Temporary Campervan Insurance

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There are several reasons why you might need to take out insurance on a camper on a short-term basis, such as if you’ve recently bought a motorhome and you need to drive it away, if you’ve borrowed someone else’s campervan for the weekend or if you’re not exactly sure what kind of annual policy you need just yet. 

Temporary campervan insurance can cover you for the short-term, whether it be for a few hours, one day, one week or one month. Whatever your reason for needing temporary motorhome insurance, it’s imperative that you have some kind of policy in place before you drive your campervan.

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How does temporary motorhome insurance work?

Temporary campervan insurance works by covering you to drive a campervan or motorhome on a short-term basis.

You can take out a short-term policy to cover you for the meantime, but if you plan on driving a motorhome for a long period of time, such as more than one month, for example, you must take out a proper insurance policy that you will pay monthly or annually.

What is covered with motorhome temp insurance?

What you’ll be covered for with motorhome temporary insurance depends on the exact type of policy you take out, how long for and the insurance provider you choose.

Most temporary campervan insurance policies usually come with comprehensive cover as standard, but it’s a good idea to double-check with the provider when you take out the policy so you know exactly what you are and aren’t covered for.

It will differ depending on the exact policy you get, but you can expect most temporary motorhome policies to cover the following:

  • Fully comprehensive cover from as little as one hour to one month
  • Loss, damage or theft of the van
  • Accidental damage to the campervan or motorhome
  • Full cover for driving in the UK (some policies may also include cover for driving in the EU, but this isn’t always the case)
  • Third-party cover for damage caused to another person or their property
  • Personal belongings inside the campervan (again, not every insurer will include this as standard, so be sure to check the policy documents)

How much does short term campervan insurance cost?

The cost of short term motorhome insurance also depends on numerous factors, such as:

  • The driver’s age
  • How long you’ve been driving
  • Previous driving convictions and driving history
  • The reason behind needing temporary insurance for a campervan
  • Make, model and age of the campervan or motorhome
  • The registered keeper details
  • The type of motorhome it is - whether it’s been self-converted, professionally converted or imported
  • Reg number of the campervan
  • Engine size and mileage (in some cases)

When you get a quote for temporary insurance for a campervan, you will be required to provide the above information so that you can get a quote that accurately reflects your short-term campervan insurance needs.

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Can I get short-term motorhome insurance if I’m under 25?

Insurance for any kind of vehicle for people under 25 is usually more expensive than those who are older than 25. While this does seem quite unfair, most insurance companies assume those aged older than 25 have been driving for longer so they are less likely to make a claim.

Therefore, you can expect to pay quite a hefty cost for campervan insurance if you’re under 25. In some cases, you may not be eligible to get temporary insurance for a motorhome at all if you’re not at least 25 years old as some insurers include it in their policies that you must be at least 25.

If you are under 25 and you want to take out temporary motorhome insurance, it’s a good idea to shop around for quotes from different providers to try and get the best deal possible, but you may have to accept that you’ll likely end up paying much more for temp campervan cover if you’re under 25.

Things to consider when taking out daily motorhome insurance

Not every campervan insurance policy will be the same, so when searching for quotes for temp motorhome cover, it’s important to consider some of the following criteria to see exactly what kind of policy will work best for you.

  • Does the policy include breakdown cover as standard or do you need to purchase it as an extra add-on?
  • Will you be covered to drive in the EU under your temporary car insurance policy or is it just for driving in the UK only?
  • Are your belongings inside the campervan covered or do you need to take out an additional policy to ensure they’re covered if anything happens to the van?
  • How much voluntary excess are you willing to pay if you need to make a claim on the policy?
  • How long exactly can you take out short term cover for a campervan? Some providers will only offer temporary cover for a few days at a time, whereas some insurance providers may offer longer temporary insurance.
  • Does the type of temp cover you have allow you to tax the campervan with the DVLA or do you need a proper motorhome policy to be able to do that?

Temporary campervan insurance can be very useful to have if you want to borrow someone’s motorhome for the weekend or if you’ve just bought a new campervan and need to drive it home.

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