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Specialist · Motorhome & Campervan

Motorhome insurance groups explained (UK 2026)

Here is the key fact most guides miss: motorhomes are not rated on the 1–50 car insurance group scale at all. UK motorhome cover instead starts from around £233 a year, with most owners paying £300–£520 — each vehicle is priced individually by an underwriter on value, body type, weight, storage and mileage rather than a fixed group number. This page explains how that pricing actually works, what a “class” means for a motorhome, and how to keep the premium down.

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Direct Answer

Do motorhomes have insurance groups?

No. Unlike cars and vans — which are placed in one of the 1–50 ABI insurance groups set by the Group Rating Panel using Thatcham Research data — motorhomes and campervans are not assigned a group number at all. The 1–50 system is built around mass-produced passenger cars where repair times, parts prices and performance can be benchmarked across thousands of identical vehicles. A motorhome is effectively a hand-finished vehicle: a base van or chassis-cab with a bespoke habitation conversion bolted on, so no two are truly comparable and the group panel simply does not rate them.

Instead, every motorhome is individually underwritten. A specialist insurer looks at the declared value, the body style (or “class”), the weight and licence category, where it is stored overnight, the annual mileage and the driver — then prices the risk directly. That is why a £60,000 coachbuilt driven 4,000 careful miles a year by a 55-year-old can cost less to insure than a hot hatch. If you want the full pricing picture, see our motorhome insurance cost guide for 2026 and the site-wide UK insurance cost index.

By Body Type

Typical UK motorhome insurance by type (2026)

Because there is no group number, the closest thing to a “group” for a motorhome is its body type or class — this is the first thing an underwriter looks at because it signals size, value and how the vehicle is driven. Here are typical comprehensive agreed-value premiums by type in 2026:

UK motorhome insurance — typical annual premium by type (2026)
Body type stands in for a “group”: a small campervan medians about £300, while an imported American RV runs to £850+.
American RV £850 A-class £520 Coachbuilt £420 Panel van conv. £395 Small campervan £300

Sources: Quotezone Q1 2026 motorhome quote data, NimbleFins average-cost analysis, Howden and Comfort Insurance published premiums for comprehensive agreed-value cover.

Motorhome typeMedian premiumTypical rangeWhat it is
Small campervan (day van)£300£180–£520VW California-style, cab retained
Panel van conversion (Class B)£395£233–£700Sprinter/Transit converted, base van kept
Coachbuilt (Class C)£420£300–£900Box body on a chassis-cab; most common UK type
A-class£520£400–£1,200Cab replaced; top-end, higher value
American RV / import£850£600–£2,000+Large left-hand-drive imports, high value

Sources: Quotezone Q1 2026 motorhome quote data (cover from £233; 51% of customers quoted under £420), NimbleFins average-cost analysis (a £55,000 motorhome averages roughly £615), Howden and Comfort Insurance published premiums. Figures are typical comprehensive agreed-value policies for a mature owner with secure storage; your quote will vary. Refresh: 2026-10-14.

Pricing Factors

What sets your motorhome premium instead of a group

With no group number to lean on, a specialist underwriter builds your price from these factors — roughly in order of impact:

  1. Declared / agreed value — the single biggest driver. A £90,000 A-class costs far more than a £25,000 second-hand coachbuilt because a total loss costs the insurer more.
  2. Body type and size — campervan, panel-van conversion, coachbuilt, A-class or American RV, as shown above. Larger and heavier means higher.
  3. Weight and licence — motorhomes over 3,500kg need a category C1 entitlement to drive. Drivers who passed before 1 January 1997 usually have C1 grandfathered; younger drivers must take a separate C1 test, and lacking it can push the premium up or restrict cover.
  4. Overnight storage — a locked drive, CASSOA-rated compound or secure storage site beats on-street parking and can cut 10–20%.
  5. Annual mileage — motorhomes are used seasonally and cover low miles; a 3,000–5,000-mile limited-mileage policy is usually cheaper than unlimited use.
  6. Driver profile and no-claims — age, history and no-claims discount still count. Many insurers let you mirror your car no-claims onto a motorhome policy, or build a separate motorhome NCD.
  7. Security and club membership — an alarm, tracker and immobiliser lower the price, and members of the Caravan and Motorhome Club or the Camping and Caravanning Club often unlock affinity discounts.

