Travel with peace of mind with RAC Motorhome Insurance

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Motorhome Insurance

Protect your motorhome whilst on the road or at home with RAC Motorhome Insurance.  We provide a specialist policy designed to meet the needs of motorhome owners.

Cover for up to 9 months of European travel

£5,000 personal effects cover

3 years or 15,000 miles new for old cover

If you prefer to get a quote over the phone, simply call us on 0330 159 1475.

  1. Why Choose RAC Motorhome Insurance?
    We are the motoring experts, and with 120 years’ experience of serving our customers, you know your motorhome will be in safe hands when you buy with the RAC.
  2. What am I covered for?
    Our cover will protect you in case of accidents and theft. It will give up to £3,000 windscreen cover, gas and explosion cover, and up to £20,000,000 liability cover.
  3. What freedom does it give me?
    With RAC Motorhome Insurance you will receive 365 days EU Green Card. Standard rates provide cover for up to 9 months travelling, as well as a car and accommodation should you be involved in an accident or if your motorhome is stolen.

Add RAC Breakdown Cover to your policy

Don’t let a breakdown disrupt your holiday – RAC Breakdown cover is available for motorhomes or campervans of any weight, height or length. This includes European and repatriation cover.

All the information you need to amend your policy or make a claim


RAC Campervan Insurance to protect your pride and joy


Insurance for static and touring caravans, whilst in the UK and abroad

We also offer

Our comprehensive Car Insurance Plus is packed with features and benefits and has a Defaqto 5 Star Rating.


10% multicar discount for up to three additional cars so you can cover your whole family.


Protect your classic car with an insurance package that is tailored to meet the needs of you and your vehicle.


Frequently Asked Questions

Q. Can I take out a standard car insurance policy for my motorhome?
There are some policies that would legally cover certain motorhomes but it would not include the necessary protection including gas and explosion and personal effects cover.
Q. Does motorhome insurance cover the contents of my motorhome?
Yes, but there is a limit of up to £5,000.
Q. Is there a limit to how many miles I can drive in my motorhome?
There are no limits, however the cost of your policy is dependent on the number of miles you travel.
Q. Do I need a different driving licence to drive a motorhome?
See for legal requirements.
Q. Does my insurance cover me to drive outside the UK?
Yes your insurance will cover you for most countries in Europe. Full details can be found in our policy booklets.
Q. Can passengers travel inside the main living quarters whilst on the road?
Yes, but it must be no more than the number of passengers the motorhome is meant to carry and be within the legal load limits of the vehicle.
Q. Does your insurance cover full-timing?
Yes, if you’re planning on full-timing for 9 months or more, we can provide appropriate insurance for your motorhome. The amount of time spent on the road will be reflected in the premium paid.
Q. Does motorhome insurance cover me if I breakdown?
Not as standard however you can purchase RAC Breakdown cover as an optional extra during the online quote journey.
Q. Do you provide cover for American-style RV’s?
Yes. Please call in if you would like to discuss over the phone or are unable to locate your vehicle on the online quote journey.
Q. Does motorhome insurance cover anything attached to the outside of the motorhome (i.e. a motorbike) or anything I am towing (i.e. a boat)?
The policy will only cover a bike rack / trailer.
Q. Will insurance cover me for damage done by my pets?
No – this type of damage is not covered under your policy.
Q. Am I prohibited from transporting certain items in my motorhome, i.e. power generators, gas cylinders, etc.?
The transport of dangerous goods regulations do not apply to private goods.  However it is recommended that you keep potentially hazardous items in locked storage (usually provided).
Q. What can I do to make my motorhome more secure?
Good quality trackers and alarms paired with steering wheel locks and clutch claws are a strong deterrent for thieves.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England No. 5171817 Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Financial Services Limited is authorised and regulated by the Financial Conduct Authority. RAC Caravan/Motorhome/Campervan Insurance is arranged and administered by Victor Millwell Insurance Agency Ltd. Registered in England no 01419341. Registered office: 8 Goresbrook Road, Dagenham, RM9 6UR, Victor Millwell Insurance Agency Ltd trading as VM Insurance Services, is an Independent Intermediary and is authorised and regulated by the Financial Conduct Authority. T: 0330 159 1475 W:

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