How to Keep Your Campervan Insurance Costs Down

There’s a lot to love about life as a campervan owner. Your pride and joy is your home away from home, enabling you to explore all manner of new and exciting places with your loved ones, creating special memories along the way. But you’ll also know there are plenty of practicalities to consider – not least the financial commitment involved.

And we don’t just mean the initial cost of buying a campervan. There’s also fuel, tax, maintenance and repairs to factor into the equation. And of course, there’s campervan insurance to think about too.

It makes sense that you want the right level of protection, but nobody wants to pay over the odds for their cover. With that in mind, we’ve put together this handy guide on how to reduce your campervan insurance costs.

How much does it cost to insure a campervan?

It’s very difficult to put a precise figure on the average cost of campervan insurance. In truth, each quote is likely to be different and based on a number of factors such as the vehicle’s age, make and model.

On top of that, the price of your premium will depend on your personal information – for example the amount of time you’ve held your licence or if you have any driving convictions. But as a general rule, there are some things you can do to reduce the cost of your campervan insurance:

Take extra courses

Even if you’re vastly experienced, there are always steps you can take to improve your driving. It might be that you want to work on a particular area – such as manoeuvres or going on the motorway – for which individual sessions are available.

Alternatively, you may be looking for something all-inclusive to hone your general skills. But whichever option is best for you, these advanced courses can help to keep your campervan insurance costs down. There will likely be an initial fee, but you can offset this against the long-term savings to be made on your premium.

Calculate your mileage

If you’re covering tens of thousands of miles each year, your policy is likely to cost more than someone who only uses their camper for the occasional short trip. The important thing is to make sure you have a clear idea of what your annual mileage looks like. If you overestimate, that could be reflected in a more expensive campervan insurance premium.

Use physical security

The likes of steering wheel locks, pedal clamps, wheel clamps, gearstick locks, wheel nuts and chains can act as a major deterrent to thieves. These will cost money to purchase in the first place, but if you have multiple security measures in place then it not only offers that all-important peace of mind but can also help you find low-cost campervan insurance.

Install trackers

You may think these are only necessary for higher-end motorhomes, but a tracker is well worth considering no matter the value of your vehicle. If disaster does strike and your campervan is stolen, the tracker remains active 24/7 and makes it much easier to be located by the authorities. This in turn increases the chances of a successful recovery, which can help to reduce your campervan insurance costs.

Become a member

Joining clubs or organisations can also prove beneficial, as some providers will offer discounted premiums for members. There are plenty of other advantages, too – it allows you to immerse yourself in the campervanning community, sharing hints and tips as well as socialising with like-minded individuals.

Get regular valuations

You need to make sure your cover reflects the condition of your vehicle. By periodically getting your campervan valued, you’ll have an accurate idea of how much it is worth and will avoid paying over the odds for a premium that might be tailored towards a more expensive vehicle.

Add driver-assist functions

Even if you’re a confident driver, getting back behind the wheel – especially after a long break – can leave you feeling rusty. Any bumps or scrapes can cause a surprising amount of damage, not to mention hiking up the price of your campervan insurance. So, the installation of driver-assist cameras and motion sensors can help to avoid such accidents and ensure you always drive away unscathed.

Store it safely

One great way to reduce the cost of your campervan insurance is to keep it locked up in a secure facility. For example, the Caravan Storage Site Owners’ Association (CaSSOA) offers approved locations featuring ANPR, cameras, alarms and perimeter fencing – all designed to protect your vehicle from the risk of theft.

If you do not wish to use a CaSSOA site, keeping your camper locked up in a secure unit or garage can help to lower your premium. Your geographical location may also make a difference, as busy city centre postcodes will usually mean higher campervan insurance costs when compared to quiet rural areas.

Find out how much it costs to insure a campervan with Comfort Insurance

Want to know how much your campervan cover might cost? Over the years we’ve provided thousands of customers with the protection they need with our premiums starting from £220, so why not get a quote today to find out if we can help you too. Or, if you’d prefer to speak to a member of our friendly team, simply give us a call on 0208 984 0666 and we’ll be happy to talk to you.