Temporary motorhome & campervan insurance: An owner’s guide
At Comfort Insurance, we understand that your motorhome or campervan is your pride and joy. It’s racked up the miles on so many adventures down the years – both here in the UK and further afield – and the memories of those trips will last a lifetime.
With so many fond recollections, perhaps you want friends and family to experience the same enjoyment you have? Or maybe you’d like to make some extra income by renting it out to holidaymakers?
There are plenty of benefits to letting someone else take your campervan out on the open road. But at the same time, you need to know your vehicle is going to be properly protected. That’s where our temporary motorhome insurance provided in association with Dayinsure and underwritten by Aviva can provide the perfect answer. Read on to find out more about this special policy, how it works, how much it costs and how easy it is to secure that all-important peace of mind when you rent out your campervan.
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What is temporary motorhome insurance?
Our short-term motorhome/campervan insurance is underwritten by Aviva. It offers a comprehensive policy for a period of as little as an hour to 30 days for anyone hiring or borrowing your motorhome.
What is covered by temporary motorhome insurance?
Our temporary motorhome/campervan insurance is a comprehensive policy which covers the hirer for:
- Comprehensive cover for the UK and third party cover to drive in the EU (Optional comprehensive cover for the EU available.)
- Accidental damage, fire and theft
- Damage to other people’s property, third-party injury and death whilst the hirer/borrower is using your motorhome.
- Loss or damage to the vehicle including vehicle recovery and legal fees.
The above are just some of the circumstances covered by our temporary motorhome insurance. For a full list, please see the temporary motorhome insurance policy
What are the benefits of temporary motorhome insurance?
There are plenty of benefits to you when someone rents or borrows your vehicle with a temporary motorhome/campervan insurance policy:
- Any claims made by the hirer/borrower under the temporary motorhome insurance policy will not affect your annual cover or your no-claims bonus.
- You’ll have that all-important peace of mind that your vehicle is fully protected even when being driven by somebody else.
- There’s no need for you to get in touch with us when you want to hire your vehicle out.
- If your campervan would otherwise be sat unused, hiring it out is a great way to keep it ticking over and avoid any problems that can arise through long periods of inactivity.
- You can also make a little extra cash by renting out your vehicle. Any fees you charge are entirely between you and the hirer and make no difference to the temporary motorhome insurance or your existing annual policy.
How much does temporary campervan insurance cost?
As the owner of the vehicle, a short-term campervan insurance policy will not cost you a penny. Instead, it is up to the renter or borrower to pay the premium. Our temporary insurance starts from just £24.99 per day!
How to organise temporary motorhome insurance
Your part in organising temporary campervan insurance is simple. All you have to do is provide the renter/borrower with your vehicle registration, chassis manufacturer and engine size. They can then fill out a quick and easy form to get a quote and purchase cover in a matter of minutes! It’s important to note that the temporary insurance cover must be set up by the hirer or borrower and not the vehicle owner.
What do I need to do on the day of hiring out my motorhome?
To help for a smooth handover and to ensure that the person hiring/borrowing gets the most from your motorhome, it's good practice to show them how everything works. This includes for example how and where to put water and fuel into your motorhome, how to empty the waste cassette, how to hook up to on-site electrics etc. To prevent misfuelling, clearly mark all fuel and fluid inlets so that the person borrowing your motorhome knows where to put water and diesel into your vehicle. Some motorhome owners even produce their own instruction guides which detail how everything works.
What limits apply to renting out your motorhome?
You can rent out your vehicle as often as you like, although each individual temporary campervan insurance policy is only valid for a maximum of 30 days..
Do I need a gas safety certificate to hire out my motorhome?
The Gas Safety Regulations do not generally apply to privately owned motorhomes or campervans used for person use. However, The Gas Safety (Installation and Use) Regulations 1998 apply if you are intending to hire out your motorhome. The regulations require that each and every gas appliance and flue is checked at intervals of not more than 12 months by a Gas Safe Registered engineer. The safety of the appliances will be evidenced by a Gas Safety Certificate.
What’s not covered by temporary motorhome insurance?
Of course, not all circumstances are covered by our temporary campervan insurance. If you rent your vehicle out, the hirer will not be covered for:
- Any accident, injury, loss or damage that occurs when the motorhome is being driven by someone not permitted to do so, or by someone without a valid licence.
- Loss or damage if the campervan is left unattended with the ignition keys or while the engine is running.
- Any damage caused by wear and tear or electrical and mechanical breakdown.
- Tyre damage caused by braking, punctures, cuts or burst
For a full list of the exclusions on our short-term motorhome insurance, please refer to the policy wording and insurance product information document.
Why choose us for temporary motorhome insurance
If you’re thinking about hiring out your vehicle, you want the renter to be covered by a reliable provider of short-term campervan insurance. Here are just a few reasons why you can depend on us:
- We were named What Motorhome Insurance Provider of the Year on 11 separate occasions – well-deserved recognition for all our hard work.
- With more than 30 years of experience in the industry, you can feel confident that we know what we’re talking about.
- Our customers are always our number one priority, and we have a rating of ‘Excellent’ from more than 8,000 reviews on Trustpilot as evidence of that.
- Our temporary motorhome insurance policies are underwritten by Aviva, one of the country’s leading insurers, so you can relax in the knowledge that you’re in safe hands.
