If you’re planning to buy a motorhome or campervan in 2026, you’re not alone. New research commissioned by insurance specialist Safeguard found that 44 per cent of British drivers would like to purchase one this year.
But there’s a catch and it’s a big one.
The same survey revealed that 40 per cent of motorists may not realise it’s illegal to drive a motorhome or campervan without specialist insurance in place. That’s a worrying gap in awareness, especially with so many people looking to join the touring lifestyle.
It’s easy to assume your standard car insurance might cover you or that you can sort the paperwork after you’ve picked up the keys. In reality, motorhomes and campervans need their own dedicated insurance policy before you drive them away.
Mark Sheppard, senior trading manager at Safeguard, said: “While many Brits are considering buying a motorhome or campervan this year, our research confirms that a significant number don’t realise they need to take out dedicated insurance cover that’s separate from their motor policy before driving their vehicle.”
So why is it different from caravan insurance, which is optional? Put simply, motorhomes and campervans are classed as vehicles, just like cars and vans, which means insurance is a legal requirement.
If you’re caught driving without the correct cover, you could face a fixed penalty of £300 and six penalty points on your licence. A surprise you certainly don’t want at the start of a holiday.
Safeguard recommends that every motorhome and campervan owner check that they’re properly insured before getting behind the wheel, so you can focus on the fun part – planning where to go first.
Image credit: Pixabay/Demetris Vetsikas
