campervan holiday travel insurance

You are about to leave geico.com

When you click "Continue" you will be taken to a site owned by , not GEICO. GEICO has no control over their privacy practices and assumes no responsibility in connection with your use of their website. Any information that you provide directly to them is subject to the privacy policy posted on their website.

RV Insurance

RV insurance for wherever life takes you

Call (877) 434-2678 (geico-rv) to get a policy in minutes., prefer to start a quote online.

Submit a quick application and we'll contact you with a quote.

Log in to Your RV Policy

Remember Me i Log In

• Sign up for online access
• Forgot your password ?

Need an RV insurance quote?

Existing policyholder?

Start your next trip with the right coverage at the right price

GEICO offers affordable RV insurance with great coverage tailored to your needs. Whether it's an RV, camper, motor home, or travel trailer, our RV specialists are available to help you get the right coverage for however you vacation.

Specialty Coverage You Can Count On

Customize your GEICO RV insurance policy with a wide range of specialty coverage options designed for motorized RVs, towable RVs, and travel trailers (including toy haulers).

Discounts To Help You Maximize Savings

Rack up savings on your RV insurance policy with our growing list of discounts, including a defensive driver discount, military discount, good student discount, and more.

Flexible Features for When You're on the Go

Choose how and when you pay with our flexible payment plans and options on all RV insurance policies. Plus, manage your policy and file claims right from your device with our app.

What info do I need to get an RV insurance quote?

Help us get you on the road sooner by gathering the information below before you start a quote.

Vehicle Information

You'll provide some basic details about your RV, including:

• Series Name (if applicable)
• Model Number

We'll need to know the number of days you use your vehicle per year on average to give you the best rate possible. Not sure of the exact number? That's ok! Just give your best guess.

Lienholder Info

If you're financing your RV, we're happy to send proof of coverage to your lender. Just let us know how to reach them by providing the name, address, and email or fax number of your lienholder.

What is RV Insurance?

RV Insurance includes the protection you need-designed with travel and leisure in mind.

Recreational Vehicle (RV) insurance is a specialized insurance policy designed to protect owners of camper vans, trailers, and other recreational vehicles. It provides coverage for bodily injuries and damage to your vehicle or property.

RV insurance coverage varies based on:

• The coverages you need
• How you use your RV
• The type of RV you own

Do I need RV insurance?

The right RV insurance for you depends on your vehicle type, coverage needs, and state laws.

What types of RVs can I insure?

With GEICO, you can get RV insurance for a variety of recreational vehicles, trailers, and haulers.

Motorized Recreational Vehicles

• Class A, B, and C Motorhomes
• Camper Vans

Travel Trailers, Campers

• Conventional and 5th Wheel Travel Trailers
• Pop-Up Travel Trailers and Truck Campers
• Airstreams and Teardrop Campers

Toy Haulers

• ATV, Dirt Bike, and Motorcycle Haulers

How does RV insurance work?

RV Insurance is tailored to the unique needs of RV owners.

RV insurance works similarly to other types of auto insurance, but coverages are tailored specifically to the needs of RV owners. Owners pay a premium to an insurance company in exchange for coverage that protects their recreational vehicle from various risks. This coverage typically includes liability protection, which covers bodily injury and property damage to others in case of an accident for which you are liable.

Additionally, RV insurance may include collision coverage to repair or replace your RV in the event of an accident, comprehensive coverage for non-collision incidents such as theft, vandalism, or natural disasters, and optional coverages like roadside assistance and personal property coverage. In the event of a claim, you would typically pay a deductible before the insurance company covers the remaining costs up to the policy's limits.

How much does RV insurance cost?

GEICO offers a variety of discounts you may qualify for to maximize your savings.

RV insurance premiums are influenced by various factors, ranging from state insurance requirements to individual circumstances. Understanding these factors is crucial for striking a balance between securing optimal protection and finding affordable coverage.

Your driving history - including past accidents and traffic violations is taken into consideration by insurers. The condition of your RV also impacts cost; newer, well-maintained vehicles may have lower premiums compared to older models or a history of damages.

Additionally, the type and extent of coverage you select greatly influences RV insurance premiums. Opting for higher liability limits provides added protection but typically results in higher premiums, whereas choosing a higher deductible can lower your insurance costs but may require you to pay more out of pocket in the event of a claim.

Maximize your RV insurance savings with special discounts offered by GEICO (varies by state):

• Good Driver discount
• Commercial driver's license discount
• Military discount
• Defensive driver discount
• Homeowner discount
• Multi-vehicle discount
• Multi-product discount
• Anti-theft discount
• Anti-lock Brake discount (Class A, B, and C)
• Paid-in-full discount

What does RV insurance cover?

From total loss replacement to emergency expenses and roadside assistance, GEICO has you covered.

GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page.

It's important to review your policy carefully, as RV insurance coverages and coverage amounts vary by policy and provider.

Customize your GEICO RV insurance policy to include a variety of coverages

• Total loss replacement
• Exterior body, wheels, and chassis
• Comprehensive & collision
• Personal effects replacement
• Vacation liability
• Emergency expenses
• RV medical payments
• RV Emergency roadside services

Ready to get coverage and start a new journey?

Getting a quote from GEICO is easy and can be done in just a few minutes.

RV Insurance FAQs: Get the answers you need about GEICO RV Insurance.

• How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
• How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
• What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
• Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
• What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection at your campsite. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

Colorado Language Preference

Are you a resident of or looking for insurance in the State of Colorado?

We are temporarily unable to provide services in Spanish for Colorado residents. You will now be directed to an English experience.

Estamos encantados de ofrecer nuestra nueva version del sitio web en Español. Apreciamos su paciencia mientras seguimos mejorando su experiencia.

OUR MUST-HAVE ITEMS FOR RV'ing

Start your adventure.

We’re reader-supported . When you click on our chosen products, we may receive a commission.

Campervan Insurance Essentials: Securing Your Home on Wheels

Updated on December 15, 2023

Bryan Rainey

Reviewed by

Exploring the open road in a campervan is an adventure that offers both freedom and flexibility. With this type of travel , campervan insurance becomes an essential aspect, providing a safety net that allows you to enjoy your journey with peace of mind. Choosing the right campervan insurance policy involves understanding the different types of coverages available as well as the factors that can affect your premiums.

When considering campervan insurance, it’s important to assess your unique needs, which can vary depending on how you plan to use your campervan. Whether you’re embarking on a full-time van life experience or are an occasional holiday goer, there are tailored policies designed to suit different lifestyles. Add-ons like breakdown cover, personal effects cover, and European travel can provide additional protection that’s specific to your circumstances.

Key Takeaways

• Campervan insurance is important for safeguarding your travels and should be customized to your use and requirements.
• Understanding the various coverage options helps in selecting an insurance policy that fits your specific needs.
• Managing your policy effectively includes being aware of potential discounts and knowing how to handle claims.

Understanding Campervan Insurance

Campervan insurance is specialized coverage that protects your vehicle and your travels. It’s tailored to meet the unique needs of the campervan lifestyle.

What Is Campervan Insurance?

Campervan insurance is a type of motor insurance specifically designed for campervans and motorhomes. It’s more comprehensive than standard car insurance because a campervan serves as both a vehicle and a mobile home. Coverage typically includes protection against road accidents, theft, and sometimes the contents within your vehicle.

Types of Campervan Insurance Policies

• Third-Party Only: This is the minimum coverage required by law, covering damages to other vehicles and injury to others in an accident you’re liable for.
• Third-Party, Fire and Theft: In addition to third-party coverage, this policy protects you against fire damage to your campervan and theft.
• Comprehensive Coverage: This offers the most extensive protection, covering third-party liabilities, as well as damages to your own campervan in an accident, vandalism, and often includes additional coverages such as personal belongings and equipment.

Coverage Essentials for Campervan Owners

Your campervan insurance policy should at least cover the following essentials:

• Liability Coverage : Protection against the costs of causing injury to another person or damage to their property.
• Collision Coverage : Covers the cost of repairs to your campervan if it’s damaged in an accident, regardless of who is at fault.
• Uninsured Motorist Coverage : If you’re involved in an accident with a driver who isn’t insured, this can help cover your costs.

Choose your policy carefully to match your specific requirements and travel habits.

Choosing the Right Policy

When selecting campervan insurance, it’s crucial for you to carefully compare providers, assess the required level of coverage, and understand the factors that affect policy costs.

