CAMPERVAN INSURANCE
WHY YOU NEED CAMPERVAN INSURANCE
If you've been wondering how serious travellers spend their holidays, we've got the answer for you, and it's campervans.
Campervans are becoming more and more popular among people who want to avoid the hassle of airport check-ins, but still see another corner of the world - on their own terms.
Enter the campervan. Campervans are functional and allow exploring a country like never before.
More people than ever choose the open road instead of hotel resorts - it’s just a far more exciting and adventurous way to spend a holiday.
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Campervans can come in luxurious models that cost considerable sums of money.
That’s why smart travellers rely on specialised campervan insurance.
We have ample experience in arranging campervan cover and will take care of your van as you enjoy travelling and living inside it.
AVAILABLE BENEFITS AT A GLANCE:
- Motorhome Club member discounts
- EU cover up to 90 days
- Up to 365 days EU cover Available
- Gas Bottle & Awning Cover
- Windscreen Cover
- Optional Breakdown Cover
- 24 Hour Claims Helpline
- UK Based Call Centre
- Personal Effects up to £6000
- Limited mileage discounts available
Policy benefits, features and discounts offered on this page may vary between insurance schemes or cover selected and are subject to underwriting criteria. Some policy benefits may be at an additional charge.
DIFFERENCES BETWEEN MOTORHOMES AND CAMPERVANS
It’s critical that you don’t confuse a motorhome with a campervan when purchasing your insurance. Motorhomes and campervans share many things, but some features also make them different. Find out more about Lancaster Insurance Service's motorhome insurance here.
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Contrary to campervans, motorhomes usually have the driving cab separated from the living space.
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Campervans tend to be smaller and more compact.
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One of the most common campervan types is the Volkswagen Camper, but the vehicle comes in various shapes and sizes.
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Some campervans even have a pop-up or high-top roof.
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Motorhomes are larger and designed for roaming the country for more extended periods.
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Most motorhomes also contain far more advanced appliances than campervans (for example, full-sized ovens, fridges, and bathrooms).
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Motorhomes generally fall into these four categories: coach-built, A-class, American ‘RV’ style, and race trucks.
What isn't covered by Campervan Insurance?
Unfortunately, campervan insurance can’t cover everything that might go wrong with your campervan while travelling or at home. It’s essential that you review exclusions to insurance policies to have a clear idea about what is not covered.
For example, some insurers might not provide cover if the vehicle was stolen while you have left it unattended with the engine running. There may be more examples of similar situations so make sure to ask your provider about these exclusions. Another potential exclusion of campervan insurance is damage to tyres caused by braking. That may include punctures, bursts, or cuts. Moreover, some insurance policies may not cover damage caused by domestic animals, moths, vermin or pests.
We always strive to make sure the campervan policies we arrange are as accommodating as possible to the individual needs of our customers. If you would like to cover a particular situation, let us know, and we will include it in the calculating process when you ask us for a quote.
How do I make a claim?
Whether you have been in an accident, victim of a fire or your vehicle has been stolen, notify the Lancaster claims line as soon as possible by calling 01480 484802. If you’re dealing with theft, make sure to report it to the police immediately. Make a note of the crime book reference number the police give you. We will need it for processing. Then make a call to our claims line, and one of our technicians will help you take the next steps to make your claim.
How do we calculate your campervan insurance policy premium?
The cost of your campervan insurance cover is calculated based on a number of factors. These include information about both you (as well as any other potential drivers) and your vehicle. For example:
- Your details: Including your age and address
- Your campervan driving history: Your driving history, including any insurance claims you’ve made on a previous policy and/or convictions as well as previous experience of driving a Campervan or Motorhome will all be factors in the premium you pay
- The age and value of your campervan: A newer or more expensive vehicle, for example, might have higher premiums than an older campervan or caravan vehicle
- Where you store your campervan: Parking off-road, behind a barrier or at a campervan storage site may result in a lower quote
How much you use it (higher mileage): The more you travel (the higher your annual mileage is) in your vehicle in the UK and beyond, the higher the insurance premiums on your policy may be
How you can save on classic campervan insurance or motorhome insurance
You want to give your classic campervan the best protection possible. But you also want the most cost-effective UK campervan or motorhome insurance cover on offer.
Follow our tips and see how much you could save on your next insurance policy.
