American Motorhome Insurance
Countless countries have created their own styles of motorhome over the years. But nothing can compete with a traditional American RV for those lucky enough to own one.
Spacious and luxurious, American motorhomes are the ideal choice for families or groups looking to make long-haul journeys in comfort and style. The extra height and visibility they offer don't just help with driving but also let you enjoy incredible views while you travel.
If you're the proud owner of an American RV, you're probably no stranger to the thrill and freedom of long-haul motorhome journeys across the open road. With our motorhome insurance, you can truly enjoy countless trips in your prized possession, secure in the knowledge that you're protected.
What's the difference between an American RV and a UK motorhome?
Size is the most significant difference between an American RV and a motorhome. American motorhomes are traditionally constructed differently to European models, usually being larger. They're typically built on a bus or lorry chassis and can exceed 11 feet in height, which makes them tend to resemble coaches. In contrast, UK coach-built motorhomes are typically constructed on commercial van chassis, only reaching about nine feet high.
Coach-built American motorhomes do exist, yet the majority are fully integrated A-class models where the driving area is built into the living area section. This is what gives them a reputation for exceptionally large living spaces, with many models featuring slide-out sections that even further expand the room you can relax in whenever you're parked up. Together with the luxurious furnishings and hi-tech entertainment systems they usually boast, this extra space offers you a refined camping holiday experience.
Motorhome and Campervan Insurance
History of the campervan
View the entire history of the iconic VW Campervan, from its inception in 1947 all the way through to the latest redesign.
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Do you need specialist insurance for your American motorhome?
American RVs are typically much more expensive than coach-built motorhomes or campervans. Even used models can cost more than £100,000 but the most luxurious models can go for as much as £700,000. They also usually include high-value facilities such as fully integrated kitchens and washrooms. And the extra space they offer means you'll tend to carry more valuable contents inside.
All this means that owning an American RV comes with much higher risk, yet our specialist insurance can give you peace of mind that your prized possession is completely protected whenever you take it on the road. Having this assurance is the key to you getting the most out of the time you spend in your American motorhome, not to mention all the money you've spent on it.
What does our American motorhome insurance cover?
Our motorhome insurance policies cover:
- Repair, replacement or reimbursement of your vehicle if it's lost, stolen or damaged
- Recovery of your vehicle and a hire car for 24 hours in the event of an accident
- Personal effects cover up to £5,000 in case of damage from accident, fire or theft
- Third-party liability, including damage to property, injury and death
- Legal expenses up to £100,000
- Replacement locks
- Unlimited window and windscreen cover
These are just some of the things covered by our motorhome insurance, subject to policy terms and conditions. Read our policy document for full details on what's included and be sure to request any specific cover you need before purchase.
Exclusions on our American RV insurance policies
There are some instances your policy won't cover, including:
- Loss or use, wear and tear, and depreciation
- Loss or damage as a result of theft when the keys have been left in the ignition
- Any accident or damage caused by someone driving the vehicle without the proper licence
- Damage to tyres caused by braking or puncture, cuts or bursts
- Damage to your vehicle caused by domestic animals, vermin, moths or infestation
We also aren't able to provide insurance cover for living fulltime in your American RV. Please read our policy document for a complete list of exclusions on our motorhome insurance policies.
How much does American motorhome insurance cost?
No two American RVs are the same and the same applies to the people that own them. Because of this, the exact cost of insurance for your American motorhome will depend on your specific circumstances.
We consider several factors when pricing your cover, including:
- The make, model, age and value of the vehicle
- The age of the main driver
- The length of time the main driver has had their licence
- Any motoring convictions the main driver has received
The final cost will also depend on any optional extras you want to add to your policy. We've got you covered, whatever you need.
Feel free to request a free quote online if you'd like an estimate of how much insurance for your American RV could cost you.
Why choose Comfort Insurance to cover your American motorhome?
As one of the leading specialist motorhome insurance brokers in the UK, there are several reasons you should choose us for American Motorhome insurance. These include:
- We've been providing the UK with motorhome and campervan insurance for more than 30 years and we've learned how to craft exceptional policies for our customers along the way
- We're proud to partner with Aviva, the UK's leading motor insurance provider, as well as offer breakdown cover together with ARAG and Call Assist.
- In 2024, Aviva reported that 99.2% of all claims were paid out, so you can be confident that yours will be too should you need to make a claim
- We're passionate about giving each of our customers an exceptional experience. But don't take our word for it – just read the 6,900+ 'Excellent' Trustpilot reviews our customers have left us
- We've been named What Motorhome Insurance Provider of the Year 10 times
- We're fully authorised and regulated by the Financial Conduct Authority under number 300281, so you can rest assured you're dealing with a transparent and reliable company
How much does American motorhome insurance cost?
Get tailored insurance for your American RV
With three decades' experience in the motor insurance industry and a wealth of awards to our name, we're the dependable choice for high-quality cover for your American motorhome. Our comprehensive policies come at competitive prices and we offer a wide range of optional extras so you can ensure your cover is every bit as special as your vehicle.
Get in touch with our friendly experts today to find out how our insurance can help you. Call us on 0208 984 0666 or fill in our simple form to get a quote online. We're here to help you get the right cover for your American motorhome.