How to Compare Insurance Providers

• Research Options : Explore a variety of insurers such as Good Sam , Progressive , and National General .
• Check Customer Reviews : Look for feedback about customer service and claims processing.

Determining the Appropriate Level of Coverage

• Type of Policy : Assess if you need comprehensive insurance for extensive coverage or if third-party liability insurance suffices for your needs.
• Usage Evaluation : Factor in how often and where you use your campervan; this determines the coverage extent needed.

Policy Cost Factors

• Driving Record : Expect that a clean driving history may lower policy costs.
• Campervan Value and Specifications : The value and features of your campervan will influence the insurance premium. High-value campervans or those with customized features tend to have higher premiums.

Remember to read the policy’s fine print to understand what is and isn’t covered before deciding.

Insurance for Different Campervan Uses

When considering insurance for your campervan , it’s crucial to tailor your policy to how you’ll use your vehicle, whether it’s for full-time living or occasional adventures.

Full-Time Living Insurance Considerations

If you’re planning to live in your campervan full-time, your insurance needs are more complex than those of occasional travelers. Full-time coverage should account for the higher risks associated with continuous use and the fact that your van serves as both transport and home. Ensure proper coverage for possessions inside the van since they’re likely to include valuables essential to your day-to-day living. Companies like Roamly specialize in policies for DIY builds and full-timers.

Occasional Use and Rental Coverage

For campervan owners who hit the road less frequently or rent out their campers, insurance must reflect the reduced risk of less frequent use, and the potential liabilities of renting to others.

Look for policies that allow for adjustments based on seasonal use and consider ‘storage’ options like those provided by Geico , which significantly lower rates when your van is not in use. If you’re renting your campervan, check for rental-specific coverage to protect against damages caused by renters.

Additional Coverage Options

When selecting campervan insurance, you must understand the full range of available coverage options. These offer extra protection and peace of mind while on the road.

Roadside Assistance and Breakdown Cover

If your campervan breaks down, Roadside Assistance and Breakdown Cover can be invaluable. This additional option ensures you’re not stranded, providing services like towing, battery jump-starts, and more. Companies like GEICO offer comprehensive plans to swiftly get you back on the road.

Content and Personal Belonging Protection

Securing Content and Personal Belonging Protection safeguards your possessions within the campervan. This cover can replace or repair items lost due to theft, fire, or damage from personal electronics to clothing. Be sure to document your belongings to ease potential claims processes.

European Cover for Traveling Abroad

For those adventures across borders, European Cover for Traveling Abroad extends your insurance protection throughout Europe. It’s designed to meet the legal requirements of each country, offering continuity of coverage as you travel.

Without it, you could face significant out-of-pocket expenses in foreign jurisdictions. Insurers such as Progressive may offer the option to include European coverage in your policy.

Discounts and Savings

When seeking campervan insurance, you can significantly reduce your premiums by taking advantage of various discounts and savings opportunities offered by insurance providers.

No-Claims Bonus

If you’ve had insurance for a year or more without making a claim, you may be eligible for a No-Claims Bonus . This discount increases with each consecutive claim-free year, rewarding your safe driving habits.

Security Features and Reduced Premiums

Enhancing your campervan with approved security features can lead to lowered insurance premiums . Devices like alarms, immobilizers, and GPS trackers are considered favorable by insurers as they reduce the risk of theft and vandalism.

Membership and Affiliation Discounts

Being a member of specific organizations or clubs can entitle you to exclusive Membership and Affiliation Discounts on your campervan insurance. Be sure to check with your provider if membership in automotive clubs or other associations will unlock additional savings.

Policy Management and Claims

Managing your campervan insurance policy efficiently ensures that you are covered correctly and can navigate the claims process smoothly. Knowing how to make changes to your policy, understanding the claims process, and being aware of how to handle renewals and cancellations are crucial aspects of policy management.

Understanding the Claims Process

If you’re involved in an incident, you need to file a claim with your insurance provider as soon as possible. Contact your insurance agent directly, use the company’s app, or fill out a form on their website. Once submitted, an adjuster will be assigned to your case to evaluate the damages and determine the cost of repairs, taking into account your policy’s coverage.

Making Changes to Your Policy

Life changes, and so might your insurance needs. You can modify your policy at any time, whether it’s to add new coverage options or to remove unnecessary ones. Always verify how these changes might affect your premium.

It’s important to keep your insurance provider informed about any significant alterations to your campervan, such as upgrades or conversions, as they might alter your policy terms or rates.

Renewal and Cancellation Procedures

Your policy comes with a set expiration date , and you’ll typically receive a renewal notice several weeks prior. To renew your policy , simply follow the insurer’s instructions, which might involve a simple confirmation or reviewing any changes in terms. If you wish to cancel your policy , contact your insurer to understand the correct process and any potential fees. Avoid allowing your policy to lapse, as this can lead to increased rates in the future.

Frequently Asked Questions

In this section, you’ll find detailed answers to some of the most common questions about campervan insurance, which will help you make informed decisions for your coverage needs.

What factors determine the cost of insurance for Class B camper vans?

Your Class B camper van’s insurance cost is influenced by factors such as the value of your van, your driving history, and the frequency of use. Storing your RV securely can also impact premiums.

How does RV insurance coverage differ from regular car insurance?

RV insurance typically offers more comprehensive coverage options tailored to the unique risks faced by RV owners, such as personal belongings coverage and full-time residence insurance, which are not commonly found in regular car insurance policies.

What are the key considerations when choosing an insurance provider for a camper van?

When selecting an insurance provider for your camper van, consider their reputation for customer service, claims handling, and the flexibility of their coverage options, which can greatly affect your insurance experience.

Are there specific insurance requirements for camper vans in California?

Camper vans in California must meet certain insurance requirements, including liability coverage. It’s important to check the state’s DMV for the most current requirements or consult with an insurance expert familiar with California’s regulations .

How should one go about insuring a campervan used for commercial purposes?

Insuring a campervan for commercial use generally requires a commercial insurance policy that addresses higher liability risks and covers equipment related to your business. Ensure to disclose the commercial use to your insurance provider to obtain the appropriate coverage.

What coverage options are available for insuring recreational vehicles like camper vans?

Coverage options for camper vans and other recreational vehicles include collision and comprehensive coverage, liability insurance, and additional options like roadside assistance and total loss replacement. Your choice should reflect your specific travel trailer and motorhome usage patterns and needs.

Popular on Ever RV Right Now!

Class B RV Rental: Your Ultimate Guide to Hassle-Free Traveling

How to Get Mail When Living In an RV?

What is a Campervan? Exploring the Van Life and Rental Benefits

Camping vs Glamping: Everything You Need to Know

Disclosure: Our content is reader-supported . This means if you click on some of our links, then we may earn a commission. See how WPBeginner is funded, why it matters, and how you can support us.

About Editorial Staff

We’re passionate about all things RV and camper, and love sharing tips, “how-to”, and reviewing the latest products to help make your camping experience a success!

The Ultimate

Rv newsletter.

Stay informed about the latest news, tips, and trends in the world of RVing. PLUS receive exclusive offers and discounts on RV-related products and services.

Useful RV Guides

When is it too windy to drive an rv, how tall are 5th wheel campers, do trailer tires need to be balanced, what is a weight distribution hitch: essential guide for safe towing, how to prevent your hair from smelling like a bonfire, discovering where to rent an rv for your next adventure.

10130 Mallard Creek Rd, Suite 300 Charlotte, NC 28262 (704) 741-0509

Helpful Links

• Go To Home Page
• RV Guides and Camping
• RV Rental Guide
• About Ever RV

Support Links

• Terms of Service
• Privacy Policy
• FTC Disclosure

Copyright © 2023 Ever RV, All Rights Reserved. | Sitemap

Ever RV c/o EverRV.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.

The Complete Guide to RV Travel Insurance [2023]

Everything you need to know about RV travel insurance.

Published on October 30th, 2023 in Travel Insurance

Imagine planning the ultimate RV road trip with your family, anticipating the freedom of the open road and the excitement of discovering new places. Along the way, an unforeseen incident occurs, leaving you with a damaged RV, mounting costs, and a potentially ruined vacation.

Would you be prepared to handle the financial burden? This is what RV travel insurance is there for.

In this guide, we’ll walk you through the importance of RV travel insurance, its role in protecting your RV, and the coverage it provides for injuries, property damage, and personal losses. We’ll also give you tips on selecting the best policy and ideas on how to supplement RV insurance with travel assistance. So let’s buckle up and drive into the world of RV travel insurance!

