understand what you’re looking for in your campervan insurance. We’re here to make sure that you can get out on the road with complete peace of mind. We’ll listen carefully to your needs and help you to find the policy that’s perfectly suited to you.
You can get a campervan insurance quote online in a matter of moments, or you can give our friendly, expert team a call on 0208 9840 666. You’ll soon see why we’re the leading provider of leisure vehicle insurance in the UK, so why not get in touch today?
Want to learn more about campervans?
Getting comprehensive campervan insurance is just the first step in taking care of your prized possession. That's why we've created a hub of expert guides and informative articles that will tell you everything that you need to know about owning a recreational vehicle.
Whether you're brand-new to owning a campervan or a seasoned pro, it always helps to have expert guidance in your corner - and that's what you get when you join the Comfort Insurance family.