For occasional users, a cheaper motorhome insurance approach is to combine limited mileage, secure storage and a higher voluntary excess. If a car quote looks steep by comparison, our guide on why car insurance is so expensive in 2026 explains the wider market pressures — from 12% Insurance Premium Tax to record repair costs — that touch every motor policy.

Agreed vs Market Value

Why agreed value matters more than any group

The most important choice on a motorhome policy is not a group — it is agreed value versus market value. On a market-value policy the insurer decides what the vehicle is worth at the moment of a total loss, and depreciation can leave you thousands short, especially on a professional conversion worth far more than the base van. On an agreed-value policy you and the insurer fix the payout figure up front, backed by photos and receipts. Agreed value typically costs around 8–15% more but protects the money you have sunk into the build.

Three quick ways to keep the premium sensible without losing that protection:

  • Limited-mileage cover — declare a realistic 3,000–5,000 miles a year; most owners never exceed it.
  • Secure storage — a locked drive or CASSOA compound over the winter lay-up months is one of the biggest single discounts.
  • Higher voluntary excess — moving from £250 to £500 typically trims the premium, viable given motorhomes claim rarely.
Common Questions

Motorhome insurance groups — FAQs

No. Cars and vans are placed in one of the 1–50 ABI insurance groups set using Thatcham Research data, but motorhomes and campervans are not group-rated at all. Each is a bespoke build, so specialist insurers underwrite them individually on value, body type, weight, storage, mileage and driver rather than a fixed group number.
Cover starts from around £233 a year, and in Q1 2026 about 51% of customers were quoted under £420. Most owners pay £300–£520 for a comprehensive agreed-value policy, rising to £850+ for a large American RV. A typical £55,000 motorhome averages roughly £615. See our full cost guide for the detail.
The biggest factor is the declared or agreed value, followed by body type (campervan, panel-van conversion, coachbuilt, A-class or American RV), weight and licence category, where the vehicle is stored overnight, your annual mileage and your driver profile and no-claims discount. Security devices and Caravan and Motorhome Club membership can lower it further.
Market value lets the insurer decide what your motorhome is worth at the time of a total loss, so depreciation can leave you short. Agreed value fixes the payout figure up front with photos and receipts, protecting money you have spent on the conversion. Agreed value usually costs about 8–15% more but is strongly recommended for newer or professionally converted vehicles.
A standard category B car licence covers motorhomes up to 3,500kg. Above that you need a category C1 entitlement. Drivers who passed their test before 1 January 1997 generally have C1 grandfathered on their licence; anyone who passed later must take a separate C1 test. Not holding the right category can restrict cover or raise the premium, so check your maximum authorised mass on the V5C.
Usually yes. A small campervan or day van medians around £300 a year because it is lighter, lower-value and often used as an everyday second vehicle, while a coachbuilt medians nearer £420 and an A-class around £520 owing to higher value and size. The exact gap depends far more on value, storage and mileage than on the label itself.
Yes. Motorhomes are used seasonally and most owners cover only a few thousand miles a year, so declaring a realistic 3,000–5,000-mile limit is cheaper than unlimited use and rarely restrictive. Pair it with secure winter storage and a modest voluntary excess for the biggest saving without giving up agreed-value protection.
Many specialist insurers let you mirror your existing car no-claims discount onto a motorhome policy, which can knock a large chunk off a first premium. Others prefer you to build a separate motorhome no-claims record. You generally cannot use the same NCD on two policies at once, so check whether the insurer allows mirroring before you cancel anything.

Our sources

Reviewed by the Car Insurance Expert editorial team

Figures are compiled from Quotezone, NimbleFins, Howden and Comfort Insurance published data plus our own specialist-insurer quote sampling, benchmarked to a typical comprehensive agreed-value motorhome policy, refreshed quarterly and reviewed by the Car Insurance Expert editorial team.

Last updated: 2026-07-14

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