RV travel insurance at a glance

• RV travel insurance provides comprehensive coverage and peace of mind for RV trips
• Compare providers, take advantage of discounts and bundle with existing policies to maximize ROI on your RV travel insurance
• Prepare for a safe journey by assembling a safety kit, packing essentials and planning an itinerary

What is RV travel insurance?

RV travel insurance, or RV insurance, protects your motorhome, travel trailer, or camper during your RV trip, serving as a financial safety net for unexpected events. With RV insurance, you’re covered against liabilities for injuries or property damage that may occur while you’re on the road, so long as they’re in your policy. Moreover, your own injuries or property damage from an accident can sometimes be covered by RV insurance, depending on your policy.

RV insurance is different from travel insurance and typically is defined by a separate policy. You can learn more about travel insurance in this blog post .

Note : Like most types of insurance, generally you submit a claim for reimbursement after you’ve paid the costs out of pocket. If you’re looking for help in the moment of your troubles with your RV, you might want to look into travel assistance .

Types of RV travel insurance

When it comes to RV travel insurance, there are two primary types of coverage: full-time and part-time.

Full-time RV insurance is designed for individuals who live in their RV as a primary residence, providing comprehensive coverage with additional options tailored to their unique needs.

Part-time RV insurance, on the other hand, offers basic liability coverage, meeting the minimum requirements of your state, while still providing protection during your occasional RV trips.

Providers offer several optional coverages such as:

• Vacation liability
• Total loss replacement
• Emergency expense coverage
• Replacement cost personal effects

Understanding your specific requirements and exploring these options can help you create a policy that meets your needs within your budget.

Benefits of RV travel insurance

One of the main benefits of RV travel insurance is the financial protection it provides in case of accidents, theft, or other unforeseen circumstances. In addition, RV travel insurance can offer peace of mind, knowing that you could be covered for unexpected events during your trip such as pet injury coverage (depending on your policy).

Understanding the available coverage options and obtaining a suitable quote are vital steps to fully benefit from RV travel insurance. With the right policy in place, you can focus on enjoying your RV adventure without worrying about financial setbacks.

Choosing the right RV travel insurance policy

Selecting the right RV travel insurance policy involves evaluating coverage options, assessing your needs, and comparing costs and value. This process ensures that you receive the best possible protection for your specific RV usage and travel frequency.

Investing time in researching policies and providers can help you make an informed decision and choose the coverage that best suits your unique needs.

Here are some tips on selecting the best RV insurance policy for your travel needs, while considering various RV insurance policies available in the market, and ensuring you choose the right RV insurance policy for your specific requirements.

Assessing your needs

To determine the appropriate level of coverage, consider your RV usage, travel frequency, and any specific requirements you may have. Are you a full-time RVer who needs comprehensive coverage, or a part-time RVer who requires basic liability coverage? Understanding your individual needs is crucial in choosing the right policy.

After identifying your requirements, you can start exploring various coverage options and get a quote for the desired insurance coverage. This will help you compare policies and providers to find the best fit for your needs.

Comparing coverage options

When evaluating coverage options, it’s important to consider factors such as total loss replacement, actual cash value, and emergency expenses. Each option provides unique benefits and can be advantageous depending on your specific needs and preferences.

To make an informed decision, compare coverage options, evaluate your needs, and assess the cost and value of each policy. This will help you choose the most suitable policy for your individual requirements and ensure you’re adequately protected during your RV journey.

Evaluating cost and value

The cost of RV travel insurance varies based on factors such as the type of RV, location, and usage. To evaluate the cost and value of a policy, obtain an RV insurance quote and consider how it compares to other providers and your existing insurance policies.

In addition to comparing quotes, you can also consult an independent insurance agent who can help you navigate the process and direct you to companies offering competitive rates and policy features. By taking the time to evaluate cost and value, you can ensure that you’re investing in the right coverage for your needs.

Top RV travel insurance providers of 2023

As the popularity of RV travel continues to grow, numerous RV insurance companies have emerged to offer coverage tailored to the unique needs of RV owners. In 2023, some of the best RV insurance companies include:

• Good Sam Insurance Agency
• RVInsurance.com
• Progressive

Each company offers a range of coverage options and has earned a reputation for providing excellent service and customer satisfaction.

This section will delve into these leading providers, compare their offerings, and assist you in choosing the best RV travel insurance policy for your needs.

Company profiles

Each of the top RV travel insurance providers offers unique coverage options and benefits, catering to a diverse range of RV owners. Good Sam Insurance Agency, for example, provides coverage for a variety of RV types, including Class A, B, and C motorhomes, conventional travel trailers, and fifth-wheel travel trailers.

Progressive, on the other hand, offers a wide range of discounts for RV coverage, ensuring affordability for a variety of budgets.

While these providers all offer comprehensive coverage, it’s essential to compare their offerings based on your individual needs and preferences. Understanding the coverage options and benefits each company offers can aid in making an informed decision and securing the most suitable RV travel insurance policy for your needs.

Comparing providers

When evaluating RV travel insurance providers, it’s important to consider factors such as:

• Availability
• Ease of use
• Customer satisfaction

By comparing these aspects, you can identify the provider that offers the best combination of protection and value for your specific needs.

In addition to comparing coverage options, be sure to research the provider’s reputation and customer reviews from independent sources such as the Better Business Bureau and Consumer Reports. This will give you a comprehensive understanding of the provider’s strengths and weaknesses, helping you make the best decision for your RV travel insurance needs.

4 Tips for Maximizing ROI on RV Travel Insurance

Implementing these tips can help you get the best value for your RV travel insurance and provide the protection you need without straining your finances.

1. Combine with travel assistance for extra protection

One effective strategy for maximizing the value of your RV travel insurance is to combine it with travel assistance services . These services provide supplementary support and security during your journey, such as emergency evacuation services, medical assistance, and transportation home for your family and even your RV.

By combining RV travel insurance with travel assistance services, you can enjoy enhanced RV coverage and peace of mind during your trip. This ensures that you’re fully prepared for any unexpected situations that may arise, allowing you to focus on enjoying your RV adventure.

2. Bundle with existing insurance policies

Another way to maximize the value of your RV travel insurance is to bundle it with your existing insurance policies, such as auto or home insurance. Bundling your policies can lead to potential discounts and streamlined coverage, making it easier to manage your insurance needs.

In addition to potential cost savings, bundling your policies can also simplify the claims process, as you’ll be dealing with a single provider for all your insurance coverage. This can save you time and effort in the event of a claim, ensuring a smoother experience overall.

3. Shop around and compare quotes

Don’t hesitate to request quotes from several providers and take the time to thoroughly review each policy’s features and benefits. This will help you make an informed decision and secure the best RV travel insurance coverage for your needs.

4. Take advantage of discounts

Many RV travel insurance providers offer discounts and incentives to help reduce the cost of coverage. Some common discounts include multi-policy discounts, safe driver discounts, and loyalty discounts for long-term customers.

To take advantage of these discounts, be sure to ask your insurance provider about any available promotions or incentives when obtaining a quote. By doing so, you can potentially lower your RV travel insurance costs without sacrificing the quality of your coverage.

In conclusion, RV travel insurance is an essential component of any RV adventure, providing financial protection and peace of mind in the face of unexpected events. By understanding the different types of coverage available, assessing your needs, and comparing providers, you can secure the best RV travel insurance policy for your unique requirements.

With your RV travel insurance in place and a well-prepared itinerary, you’re ready to hit the open road and embark on an unforgettable journey. Happy travels!

RV Travel Insurance FAQs

How much does RV travel insurance cost?

RV travel insurance costs range from $200 to $3,000 per year, depending on the type of RV, location, and usage.

Is it a good idea to get RV insurance?

Having RV insurance is a must, as it not only provides financial responsibility for any potential losses caused in an accident, but also covers expensive emergency expenses and roadside assistance. Protecting your investment with the right policy is essential for enjoying the RV lifestyle.

What type of insurance do I need for my RV?

If you drive your RV, you’ll need liability insurance to meet the state’s minimums for auto insurance coverage. Alternatively, if you tow your RV, the towing vehicle’s policy may provide liability coverage. RV insurance policies typically provide liability protection for motorhomes, so it’s important to check with your provider for the best coverage option.

A Knowledgeable Traveler is a Happy Traveler

Our mission is to empower you on your adventures. Sign up today for our free monthly newsletter.

