Large Motorhome Insurance UK & Europe: Best Options & Tips for 2026
Finding Motorhome Insurance is not as easy as you may think. If you’ve ever tried to insure a large motorhome, you’ll know it’s not as straightforward as ticking a few boxes online. After years of living on the road in our American RV (lovingly known as Betty), we’ve learned that finding the right insurance is about more than just price, it’s about peace of mind, especially when your home has wheels and your plans are always changing.
There’s a lot out there, and not every policy will suit those of us who travel full-time or take our motorhomes across borders. We’ve had our fair share of head-scratching moments, pouring over the small print and wondering if we’re really covered for that trip to Spain or a quick detour into Morocco.
So, I’ve pulled together everything I wish I’d known about motorhome insurance when we first set off: what to look for, which providers are worth a look, and a few lessons we’ve learned the hard way. Whether you’re just starting out or you’ve been rolling for years, I hope this makes your insurance search a bit less daunting and maybe even saves you a few quid along the way.
Ready? Let’s dive in.
Why Insurance for Large Motorhomes Is Different
Insuring a large motorhome isn’t quite the same as covering a car or even a smaller campervan. For one, the size alone brings a unique set of challenges, – think tight corners in Spanish villages or squeezing into campsites that promise “plenty of space” (but really mean “plenty of space for a Fiat 500”).
Large motorhomes are a big investment, and they’re often packed with all the comforts of home, kitchen gear, tech, personal belongings, and sometimes even the family dog. That means you need motorhome insurance that covers more than just bumps and scrapes. You want protection for your stuff, your travels across borders, and all those “what if” moments you never see coming.
From our own travels, we’ve found a few things that really matter when you’re looking for motorhome insurance for a big rig:
- European cover: Not all policies automatically include Europe-wide protection, so check if you’re covered for every country on your route.
- Breakdown recovery: Getting a large motorhome towed isn’t cheap or easy, make sure your policy includes breakdown cover for big vehicles.
- Personal contents: If you’re carrying laptops, cameras, or just about everything you own, make sure your insurance covers your stuff, not just the vehicle.
- Full-time use: Some insurers only cover you if you’re using your motorhome for holidays. If you’re on the road most of the year, you’ll need a policy that fits your lifestyle.
In short, large motorhomes need specialist insurance and it’s worth taking the time to find a policy that actually fits how you travel.
What to Look for in a Motorhome Insurance Policy
When you’re insuring a large motorhome, it’s not just about ticking the cheapest option. Over the years, we’ve learned that the right policy can save you a lot of hassle and money when things go sideways. Here’s what we always check before signing on the dotted line:
- European Cover
If you’re planning to travel outside the UK, make sure your policy includes European cover as standard. Some insurers limit the number of days you can spend abroad, or only cover certain countries, so double-check the small print especially if you’re eyeing places like Morocco or Switzerland. - Breakdown & Recovery for Large Vehicles
Not all breakdown services are set up for big motorhomes. Look for policies that offer specialist recovery (think: bigger tow trucks, and help that actually reaches you in rural spots). It’s worth asking if they’ll recover you from abroad and bring you back to the UK if needed. - Full-Time Use or Extended Trips
Some insurers only cover motorhomes used for holidays or short trips. If you’re living on the road for months at a time, make sure your policy allows for full-time or extended use otherwise, you might find you’re not covered when you need it most. - Personal Belongings & Contents
Your motorhome is your home, so you’ll want cover for all your gear, laptops, cameras, kitchen kit, and even bikes. Check the limits on personal belongings and see if you need extra cover for high-value items. - Legal Cover & Liability
Accidents happen, and legal cover can help with costs if you’re involved in a dispute. Public liability is also important, especially if you’re parking up in new places and meeting lots of people along the way. - No Claims Bonus & Discounts
Some insurers will let you carry over a no-claims bonus from your car, or offer discounts for security features like alarms, trackers, or secure storage when you’re not traveling.
The bottom line: Don’t be afraid to ask questions or get multiple quotes. The right policy should fit your travel style, not the other way around.
Breakdown & Recovery: Why We Chose RAC Arrival
One thing we learned pretty quickly is that not all breakdown cover is created equal especially when you’re driving a big rig. After a lot of research we found that RAC Arrival is hands-down the best option for large motorhomes.
RAC Arrival is designed specifically for motorhomes, including the really big ones that most standard policies won’t touch. They have specialist recovery trucks and teams who know how to handle larger vehicles, which is a huge relief if you ever find yourself stuck somewhere remote.