Add extra security
Keep your campervan or motorhome secure with an alarm system or tracking device
Park your vehicle off-road
Keep your vehicle on a driveway or garage to get cheaper cover on campervan insurance
Reduce your mileage
Don’t travel in your campervan for non-essential trips and you could pay less for your classic campervan insurance
Pay annually
Paying a one-off sum for campervan or motorhome insurance is cheaper than paying monthly. Your quote will include both options
Check add-ons
Insurance for classic campervans can come with added extras, such as campervan insurance breakdown cover or overseas travel cover. Only pay for what you need
CHOOSE THE RIGHT CAMPERVAN COVER: CAMPERVAN CONVERSION INSURANCE
Thinking of converting a van ready for a summer of UK travel? Specialist campervan conversion insurance is the most cost-effective way to get cover.
It’s important you declare any vehicle modifications to your insurance provider to ensure your policy remains valid. If they think you’ve misled them, they may not pay out on a future claim.
Modifications to a vehicle such as removing seats, adding kitchen fittings or installing power supplies is great for your travel plans, but may also affect the cost or acceptability of your insurance premiums.
Make sure you fully understand the terms of your current insurance policy and compare options from a number of UK insurance providers.
You may find switching to specialist insurance broker for converted campers is a smarter choice when it comes to insuring your campervan/specialist vehicle.
Get in touch with Lancaster Insurance Services for a fast, free quote and insurance cover that suits your needs.
With the right cover in place, you’re free to travel and enjoy your UK campervan holiday in style.
If you would like to speak to one of our specialists, you can call 01480 484826 or fill out our online form to get a quote for your vehicle
GET PERSONALISED COVER: START YOUR CAMPERVAN INSURANCE QUOTE TODAY
At Lancaster Insurance Services, we know you want insurance suited to your needs. Whether that’s a policy that includes UK business travel or breakdown cover for campervans, we’ve got you covered.
We take the time to understand you, your vehicle and your requirements to find the right campervan insurance policy or motorhome insurance policy for you at the right price.
It’s easy to get a campervan or motorhome insurance quote. You can request a quote online or speak with our customer support team. You’ll have your quotes in no time.
From campers to caravans to motorhomes, find out what cover we can offer. Get in touch with a campervan insurance professional today for your quote.
Here at Lancaster Insurance Services, we'll aim to find a competitive price for your individual cover need.
WHAT DO I NEED TO GET CAMPERVAN INSURANCE?
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You can only get campervan insurance if you’re over the age of 21.
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Note that insurance offers for drivers who are younger than 25 years of age may be slightly more expensive.
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Age is one of the factors insurers consider when generating a campervan insurance quote.
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Naturally, you also need to show us that you’re the legal owner of the campervan in question.
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We will require you to provide us with documents that prove your ownership.
Alternatively, you can telephone us on 01480 484826 to discuss your specific classic car insurance requirements.
LANCASTER CLASSIC CAR NEWS
Meet the Owner – Rob Haycock and his 1965 Slough-Built Citroën DS
Quite simply, I crave Rob’s Citroën DS. Aside from being one of the most beautiful cars in the history of the world, his 1965 example is not only to Pallas specification but also assembled in the Home Counties.
SYMBOL OF SUCCESS – FORD CORTINA GHIA ESTATE
Imagine the impact of taking delivery of a Ford Cortina 2.0 Ghia Mk. V Estate in 1979. The sable over chocolate brown Durham cloth and crushed velour upholstery would induce envy in virtually all your business colleagues.
MEET THE OWNER – MARTIN MALTAS AND HIS 1979 DODGE TELEVISION LICENCE DETECTOR VAN
Martin Maltas is the proud custodian of one of the most fascinating vehicles of the 2024 Lancaster Insurance Classic Motor Show – even if it is one you may not have welcomed in the 1970s.
THE FIRST VAUXHALL ESTATE CAR FROM LUTON
The news that the Vauxhall factory in Luton is expected to close will sadden many readers. The time when cars such as this 1961 Victor F-Type Estate departed the plant seems utterly distant.
THE LAST OF THE LINE – THE JAGUAR 420G
Some years ago, I described the Mk. X in The Telegraph as: “the last really louche Jaguar; a link to a lost world of chorus girls, black market gin and looking out for a police Wolseley in the rear-view mirror”.
WHY I CRAVED A VAUXHALL VICTOR 2300S
It is early 1975, and the two highlights of the week are The Goodies on BBC2 and the parental copy of Motor. And, if my memory is correct, it was in the latter I saw an advertisement for a car that epitomised style and glamour and would not be prone to breaking down on the A27.