Related resources

Everything You Need to Know About Travel Insurance With Pre-Existing Conditions

Travel Insurance

Don’t let a pre-existing condition affect your ability to protect yourself on your next trip.

Secure Your Trip: A Complete Guide to Baggage Insurance

Everyone knows baggage insurance provides coverage for lost, stolen or delayed luggage—here’s everything else you need to know.

Life-Changing Travel Assistance

If a medical emergency occurs while you’re traveling—either domestically or abroad—you want to know that you and your loved ones are well-protected. Emergency Assistance Plus not only offers that protection but the peace of mind to explore the world with confidence.

Subscribe to Newsletter

" * " indicates required fields

By subscribing, you give us permission to send you valuable content, expert advice, and exclusive EA+ offers. We will not sell or distribute your email address to any third party at any time. View our privacy policy .

RV insurance for the open road

Members save 5% on coverage for most RVs through our alliance with Progressive.‍ ‍ See note 1

What's RV insurance?

RV insurance is a lot like car insurance. Most states require a minimum amount of liability protection for motorhomes. For campers and travel trailers that you're pulling behind a car, liability extends from the auto policy of the towing vehicle.

If you're financing the RV, some lenders may require you to have comprehensive and collision coverage.

Whether your RV is your primary residence or just for recreational use, you can customize a policy to fit your needs.

Insurance for travel trailers

If you get comprehensive or collision coverage, you also get vacation liability coverage with travel trailer insurance. This helps protect you if your property’s damaged or if someone gets hurt in or around your trailer.

If your trailer is less than one year old, consider adding total loss protection. You can also add personal effects coverage to help protect the stuff you keep inside your travel trailer.

Ways to cover your motorhome

RV insurance may cover damages and injuries if you cause an accident. You may also be able to add coverage to pay medical, hotel, transportation and windshield repair costs.

Plus, get up to $99,000 in coverage for personal property in your motorhome. We cover luxurious Class A models, Class B campervans and Class C mini-motorhomes.

Insuring a pop-up camper

On top of comprehensive, collision and vacation liability coverage, you can also insure personal property inside your camper.

Add total loss replacement to campers less than one year old to replace your pop-up with the same model or later if it’s totaled.

Coverage for slide-on campers

We offer standard coverage options like comprehensive, collision and vacation liability. You can also get total loss replacement coverage and personal property insurance.

Because you load these types of RVs onto the bed of a truck, we also provide roadside assistance for your slide-on camper and the vehicle towing it.

Insurance for fifth-wheel trailers

You can get comprehensive, collision, roadside assistance and vacation liability coverage.

If your fifth wheel is less than six-years old, consider adding Roof Protection Plus®. This helps repair or replace your roof if it malfunctions from wear and tear, or it damages other parts of your fifth-wheel trailer.

Why get a policy through the USAA Insurance Agency?

Our agency has long-standing relationships with many insurance providers. We monitor those alliances to make sure they meet our standards of customer service and financial stability.

We've worked closely with Progressive for more than 30 years. You can get help from specially trained representatives who'll serve you at the level you expect by calling 800-809-1925 .

How much is RV insurance?

You could pay less than $125 a year to insure a pop-up camper. Or choose a higher yearly payment to cover more expensive motorhomes.‍ ‍ See note 2

How to save on your premium

USAA members get a 5% discount on coverage for most RVs.‍ ‍ See note 1 Here are some other ways to lower your cost.‍ ‍ See note 3

Responsible Driver Discount

If none of the drivers on your policy have accidents or tickets for three years, you could save on your policy.

Paid In Full Discount

In some states, you can get a discount when you pay your 12-month premium all at once.

EFT Discount

Save when you set up automatic payments from your bank account, also known as electronic funds transfers, or EFT.

RV insurance FAQ

Comprehensive coverage can help pay for water damage repairs resulting from weather-related incidents.

Recreational coverage can help protect your RV inside and out while on the road or at a campsite. You may want to consider it if you use your RV part time.

Full-timer's offers broader coverage to help protect those who live in their RV most of the year. It includes personal liability, medical payments and storage shed coverage. It also has loss assessment coverage, which can cover RV association fees to help pay for damages to shared areas.

Both options let you add vacation liability protection. This helps cover bodily injury and property damage costs while you're on vacation in your RV.

It may provide liability coverage for travel trailers and campers, as long as your vehicle is towing them.

Your auto insurance usually won't pay to repair or replace your RV.

It depends. If you're renting an RV, your cost and coverage will depend on the rental location and the type of RV.

It usually won't cover:

• RVs with more than four wheels.
• Drivers not listed on your policy.
• Rentals longer than 30 days.
• The full value of the RV.
• Certain damage to the RV while it's parked.

Explore new places with RV insurance.

Have more questions.

Use our alliance with Progressive to help you get the coverage that fits your needs.

Call Progressive.

Is RV Travel Insurance Worth the Money?

Sharing is caring!

Thanks for your support! If you make a purchase using our links in this article, we may make a commission. And, as an Amazon Associate, I earn from qualifying purchases. See the full disclosure here .

Insurance companies created travel insurance years ago. Then, as the RV Boom ramped up in concert with the COVID-19 Pandemic, insurance providers realized RVers needed an RV travel insurance product to cover vacation losses due to unforeseen circumstances.

In this discussion, we show you how RV travel insurance works, how it’s different than existing RV insurance coverage, and when it’s a good idea to apply for it.

You’ll find that it’s more affordable than you think and can help you recover financial losses from weekend getaways to that lifetime trip.

What is RV Travel Insurance?

RV travel insurance is a policy that covers the expenses of a specific trip you’ve planned ahead of time or if your trip is cut short due to significant events. You can receive up to 100% of all pre-paid expenses like campground costs, planned event tickets, and other covered expenses if you have RV trip scenarios like:

• Trip cancellation for any reason
• Trip interruption for work or other reasons
• Travel delay
• Emergency medical reasons
• Emergency  medical evacuation

Insurance carriers created RV travel insurance from hotel/cruise traditional trip policies. Insurance companies saw how RVers suffered from significant losses when their vacation plans didn’t work out and found a way to help cover that loss.

In “insurance-speak,” cancellation means you can’t go on the trip at any point. Interruption refers to cutting the RV trip short due to unforeseen medical, work-related, or other issues. Travel delay occurs when you have to leave for your trip later than expected. 

Is RV Travel Insurance a Good Idea?

RV travel insurance is a good idea for virtually any RV trip. You can expect to reserve a campsite for 1-2 years from now at the most popular RV destination campgrounds. No one knows what can happen that far in advance. That’s where RV travel insurance comes in.

You could have the campground, attraction tickets, and other expenses prepaid between now and then. Then about a month before your trip, something unexpected could happen; something positive like the birth of a new baby or something negative like a job loss. 

Since you were wise enough to purchase that RV travel insurance policy for under a few hundred dollars, you contact the insurance company to start the claim. Their representative walks you through the process, who to contact, how to fill out the forms, and everything else. 

RV trip insurance works for individual vacations. Of course, you could buy a policy for every RV vacation trip you take, but only you can decide if it’s worth the expense. RV travel insurance aims to recoup the financial losses you’ve incurred before the trip due to cancellation, interruption, or delay. 

How is RV Emergency Expense Coverage Different From RV Travel Insurance?

Most RV insurance policies come with Emergency Expense Coverage. If you’re in an accident while traveling, this feature gives you money for hotels and transportation to get back home while your RV gets repaired. 

In this scenario, your primary RV insurance carrier covers you since you were in an accident. They’ll cover the cost of repairing your RV and give you money to rent a car and drive home. Of course, if someone were injured, they’d cover that as well. 

Hopefully, the injury isn’t too serious, and you can recover your clothes and other personal items.

Your primary RV insurance carrier won’t cover your prepaid vacation expenses like the campsite or attraction tickets. It’s like asking your homeowner’s insurance company to cover your cruise or hotel vacation.

This is where RV travel insurance comes in handy. Once you know you and everyone in your family are okay, you’d contact the RV trip insurance carrier and start the process to recover those losses. 

How is RV Travel Insurance Different Than Other Policies?

We showed you how Emergency Expense Coverage is different than RV travel insurance. To better understand how RV trip insurance works, we’ll show you how this insurance coverage differs from other RV policies.