Here’s the catch: You can only sign up for RAC Arrival if you’re a member of the Camping and Caravanning Club. For us, the membership was absolutely worth it for the peace of mind alone. Plus, the club has a bunch of other perks discounted campsites, friendly advice, and a community of fellow travellers who “get it.”
A handy tip: once you’ve got RAC Arrival, you can keep renewing your cover each year, even if you don’t stay a member of the club. So, you can get the specialist breakdown and recovery for your big motorhome without having to keep up the club membership long-term.
If you’re running a large motorhome, I’d honestly recommend looking into this combo. Knowing we’ve got proper backup lets us focus on the adventure, not the “what ifs.”
The Challenge: Insuring American RVs in the UK
If you’re travelling in an American RV, you’ll know that finding motorhome insurance in the UK can be a real headache. Most mainstream insurers simply aren’t set up for US imports, they often don’t recognise the chassis, the size, or the fact that some of these rigs are basically rolling apartments!
When we bought Betty (our American RV) here in the UK, we quickly realised the usual comparison sites weren’t much help. The quotes were sky-high, if we got any at all and the policies often excluded the very things we needed, like full European cover or breakdown for oversized vehicles.
What’s worked for us:
- Specialist brokers: We had the best luck with brokers who know their way around American RVs. Companies like Comfort Insurance, AIB Insurance, and Stuart Collins & Co are all worth a call. They understand the quirks of American rigs and can usually put together a policy that actually fits.
- Paperwork ready: Have your vehicle specs, any import documents, and proof of modifications or safety features handy. It speeds up the process and helps them find you the right cover.
- Pick up the phone: We found that speaking to someone directly made a huge difference, they could actually ask the right questions and find a solution that fit, rather than just ticking boxes online.
It might take a bit more effort, but it’s worth it for the peace of mind. And once you’re sorted, you can focus on the fun part: exploring those winding European roads in something that turns more heads than a supercar!
Top Insurance Providers for Large Motorhomes in the UK & Europe (2026)
Finding the right insurer for a large motorhome can feel like searching for a needle in a haystack. Over the years, we’ve tried a few and spoken to plenty of fellow travellers about what’s worked for them. Here’s a quick look at some of the top options, plus what makes each one stand out (or fall short):
1. Comfort Insurance
Comfort Insurance is a favourite among the motorhome crowd, especially for big rigs and American RVs. They offer policies that include European cover, breakdown options, and flexible terms for longer trips. We found their customer service really helpful, especially when we had questions about insuring Betty.
Pros:
- Specialist cover for large and American motorhomes
- Good European travel options
- Friendly, knowledgeable staff
Cons:
- Policies can be pricier than basic insurers
- Some extras (like breakdown) are add-ons
2. AIB Insurance
AIB Insurance is another broker who understands the quirks of unique or imported motorhomes. They’re known for tailoring policies to suit your needs, whether you’re full-timing or just taking extended trips.
Pros:
- Flexible policies for unusual vehicles
- Can cover full-time use
- Willing to discuss your specific situation
Cons:
- You may need to call for a quote
- Not always the cheapest, but you get specialist advice
3. Stuart Collins & Co
Stuart Collins & Co are a solid choice if you want truly comprehensive European cover, including for American RVs. They’re a bit old school (don’t expect flashy online quotes), but they know their stuff and are happy to talk through your options.
Pros:
- Excellent for European and international travel
- Good for imported and non-standard vehicles
- Straightforward, personal service
Cons:
- No instant online quotes—phone or email only
- Not as well-known, so do your research
4. Caravan Guard
Caravan Guard is who we’re currently insured with for Betty, and so far, they’ve been a solid choice for our large American RV. Their policies are designed for motorhome owners, and they’re familiar with the needs of people who travel beyond the usual holiday trips.
Our experience:
We chose Caravan Guard after struggling to find a provider who really “got” the quirks of American RVs. The process was straightforward, and their team were happy to talk through our questions, no hard sell, just honest advice. We’ve had to update our policy a couple of times as our travel plans changed, and it’s always been hassle-free.
Pros:
- Policies tailored for large and imported motorhomes
- Helpful, knowledgeable staff who understand American RVs
- Good European cover options
- Flexible if your travel plans change
Cons:
- Like most specialists, not the cheapest option, but worth it for peace of mind
- Some extras (like breakdown) may require add-ons or separate cover
5. Caravan and Motorhome Club
Caravan and Motorhome Club is another well-known provider for motorhome insurance in the UK. They offer policies specifically for motorhomes, including larger and imported models, and also provide a range of extras like breakdown cover and European travel options.
