Temporary motorhome insurance: A renter’s guide
Does your idea of a dream holiday involve taking to the open roads and exploring what’s out there? Whether that’s here in the UK or overseas, there is no end to the adventures awaiting you and your loved ones, and plenty of memories to be made.
A campervan offers you the perfect chance to do just that and these homes away from home are a source of familiar comfort to thousands up and down the country. But what about those who recognise the lure of the lifestyle but don’t have a vehicle to call their own? At Comfort Insurance, we understand that predicament and that’s why we’re proud to offer temporary motorhome insurance provided in association with Dayinsure and underwritten by Aviva.
Maybe you know a friend, colleague or family member who is willing to lend you their motorhome for a short period, or perhaps you’ve seen your dream holiday campervan on a rental site? If you want to borrow or rent a campervan, you’ll need to feel fully protected when out on the road and that’s where temporary campervan insurance can help. Before you get behind the wheel of someone else’s pride and joy, read on to find out everything you need to know about this special policy.
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How does temporary motorhome insurance work?
Our short term motorhome insurance is a comprehensive policy that is valid for a period of as little as an hour to 30 days, to be taken out when you rent or borrow a motorhome or campervan from someone else.
What is covered by temporary motorhome insurance?
When you borrow or hire a motorhome or campervan our short-term motorhome insurance policy will cover you for:
- Comprehensive cover for the UK and third-party cover to drive in the EU (Optional comprehensive cover for the EU available.)
- Accidental damage, fire and theft
- Damage to other people’s property, third-party injury and death whilst the hirer is using someone else's motorhome or campervan
- Loss or damage to the vehicle including vehicle recovery and legal costs.
For a comprehensive list of what is covered by our short term campervan insurance, please see the policy wording.
What are the benefits of temporary motorhome insurance?
If you’re yearning to hit the open road but don’t have a motorhome or campervan of your own, hiring or borrowing one can provide the perfect alternative. And a temporary motorhome insurance policy has a number of benefits:
- It’s a fully comprehensive form of cover, so you can get behind the wheel safe in the knowledge that you’re well protected.
- It’s really quick and easy to arrange - All you need to do is find out the registration number, chassis manufacturer and engine size of the motorhome you want to get temporary insurance for and complete an online form with your details. You can complete it and purchase cover in minutes!
- Our temporary motorhome insurance starts from just £24.99 a day.
- It means you can enjoy motorhome or campervan travel without having to purchase your own vehicle.
Checking your eligibility for temporary motorhome insurance
Below are some of the main criteria you need to meet to be able to take out short-term motorhome insurance with us:
- You are aged between 25 and 75.
- You have held a full GB driving licence for at least 12 months.
- Your licence is the correct licence needed to drive the vehicle
- You have a permanent UK address
- You have had no more than 1 fault claim in the last 12 months
- You have had no more than 9 penalty points and have had no disqualifications in the last 18 months
- The vehicle you wish to hire or borrow has a current market value of less than £75,000 and has not been manufactured in the USA
- The vehicle is registered in Great Britain, Northern Ireland or the Isle of Man
- The vehicle has an engine size of 3000c or under and is not over 5 tonnes gross vehicle weight
- The vehicle has at least one bed of 6 feet in length, has wardrobe cupboards fitted, and has seating for diners at a table
- The motorhome or campervan, being insured, must be located in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man at the start date and time and end date and time of the temporary motorhome policy
- You are taking out cover or a period of between 1 hour - 30 days whether you borrow or hire.
For a full list of eligibility criteria, please refer to the Motorhome Acceptance Criteria.
How much does temporary motorhome insurance cost?
Our motorhome/campervan insurance policy starts from as little as £24.99 per day. However, your exact quote will depend on a few factors such as:
- the motorhome you want to insure
- how long you need cover for
- your individual circumstances, including your age and driving history.
How to take out your temporary motorhome/campervan insurance
One of the advantages of our temporary motorhome insurance is that it’s perfectly simple to set up. To get started, all you need to do is ask the owner for the motorhome or campervan details and enter them into our online quote journey along with your name, date of birth, UK address, occupation, email address, and your GB driving licence number. It’s that easy! You can get a quote and purchase cover within just a few minutes!
How to claim on your motorhome/campervan insurance
Our short-term motorhome insurance is underwritten by Aviva, whom you should call on 08000 156 166 if you are within the UK, or (0044)1603 603 728 if you are outside the UK if you need to make a claim.
What’s not covered by temporary motorhome insurance?
There are some important exclusions to be aware of when you take out temporary campervan insurance. For example, you will not be covered for:
- Any accident, injury, loss or damage that happens when the motorhome or campervan is being driven by someone not permitted to drive it, or by someone without a valid driving licence.
- Damage caused by wear and tear or electrical and mechanical breakdown.
- Loss or damage if the vehicle is left unattended with the ignition keys, or while the engine is running.
- Your personal effects (such as mobile phones.)
For a full list of our temporary motorhome/campervan insurance exclusions, please refer to the policy wording and the insurance product information document.
Why come to us for your temporary motorhome/campervan insurance
Here are just a handful of reasons why you can trust us to look after you when it comes to temporary motorhome and campervan insurance:
- With more than 30 years in the industry, nobody understands motorhomes and their drivers like we do.
- Our temporary campervan insurance is underwritten by Aviva, one of the largest insurers in the country, so you know you’re in good hands.
- We were recognised as the What Motorhome Insurance Provider of the Year on 11 separate occasions.
- Offering high-quality service is key to what we do and we have thousands of positive reviews from customers on Trustpilot to prove it.
Get a quote for temporary motorhome or campervan insurance today
Even if you don’t have a campervan of your own, that shouldn’t stop you getting out and exploring the open roads. So, if you hire or borrow a motorhome or campervan, our temporary motorhome insurance cover can help you take the wheel safe in the knowledge that you’re fully protected. Get an easy online quote with us today!