1. Factory Warranties

RV manufacturers offer factory warranties on their motorhomes and travel trailers. These policies focus on components that break or don’t work correctly due to an installation or stress issue. The RV company repairs or replaces the part at no cost to the owner.

2. Extended Warranties

RV Extended Warranties are great for coaches no longer covered by factory warranties. However, 80% of all RVs will need some type of significant repair by their fifth year due to general wear and tear. An RV extended warranty covers big-ticket items like motorhome automotive problems and slide-out motor replacements.

3. RV Insurance

Every RVer must have a primary RV insurance policy. It’s like a homeowner’s and auto policy wrapped into one. Like all primary insurance coverage, RV insurance covers damage, liability, and medical due to accidents or injuries. Whether traveling on the road or at a campsite, this coverage protects you and your RV but not any trip-related costs.

4. RV Renter’s Insurance

Also known as Third-Party liability, RV renters insurance covers those who rent your RV and their property. As the coach’s owner, your primary RV insurance should cover you and the damage to your rig. 

Renters need to protect themselves, their families, and their property in case of an accident. Therefore, renters can also purchase RV travel insurance for trip-related costs.

5. Road Trip Insurance/ Driveway to Driveway Coverage

If you’re taking a road trip in your passenger vehicle, there are road trip insurance policies (A.K.A. Driveway to Driveway Coverage) that act like a travel insurance policy. This policy covers travel expenses like hotels, food, and other essentials while traveling from one destination to the other.

Road trip insurance policies are similar to traditional and RV travel insurance products for covering travel costs like hotels and other essentials. Yet motorhomes and travel trailers aren’t eligible for this coverage since an RV has different needs than a car, SUV, truck, or passenger van.

RVBlogger Tip for Camper Vans: We don’t recommend Van Lifers trying to apply for road trip insurance for their van conversion. Road trip insurance covers the expenses while traveling from one place to another but doesn’t cover vehicles with living spaces. 

If something were to happen, the insurance company wouldn’t cover your camper van components. Also, the insurance company would void the policy since your camper van is an RV, not a passenger van.

6. RV Membership Club Assistance Programs

Some RV Clubs offer RV travel insurance benefits. For example, the Family Motor Coach Association (FMCA) FMCAssist program is a medical evacuation and repatriation coverage provided to its members domestically and internationally. 

RV travel insurance usually offers this benefit. When researching RV trip insurance, if you belong to an RV discount club with travel insurance benefits, read up on how their program works. That way, you can determine which one offers the best advantage for you. 

7. Traditional Travel Insurance

Traditional travel insurance has been around for decades. People have used this coverage for flight and hotel or cruise vacations. Before 2020, insurance companies recognized the high costs involved with these types of trips. Travel agents even worked with insurance companies creating special packages that included discounted insurance prices.

As mainstream America jumped back into the RV lifestyle, some insurance companies realized that there was an underserved vacation market. From their standpoint, RV vacations were generally less expensive, but some carriers designed RV travel insurance products that benefited them and their customers.

What Does RV Travel Insurance Cost?

RV travel insurance costs are affordable. People buy these policies once for specific vacations. Online RV travel insurance free quote finders will ask you for the following information:

• Destination Country
• Departure Date
• Return Date
• Number of Travelers
• Traveler Ages
• Country Citizenship
• State Residency
• Total Cost of Trip to Insure
• Initial Trip Payments Already Made (Deposits)
• Email Address

Based on this information, you’ll receive initial quotes that could average between $100-$200 a week. These initial quotes can change due to several reasons. As you go through the enrollment process, make sure you read everything and understand everything about the policy. 

Like any insurance policy, you want to know how you’re covered and what’s not covered. Ensure you know the various deadlines and the coverage differences between cancellation, interruption, and delay circumstances. In other words, don’t make assumptions: the more you know about your policy, the better experience you’ll have if you need to use it. 

Final Thoughts on RV Travel Insurance

The costs of an RV vacation have increased dramatically during the Remote Period’s RV Boom. Most of the new campgrounds have high overnight fees.

In addition, amusement parks, tourist attractions, and even U.S. National Parks have raised their prices significantly. Those costs can melt a credit card even before you’ve lifted your RV jacks.

Before RV travel insurance, if some type of life event occurred that ruined an RV trip, people might have been able to recoup some of those costs, but it was usually low.

Now that RV trip insurance is available, the financial impact of a lost RV vacation isn’t too impactful. Once that check comes from the insurance company, you could use it for an even better RV trip.

RELATED READING :

1. the wrong rv rental insurance leaves you exposed, 2. does insurance cover rv windshield replacement, 3. how much does rv insurance cost, 4. cheapest states to buy and register an rv, 5. how to check for rv and travel trailer recalls, about the author, brian newman – author and full time rver.

Although he’s from Motown, Brian Newman is a legacy RVer that grew up on I-75. He, and his wife have enjoyed the full-time RV lifestyle since 2017.

Like John Madden, he hasn’t “worked” in years because he gets to write about his passion. When he’s not working, he supports his daughter’s dog rescue efforts and disability causes.

2 thoughts on “Is RV Travel Insurance Worth the Money?”

The thing is that things happen that you don’t expect on the road and having the insurance to cover major issues is important. I know it has saved me.

Thanks for sharing Jason!

Leave a Comment Cancel reply

Save my name, email, and website in this browser for the next time I comment.

• Agent Directory
• Company Directory

Find an Independent Agent

• Get Matched with an Agent
• Agent Directory by State

Find an Insurance Company

• Get Matched with a Company
• Company Directory by State

What type of insurance do you need?

• Business Insurance
• Home, Auto & Personal Insurance
• Life & Annuities

By Coverage Type

• Commercial Auto Insurance
• Professional Liability Insurance
• Small Business Insurance
• Business Umbrella Insurance
• Workers' Compensation Insurance
• Commercial Property Insurance
• Business Owners Policy
• Builders Risk Insurance
• Cyber Liability Insurance
• Surety Business Bonds
• Inland Marine Insurance
• Employers Liability Insurance
• Employment Practices Liability Insurance
• Environmental Liability Insurance
• Errors and Omissions Insurance
• Insurance Coverage & Advice by State  
• See more ...

By Business Type

• Retail Store
• Agriculture & Forestry
• Construction
• Manufacturing
• Wholesale Trade
• Retail Trade
• Transportation & Warehousing
• Information Industry
• Finance & Insurance
• Real Estate
• Scientific & Technical Services

Auto & Vehicle Insurance

• Car Insurance
• Motorcycle Insurance
• Boat Insurance
• RV / Motorhome Insurance
• ATV Insurance
• Snowmobile Insurance
• Personal Watercraft Insurance
• Collectible Auto Insurance
• Umbrella Insurance

Home & Property Insurance

• Homeowners Insurance
• Condo Insurance
• Farm Insurance
• Landlord Insurance
• Renters Insurance
• Mobile Home Insurance
• Contents Insurance
• Vacant Land Insurance
• Flood Insurance

Other Insurance

• Life Insurance
• Long Term Care Insurance
• Disability Insurance
• Health Insurance
• Special Event Insurance
• Short-term / Sharing Insurance

Insurance Solutions & Resources

• Compare Car Insurance
• Compare Home Insurance

We'll Help You Find the Best RV Insurance in Minutes

Our nationwide network of local independent agents are here to help you find better coverage at the best rate..

TrustedChoice.com Article

How will this quote help me?

Your quote is based on several common factors to give you a clear picture of the cost you can expect, though an independent agent can shop around and maybe even improve your rate!

NOTE:  This quote is not final, though we did work with professional actuaries to help get you a ballpark figure to get started.

What is RV insurance?

Simply put, it's protection from being stuck with massive out of pocket costs after certain unexpected, and covered, circumstances like road accidents, theft, and natural disasters. 

There are a number of different types of RVs, including motorhomes and campers, with different coverage needs and laws for each. To find the right insurance protection, contact an  independent insurance agent  in our network. A local agent can help you compare several different RV insurance quotes and find the right coverage for your needs.

What does RV insurance cover?

RV insurance covers many of the similar risks that your standard auto insurance does, like collision, comprehensive, and liability coverage. However, since RVs are also used as a residence-on-the-road, you can get additional protection for your personal belongings on board, equipment, and even attached accessories like awnings and satellite dishes. 

When you work with an independent insurance agent, they can help you identify your own unique needs and get the coverage that's best for you. 

How does RV insurance work?

RV insurance protects you from excessive out of pocket costs in the event of a loss, bodily injury, property damage or even provide compensation for a roadside breakdown.