What stands out:
The Caravan and Motorhome Club is a popular choice for many in the community, thanks to their reputation and range of member benefits. Their policies are flexible, and they’re used to dealing with all sorts of vehicles from standard coachbuilds to big American imports.
Pros:
- Trusted name with a strong reputation among motorhome owners
- Policies that cover large and imported motorhomes
- Good European travel cover
- Member perks and discounts on campsites and services
Cons:
- Membership required to access insurance
- Some extras may cost more or require additional policies
Every traveller’s needs are different, so it’s worth ringing around and getting a few quotes. Don’t be afraid to ask lots of questions especially about European cover, full-time use, and what’s actually included in the policy.
How to Save Money on Large Motorhome Insurance
Insurance for big rigs isn’t cheap, but there are a few ways we’ve managed to keep our costs down over the years. Here’s what’s worked for us (and what we’ve learned from chatting with other motorhomers along the way):
- Shop Around and Compare Quotes
Don’t just accept your renewal quote every year, we get a few quotes from different providers. Sometimes, just mentioning a competitor’s price can get you a better deal. - Join Clubs for Discounts
Being a member of groups like the Camping and Caravanning Club or the Caravan and Motorhome Club can unlock exclusive rates or perks. Even if you don’t stay a member long-term, the initial discount can make a difference. - Increase Security
Fitting extra security devices like alarms, trackers, and wheel locks, not only gives you peace of mind but can also lower your premium. Be sure to mention any security features when getting quotes. - No Claims Bonus
If you’ve got a good driving record or a no claims bonus from another vehicle, ask if it can be transferred. Some insurers will take this into account and offer a discount. - Limit Your Mileage (if possible)
If you know you won’t be driving huge distances, some policies offer lower rates for limited mileage. - Store Your Motorhome Securely
If you keep your motorhome in a secure storage facility or on your own property with good security, let your insurer know, they may offer a discount. - Pay Annually
Paying for your policy in one go (instead of monthly) usually works out cheaper overall.
A little bit of effort up front can really pay off in the long run and every pound saved on insurance is another pound for the adventure fund!
Frequently Asked Questions About Large Motorhome Insurance
Can I get European cover for my large motorhome?
Yes, but always check the details! Some policies include European travel as standard, but others limit the number of days or countries you can visit. If you’re planning extended trips, make sure your policy covers everywhere you want to go including places like Morocco or Switzerland, which sometimes need extra paperwork or don’t cover at all.
Do I need to be a club member to get specialist insurance or breakdown cover?
For some options, yes. For example, RAC Arrival requires you to join the Camping and Caravanning Club (at least initially). The Caravan and Motorhome Club also offers insurance and perks for members. That said, once you’ve got certain covers in place, you can sometimes renew without maintaining club membership so it’s worth asking when you sign up.
Is it harder to insure an American RV in the UK?
Absolutely, it can be trickier and sometimes pricier, but it’s definitely possible. Mainstream insurers usually won’t touch them, so go through specialist brokers like Comfort Insurance, AIB Insurance, Stuart Collins & Co, or Caravan Guard. Be ready to provide all your vehicle details, and don’t be afraid to call around.
What about breakdown cover for really big rigs?
Standard breakdown cover often isn’t enough for large motorhomes. We’ve found RAC Arrival to be the best option, as they’re set up for big vehicles and understand the needs of full-time travellers. Just remember the club membership requirement!
Can I transfer my no-claims bonus from a car policy?
Sometimes, yes! Some insurers will let you use a no-claims bonus from another vehicle to lower your motorhome premium. It’s always worth asking when you get a quote.
Does full-time use cost more?
Generally, yes if you’re living in your motorhome year-round, insurers see it as a higher risk. But there are policies out there for full-timers, so be upfront about your travel style to make sure you’re properly covered.
Final Thoughts & Next Steps
Insuring a large motorhome especially something a bit out of the ordinary like an American RV definitely takes more effort than just clicking through a comparison site for motorhome insurance. But once you’ve got the right cover in place, you can hit the road with real peace of mind, knowing you’re protected no matter where the adventure leads.
If you’re just starting out, my best advice is to make a list of what matters most to you (European travel, breakdown cover, full-time use, etc.), then ring around a few specialist brokers. Don’t be shy about asking questions or sharing your travel plans, they’ve heard it all before, and the right broker will help you find a policy that actually fits your life, not just your vehicle.
And if you find a great provider (or learn something the hard way), share your experience! The motorhome community is full of people helping each other out, and your story could make someone else’s journey a little bit easier.
Safe travels, and here’s to many more miles of adventure worry-free!
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