Motorhomes

Motorhome Insurance

Routen Chaplin arranges specialist motorhome insurance for owners who want suitable cover for life on the road.

Whether you own a modern motorhome, classic VW campervan, American RV or specialist camper conversion, the right insurance should reflect how you use your vehicle, where it is kept, where you travel and what level of protection you need.

We have been providing motorhome insurance for over 50 years, helping clients find quality cover through strong relationships with leading insurers and specialist underwriters.

Specialist insurance for motorhomes

Motorhomes are different from standard cars. They are part vehicle, part living space, and they often carry personal belongings, equipment and travel essentials.

That means motorhome insurance needs to consider more than just the vehicle itself.

At Routen Chaplin, we take the time to understand your motorhome, how often you use it, where you keep it, the value of the vehicle and whether you travel in the UK, Europe or further afield.

Our aim is to help you arrange suitable cover at a competitive premium.

What can motorhome insurance cover?

Depending on the policy, motorhome insurance can include cover for:

• Accidental damage
• Fire and theft
• Windscreen cover
• Personal belongings
• Awning cover
• Audio and navigation equipment
• European travel
• Breakdown cover
• Legal expenses
• Replacement locks
• Courtesy vehicle options
• Agreed value, where available
• Cover for campervan conversions
• Cover for classic campervans and American RVs

Every motorhome is different, so it is important to choose insurance that reflects your vehicle and how you use it.

What factors affect motorhome insurance?

When arranging motorhome insurance, insurers will usually consider several important factors.

Factor	Why it matters
Vehicle value	Higher-value motorhomes may cost more to repair or replace
Mileage	Annual mileage can affect the level of risk and premium
Storage	Garaging, secure storage or driveway parking can influence cover
Security	Alarms, immobilisers, trackers and additional locks may be considered
Vehicle age	Older, classic or imported motorhomes may need specialist cover
Usage	Occasional holidays, long trips and regular touring can affect the policy
European travel	Travelling abroad may require additional cover
Driver details	Age, driving history, claims and convictions can affect the quote
Modifications	Camper conversions, accessories and upgrades should be declared
Contents	Personal belongings and equipment may need to be included

Motorhome insurance for UK and European travel

Many motorhome owners use their vehicles for holidays, touring and longer trips.

If you travel abroad in your motorhome, it is important to make sure your policy includes the right level of European cover.

This can be especially important if you regularly drive through France, Spain, Portugal, Germany or other European countries.

Routen Chaplin can help you consider whether your motorhome insurance includes suitable cover for European travel, including the length of trips, breakdown assistance and any policy restrictions that may apply.

Classic VW campervan insurance

Classic VW campervans are much-loved vehicles with strong enthusiast appeal.

They often need a more specialist insurance approach because their value may depend on condition, originality, restoration work, modifications and demand among collectors.

Routen Chaplin can help arrange insurance for classic VW campervans, including cover that reflects how the vehicle is used and cared for.

If your campervan has been restored, modified or converted, we can help make sure those details are properly considered.

American RV insurance

American RVs can be larger, higher value and more specialist than standard UK motorhomes.

Because of their size, specification, import status and repair requirements, they may need a more tailored insurance policy.

Routen Chaplin can help arrange insurance for American RVs and larger motorhomes, considering factors such as value, storage, mileage, usage and travel plans.

Campervan and motorhome conversions

If your motorhome or campervan has been converted, it is important to declare the conversion and any modifications.

This can include:

• Kitchen units
• Sleeping areas
• Pop tops
• Solar panels
• Leisure batteries
• Heating systems
• Water tanks
• Gas installations
• Specialist seating
• Storage units
• Electrical systems
• Exterior accessories

A converted vehicle may not fit a standard insurance policy, so specialist advice can be useful.

Why specialist motorhome insurance matters

Motorhomes are often significant investments. They may also hold sentimental value because of the holidays, travel and memories attached to them.

A standard motor policy may not always be enough because it may not fully reflect:

• The value of the motorhome
• The equipment inside the vehicle
• Travel abroad
• Specialist parts or conversions
• Secure storage arrangements
• Limited or seasonal use
• The cost of replacing or repairing the vehicle
• The way you actually use it

Specialist motorhome insurance can help make sure these details are properly considered.

Why choose Routen Chaplin?

Routen Chaplin has been providing motorhome insurance for over 50 years.

Over that time, we have built strong relationships with leading insurers and specialist underwriters, helping us arrange suitable cover for a wide range of motorhome owners.

Our team can help you consider:

• Whether your motorhome is insured for the right value
• Whether your policy reflects your annual mileage
• Whether your storage and security details are accurate
• Whether you need European travel cover
• Whether you need cover for a classic VW campervan
• Whether you need insurance for an American RV
• Whether any modifications or conversions need to be declared
• Whether breakdown cover may be useful
• Whether your current cover still suits how you use the vehicle

Our aim is to make the process straightforward and help you arrange cover with confidence.

Motorhome insurance FAQs

What is motorhome insurance?

Motorhome insurance is specialist vehicle insurance designed to cover motorhomes, campervans, RVs and similar leisure vehicles.

It can include cover for the vehicle itself as well as additional features such as personal belongings, awnings, equipment and European travel, depending on the policy.

Is motorhome insurance different from car insurance?

Yes. A motorhome is not used in the same way as a standard car.

It may include living space, specialist equipment, personal belongings and travel-related risks. This means it usually needs a policy designed for motorhome ownership.

Can I get cover for travelling abroad in my motorhome?

Yes. European travel cover may be available depending on the policy.

If you plan to travel abroad, it is important to check how many days are included, which countries are covered and whether breakdown cover is included.

Do you insure classic VW campervans?

Yes. Routen Chaplin can help arrange insurance for classic VW campervans, including restored, cherished and specialist examples.

Do you insure American RVs?

Yes. Routen Chaplin can help arrange insurance for American RVs and larger motorhomes.

These vehicles often need specialist consideration because of their size, value, parts and usage.

Do I need to declare modifications or conversions?

Yes. You should declare any modifications, conversions or upgrades when arranging motorhome insurance.

This helps make sure the policy accurately reflects your vehicle and avoids problems if you need to make a claim.

Can I get agreed value cover for my motorhome?

Agreed value may be available depending on the vehicle and insurer.

This can be useful for classic campervans, restored vehicles, imported RVs or motorhomes that may be difficult to value using standard market data.

What affects the cost of motorhome insurance?

The cost of motorhome insurance can be affected by the vehicle’s value, age, mileage, storage, security, driver history, usage, modifications and whether you need European travel cover.

Get a motorhome insurance quote

Need insurance for a motorhome, campervan, classic VW campervan or American RV?

Speak to Routen Chaplin today. Our friendly team can help you arrange specialist motorhome insurance that reflects your vehicle, your travel plans and the level of protection you need.

Call 0115 973 7307 or request a motorhome insurance quote today.