As an example of how RV insurance works, consider a few examples of accidents or trouble you could encounter with your motorhome on a vacation. Your RV insurance would potentially cover you in the following ways:

• If you have uninsured/underinsured motorists coverage and another driver collides with you but is not insured, your insurance company will pay for your damages. The amount of compensation you receive depends on the damage, your deductible amount, and your policy limits.
• If you're at fault for an accident, the other driver will file a claim with your insurance company. Your insurer will pay the claim up to the limits of your liability policy. You will pay the costs of any damages, injuries, legal fees, or judgments out of pocket beyond the limits set on your policy.
• If your RV is disabled after a crash and has to be towed, your insurance will cover some or all of the costs of towing.
• If your RV is stolen, or is damaged due to a hail storm or animal, your comprehensive insurance would provide coverage for your losses, after your deductible and up to the limits you’ve selected in your policy.

How much does RV insurance cost?

The  cost of RV insurance  varies based on several key factors, including the specific RV Class, time spent on the road, and your driving history as well. Beyond that, the coverage chosen will also play a large role in deciding the cost, including the policy options and limits you choose. NOTE: a high deductible will cost less than one that's low. You can also include additional riders in your coverage for personal belongings, towing and roadside assistance coverage, etc. The more you add, though, the more you'll pay.

For reference, however, a Class A RV may cost around $2,000 dollar a year or more to insure, while a Class B may fall somewhere in between $1,000 to $2,000 dollars.

Is RV insurance mandatory?

Like car insurance, RV insurance is required in every state. All states require a  minimum amount of liability insurance ; on top of that, some require uninsured and underinsured motorists coverage, as well. 

Collision and comprehensive insurance limits are determined by you, the policyholder. But before you go setting your coverage limits too low to minimize your premiums, consider how you'll cover the costs of being in an accident without enough coverage.

Under the following circumstances, you will experience additional requirements:

• If you rent an RV
• If you live in your RV full time, you'll need full-timers insurance which has some similarities to homeowners insurance
• If you finance your RV, your lender will most likely require you to buy RV coverage before you can be approved

How much RV insurance do I need?

The RV insurance coverage you need depends on several factors, like:

• State requirements
• Motorhome Class
• Travel plans and location
• Part-time or full-time use
• Motorhome features and amenities
• Your budget

For help determining how much RV insurance you'll need, contact an independent agent who can help you learn about the requirements in your state and the specific risks you may face.

Does my car insurance cover RV rentals?

Typically, yes, your existing car insurance coverage will extend on some level to an RV rental. Depending on your policy, though, it may only cover driving-related accidents like rear-ending another vehicle or running into a mailbox. In some instances, your full auto policy will extend to an RV rental including your liability, collision, and comprehensive coverage if you have it. 

Before you hit the road, though, you may want to learn more about how your car insurance covers a vacation rental here, or speak to your independent agent to find out if you need additional protection in any way.

Where can I get the best RV insurance?

RV insurance is very common and available from nearly every large insurer out there. A simple Internet search will help you find more than a handful of respected options. However, when you choose an independent agent on TrustedChoice.com, you get the best of everything. You get one local agent who can shop multiple carriers, not just one, to find RV insurance quotes that are the perfect blend of coverage and cost. They represent some of the best companies and insurance products in the market and know how to help protect your recreational life on the road. 

Why should I work with an independent agent?

With access to multiple insurance companies, independent insurance agents are unlike any other type of agent out there. They’ll help find you the best coverage options and most competitive prices, all for free. 

RV INSURANCE

Find the perfect agent to shop multiple insurance companies on your behalf, saving you time and money.

There's been a pretty big shift in the RV (or recreational vehicle) world in the past few years. On top of the large number of bucket-list-conquering retirees, more and more Gen-Xers and Millennials have begun exploring the country via RVs, motorhomes, and more.

And who can blame them? After all, with an RV, you get all the joys of the open road with the comforts of staying right on your couch. How perfect is that? 

But every new adventure requires the right protection to keep it rolling—that's where RV insurance enters the picture. A local  independent insurance agent  will help you shop multiple carriers to deliver a range of insurance options to meet your needs, from coverage to cost. Together, you and your agent will decide which is the right choice, and you'll be ready to go. Easy as that. But first, here are a few things about RV insurance you'll definitely want to know.

Types of RVs and Motorhomes

Before you can find out what type of insurance you need, you need to know how your vehicle is classified, for example:

• Class A motorhome :  these are the largest RVs on the road—pretty much a home on wheels
• Class B motorhome :  smaller-sized RVs, a Class B is more like a nice-sized van with amenities
• Class C motorhome :  mid-sized models, these are also sometimes called mini-motorhomes
• Bus conversion : a unique creation, this is a bus that's been converted into an RV
• Travel trailers :  towable motorhomes, these are typically attached by a trailer hitch
• Fifth wheels :  towable motorhomes, these are attached to a truck with a fifth-wheel hitch
• Truck campers :  Add-on campers attached to a truck bed

When you talk to your agent, you'll start here. Once you've discussed your plans and needs, you can move on to the coverages you need.

Why Do I Need RV Insurance?

An RV is a unique combo. Part home and part vehicle, it allows owners to enjoy the comforts and luxury of a home, with the mobility of a vehicle.  And despite being on wheels, it still includes homey comforts like a bed, dishes, a TV, and even a fridge. That means your policy coverage needs to be a bit more extensive, to reflect the protection you need. 

Now, you most likely financed your RV through a bank. And more often than not, the lender will require insurance for your RV in order to finalize the deal and protect their investment in you. So in this case, it is mandatory.

Beyond that, most US states require a liability policy at an absolute minimum to cover any property damage, medical costs, or legal fees that come along with an accident. 

Several states go even further, requiring  uninsured/underinsured motorist coverage  in case you're hit by another driver who doesn’t have insurance, or doesn't have enough to pay for the damage. 

Just now, required or not, proper coverage is always recommended. After all, you never know what type of incidents you'll encounter out on the road. And without the right protection in place, you'll be paying it all out of pocket.

What Does RV Insurance Cover?

Your RV insurance policy can cover a number of situations. In most cases, your coverage limits are typically up to you, with the exception of areas that have already put legal minimums in place. 

It’s important to take the time to go over how you plan to use your RV with an independent insurance agent so they can help make sure you have the coverage you need.

For convenience, some RV owners just add coverage to their personal auto policy (PAP). But beware, this can leave a significant number of coverage gaps in your personal property and liability. It’s recommended you have a higher limit on your coverage that's more inclusive of the specific incidents that occur with RVs.

One big factor in deciding the type of coverage you need is how you plan on using it. If you only use your RV occasionally for seasonal trips or as a permanent residence without moving it, you probably don't need a lot of protection. 

But if you're constantly traveling the roads, you'll need specialized coverage called full-timers coverage (See below.) 

Now that we have that established, let’s start with some standard coverage options available:

• Liability insurance :  Covers the costs associated with any injuries or property damage you're responsible for due to an accident.
• Collision :  Covers the costs to repair or replace your damaged or destroyed vehicle after an accident.
• Comprehensive :  Formally known as "other than collision," this portion of your policy covers damage to your vehicle from things like theft and weather damage.
• Personal injury protection/medical payments :  Pays medical bills and other expenses whether you’re at fault or not
• Uninsured/underinsured motorists :  Protects you financially if the other driver doesn’t have any car insurance or not enough to pay for all expenses.

Additional coverage options worth considering include:

• Total loss replacement:  Pays to replace your RV in the event of a total loss. This is usually only available for brand-new RVs that have never had a previous owner. 
• Physical damage coverage:  Covers physical damage or theft.
• Pet injury coverage:  Covers vet fees for an injury to an animal or replacement costs for death.
• Towing and roadside assistance:  Covers the cost to help fix problems or tow your vehicle to a repair shop.
• Attached accessories:  Coverage to repair or replace things like antennas and awnings.
• Personal effects coverage:  Covers personal property like dishes and sporting equipment.
• Vacation liability:  Covers the cost of bodily injury or property damage that occurs when the RV is being used as a temporary residence.

For full-timers, though, coverage options will typically require higher liability limits, closer to those of a homeowners policy.

Extend Your Coverage with Add-on RV Endorsements

Policies can carry a number of different coverages, which can typically be added through an endorsement. An insurance endorsement is an addition to your insurance contract that provides unique coverage not listed in your original policy and can include:

• Emergency expense
• Rental reimbursement
• Miscellaneous vehicles
• Loan/Lease payoff
• Coverage suspension

Understanding Bus Conversion Coverage

If you've got big dreams of converting an old bus into a new home on the road, it's important to know in advance that finding coverage can be difficult for a number of reasons, like:

• Some companies will accept only commercial buses, but will not offer insurance for a school bus.
• Some insurers only cover professional conversion jobs, not if you did the modifications yourself.
• The age, make, and model are important. Some carriers will not insure buses over 20 years old.
• The motor type, transmission, and condition are also factors.
• In many instances, an appraisal is required before they will consider providing insurance.

Insurance coverage will vary from company to company, and so will their requirements. Make sure you consult with an agent to determine if your bus conversion qualifies for coverage, or if there are adjustments you may need to make in order to be approved.

Your agent can also talk with you about whether it is possible to combine your bus conversion insurance with other policies in order to get  discounts  and savings.

Ins and Outs of Travel Trailer Coverage

Maybe a big RV or converted bus isn't your style and you'd rather tow behind a travel trailer instead. That can be just as enjoyable, as they can come in a variety of different models and can be equipped with everything from basic accommodations to elaborate living quarters with a small sleeping area, a kitchen, and even a bathroom. 

As for protecting your travel trailer, in some cases, your  auto insurance policy  will, or can, cover you, but it depends on both the trailer and the insurance carrier. Many auto policies provide some limited coverage or may completely exclude a travel trailer. Some insurance companies require that you add provisions to your existing auto coverage to include a travel trailer.

By purchasing separate conventional trailer insurance, you can rest assured you'll be protected from liability lawsuits and other mishaps. Additionally, this form of insurance will also cover your contents and provide coverage in case you have a  mechanical breakdown .

Even if your insurance company does extend your auto coverage to a conventional trailer, it's still a good idea to review the benefits of a separate policy. An independent agent is a great place to start to  compare policy rates  and options of multiple companies that carry travel trailer insurance.

How Much Does RV Insurance Cost?

Because no two RVs and their drivers are the same, no two policies are the same. Which means it's impossible to say exactly what your RV insurance will cost. 

But basically, your RV or motorhome insurance premiums will depend on the type of coverage you choose, your state’s requirements, and a few other key factors, like: 

• Where you travel:  A full-timer will need different coverage than a recreational motorist. How far you travel and where also matters, since areas with more risk will need additional protections.
• What you ride:  The type of motorhome you're driving will make a big difference, too. A truck camper or travel trailer doesn’t have the same luxe amenities as a Class A motorhome, so it’s usually cheaper to repair or replace after an accident.
• How you ride:  Your driving history is important. It tells an insurance company whether you're a risk-taker or a more cautious driver. If your driving record is full of traffic tickets and accidents, you’ll be considered higher-risk and typically pay higher premiums.

Get Lower Rates When You Bundle Your RV Insurance

Unless you live completely out of your RV, you'll most likely already have multiple insurance policies—car, home, or maybe even a boat.  If you take those existing policies and bundle them with your RV policy, you should get a nice little discount. Your carrier appreciates you investing all your business in one place, and they reward you with a great little discount.

When you work with an independent insurance agent, they can help you find the perfect carrier to provide the right coverage for your home and all your outdoor toys, simplify your insurance payments, and make filing claims easy and efficient. And who couldn't use a little more efficiency in their lives?Your independent insurance agent has your answers

Your Independent Insurance Agent Has Your Answers

Whatever you need, your agent has your back. With a brief intro into the terms, discounts, and process of your RV insurance, you know the kinds of questions to be asking. Your agent will ask you all about your RV, its use and your goals and help find the perfect blend of coverage at the right cost for you.

Best RV & Motorhome Insurance Companies

More Choices

Our independent insurance agents work for you, not the insurance companies. That means you always get the best coverage options to choose from.

Better Prices

When you have options from multiple companies, it's easier to find the best coverage at the right price, at no extra cost to you.

Local Services

There's an independent agent in every city who always understands the insurance coverage you need most based on local laws and needs that apply to you.

What our customers are saying

Work Done For Me

I looked at different individual companies, but it was so time-consuming to fill out each individual application and keep track of them all. Trusted Choice got back to me quickly and gave me an option that worked. I ended up with Travelers, which has a great price. The online process was pretty easy. Plus, they did the legwork for me. It was a great experience.

Multiple Options

I tried finding insurance myself but I wasn't coming up with very much. I contacted Trusted Choice and they looked at various options and presented it to me. Everything with the agent went very smoothly... He knew exactly what we wanted and searched accordingly. I was able to choose the one that I thought was best so it worked out for me. I'm happy that I did it that way.

I needed insurance for the home that I was buying and based on the pricing, I went with Trusted Choice. The process was all done online and I didn't really have to do too much. The website was also easy to use and navigate and it was not overly intimidating. Everybody that I've dealt with also seemed good and professional. It was a positive experience.

One-On-One Attention

Every year I search for insurance to make sure that I’m getting the best bang for my dollar. I went with an independent agent because if I go through them, I get that one-on-one instead of being just a number.... The experience was great.

Really Helpful

TrustedChoice.com was real helpful when I needed to get insurance. The agent gave me the basics of what I'd be getting if I got insurance with them.

Multiple Agents

I needed a different independent agent to get insurance and I went with Trusted Choice. Their website was helpful in connecting me to two or three other agents that I was able to speak to. Their site did what I needed.

More Coverage

Trusted Choice's online process is super easy. They pulled most of the information and I ended up going with one of their recommendations. Aside from them, everybody else was too expensive. Plus, the Trusted Choice agent offered more coverage.

Great Match

Everybody at TrustedChoice.com was helpful and pleasant. They set us up with a great match and gave us our best option and price.

Best Coverage and Rates

I did a lot of searching for insurance and I went with a Trusted Choice agent because they provided the best rates and coverage. I haven't had a claim but I know I'm covered and that's good news. I would recommend Trusted Choice.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

How to Find the Best RV Insurance

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What basic RV insurance covers

Other rv insurance options, what’s excluded from rv insurance, who needs rv insurance, where to buy rv insurance.

Whether you plan on using your RV as a full-time home or for occasional road trips, insurance is a must. Adding your RV to an existing car insurance policy may be an option, but RVs are much more than just cars. For better financial protection, consider RV insurance. This coverage combines elements of auto and home insurance to account for the unique potential problems with a recreational vehicle.

See what you could save on car insurance

A basic RV insurance policy may include slightly different coverage types depending on the insurer, but you can expect the following to be required or added automatically when you get a quote:

Liability insurance : To legally operate your RV, you’ll need at least the same amount of liability coverage that your state requires for car insurance. If you ever cause a crash, liability covers others’ injury and property damage costs, up to your limit.

» MORE : Minimum car insurance requirements by state

Collision and comprehensive coverage : Collision coverage helps pay for repairs to your RV if you cause a crash or run into objects such as a tree or street sign.

Comprehensive covers a variety of issues, including theft of your RV, animal collisions, falling objects, vandalism and more.

Note that collision and comprehensive come with a deductible, which is the amount your insurer subtracts from claim payments. If you file a claim for $2,000 to repair damage from a fallen tree branch, for instance, and you have a $500 deductible, your settlement would be $1,500.

Uninsured/underinsured motorist coverage : Uninsured/underinsured motorist bodily injury coverage helps cover your and your passengers’ injury treatment if you’re hit by a driver who doesn’t have insurance, or who has some insurance but not enough to cover your bills.

Uninsured/underinsured motorist property damage coverage kicks in at the same time but goes toward repairing your damaged RV.

Medical payments coverage : If you crash your RV, this coverage pays for injury treatment for you and your passengers, no matter who was at fault in the incident.

If you want only the basics, such as liability insurance, comprehensive and collision, consider adding your RV to your auto policy, which offers those same benefits.

However, RV insurance includes several additional options that car insurance can’t.

Full replacement cost : If your RV is stolen or totaled, comprehensive coverage through car insurance typically pays a depreciated replacement amount. This means you only get back what your RV was worth at the time of the loss. With RV insurance, on the other hand, you can choose full replacement cost and get back what you paid for your vehicle.

Personal property and attachments coverage : RVs are made to be loaded with items and attachments that a traditional auto policy won’t cover, such as cooking appliances, sporting and camping supplies, satellite dishes, awnings and furniture. If your stuff is stolen or damaged, you’d need separate RV insurance to repair or replace it.

Vacation liability coverage : When your RV is in a park or campsite, it’s considered a temporary vacation residence. It’s wise to have liability insurance to cover the damages in case, say, someone is injured inside your RV or you accidentally throw a football through a neighboring camper’s window.

Roadside assistance : RV insurance can provide high-limit coverage to account for the steep prices associated with towing and servicing mammoth RVs.

Travel expenses coverage : If you have an accident or your RV breaks down, this coverage helps pay for lodging and transportation while your vehicle is fixed. It typically applies only when you’re a certain distance from home, usually at least 50 or 100 miles, depending on your insurer.

Full-time RV coverage : This coverage is required if you’re using your RV as your primary residence. Among other benefits, it can provide high-limit personal liability insurance similar to what you’d find in a home insurance policy, medical payments for injured visitors and coverage for belongings you keep in storage while you’re on the road.

Depending on your insurer, travel trailers, campers and other non-motorized units may not fall under RV insurance; they would need their own separate policies.

Also, even though RVs are ideal for traveling far and wide, most companies won’t cover you in Mexico; talk to your insurer about finding Mexican RV insurance if you’re planning on heading south of the border.

You are, however, typically covered in Canada, but ask your insurer to make sure. They may issue a non-resident insurance card that you can show to Canadian authorities.

If you live in your RV full time, separate RV insurance is a necessity. If you use your RV sporadically for vacations and road trips, you’ll need liability insurance at the very least. If you got an RV loan, your lender may require insurance.

Adding your RV to your car insurance may work if your vehicle is older and lacks frills such as attachments, electronics and appliances.

An RV insurance policy is the better choice if you want these perks:

Full replacement cost for your RV and its contents.

Coverage for lodging if your RV breaks down.

Personal liability insurance in case guests are injured in your vehicle.

Coverage for RV attachments such as awnings and satellite dishes.

RV insurance is available through several well-known companies that offer a wide range of insurance products, including:

Progressive

You can also get insurance from smaller companies that specialize in RVs, such as:

Good Sam Club

RV insurance rates are hard to estimate given all the ways you can customize and use your vehicle. It’s worthwhile to explore companies both big and small, as shopping around and comparing a variety of quotes is the best way to learn who has the coverage options you’re looking for at the most competitive prices.

On a similar note...

Free car insurance comparison

Instantly compare top auto insurance companies.

More results…

• Motorhome Manufacturers
• Motorhomes Insured
• Motorhome Breakdown Cover
• Professional Conversions
• Self-Build Campervan Conversion Insurance
• Classic Campervan Insurance
• Campervan Breakdown Cover
• Owner’s Guide
• Hirer’s Guide
• Comfort Insurance & Camplify
• Home Insurance
• Caravan Insurance
• Travel Insurance
• Competition
• Comfort Camping Cookbook
• Just for fun
• Customer Zone
• Contact & Opening Hours

0208 984 0666

• Self-Build Campervan Insurance
• Breakdown Cover for Campervans
• Just For Fun

More results...

Home » Other Insurances » Travel Insurance

Comfort Travel Insurance

When you're planning a trip away there's lots to think about, so let us give you one fewer thing to worry about. We can take the hassle out of your travel insurance, leaving you free to enjoy your holiday from the moment you leave home to the moment you get back. Buy your travel insurance online from Comfort.

Our travel insurance is underwritten by  Inter Partner Assistance S.A UK Branch (Part of the AXA Group), assuring you that you're covered by experts.

Travel insurance policies are provided by Sunworld/ AXA Group, for assistance with a quote or renewal please contact 08003895904 .

To make a travel insurance claim please contact +44 203 475 3630.

Please note that travel insurance matters are not handled at the Comfort Insurance office. For any assistance, kindly refer to the details provided above. However, if you’re having any issues contacting Sunworld/AXA group then please call in or email us.

What is travel insurance?

Travel insurance provides you with financial protection if you face certain mishaps when travelling or on holiday. Policies can cover a range of possibilities, including trip cancellation, injury, lost or stolen luggage and more. Without travel insurance in place, you would have to foot the bill for these expensive emergencies and disruptions.

Who might need travel insurance?

Anyone who is planning a trip away can benefit from travel insurance . Whether you're booking a holiday abroad or setting off somewhere closer to home in your campervan , having a policy in place is vital to keeping you covered on your travels. Comfort travel insurance is suited to every type of traveller and holiday, including:

• Travellers with pre-existing medical conditions
• Solo or family holidays
• Business travel
• Backpack cover

Our Travel Insurance Cover

Choose between single trip, long-stay or annual multi-trip travel insurance that can be tailored to suit your holiday and your individual needs.

We cover a range of pre-existing medical conditions and dozens of sporting activities as standard. And with no age limit to our single trip policy, there’s nothing holding you back!

You’ll also benefit from our 24/7 claim line and round-the-clock medical assistance, should you need it. Included as standard:

Planning something a little different? you can hand-pick from a wide range of travel add-ons to make your trip that extra bit special, with additional cover for:

Travel insurance means you can take peace of mind with you wherever you go. From medical costs and stolen baggage to holiday cancellation and repatriation, you can be left seriously out of pocket by events you could never have seen coming. Our insurance protects you from unexpected costs caused by unforeseen problems on your holiday .

The cost of medical treatment abroad can be high, even if you're travelling with a GHIC, so it's best to purchase travel insurance before you set off. Even if you've left it a bit late, you can get covered right up until the day you travel.

What does our travel insurance cover?

Choose between single-trip, long-stay or annual multi-trip travel insurance that can be tailored to suit your holiday and your individual needs.

We cover a range of pre-existing medical conditions and dozens of sporting activities as standard. And with no age limit to our single-trip policy, there's nothing holding you back!

You'll also benefit from our 24/7 claim line and round-the-clock medical assistance, should you need it. Included as standard are:

• Cancellation cover up to £10,000
• Medical cover up to £10 million
• Hospital benefit up to £1,000 (or £35 per day)
• Personal accident cover £5,000
• Passport and up to £250 cash
• Delay up to £200 and missed departure up to £800
• Legal expenses and assistance up to £25,000
• Personal liability cover £2 million

Exclusions on our travel insurance policies:

Our travel insurance includes an extensive range of circumstances but some exclusions on our policies include:

• Failing to declare any pre-existing medical conditions
• Incidents involving alcohol, drugs and/or solvents
• Travelling to a country, specific area or event against FCDO advice
• Your own unlawful action or criminal proceedings
• Changing your mind about travelling

Remember to always refer to your policy documents for details about exclusions and limitations.

How do I make a claim on my travel insurance?

In an ideal world, you won't ever need to make a claim – but sometimes accidents happen. In this case, experts are on hand 24/7 to provide the help you need. .

You can contact +44 203 475 3630 to discuss claims relating to medical assistance and repatriation.

You will need to provide the claims team with your name and policy number, alongside any other information requested. You should report an incident as soon as possible and call the emergency services if you need immediate medical assistance. Make sure that you keep any relevant documents that can be used as evidence for your claim, including receipts, photographs, correspondence and crime reference numbers.

Why choose Comfort for your travel insurance?

We are one of the UK's leading motorhome insurance and breakdown . Here are just a few reasons why you should choose us for your policy:

• We're an award-winning insurance provider and have won the Motorhome Provider of the Year award on 11 occasions
• We've built strong partnerships with some of the UK's leading insurance companies, such as Aviva and DAS. That means you know you're getting comprehensive, reliable insurance.
• We're authorised and regulated by the Financial Conduct Authority under number 300281.

Do I need travel insurance for holidays in the UK?

Thanks to the NHS, you won't need the medical cover but having some holiday insurance on your staycation is a smart idea. Missed transport cover is useful if you're catching an internal flight, along with additional water-sports cover if you're driving down to the coast in your campervan .

Travel insurance FAQs

Technically, no. It is not a legal requirement to travel with holiday insurance , whether you're jetting off abroad or travelling within the UK in your motorhome . Unforeseen incidents can play havoc on your holiday plans, though, so purchasing a policy from Comfort gives you the peace of mind that only comprehensive cover can bring.

Per the UK government, the cost of medical treatment for a broken leg in Spain and emergency medical repatriation back to the UK is around £15,000 . Without travel insurance , you would be liable to pay the entirety of these costs yourself.

Some countries may have entry requirements for travel insurance with COVID-19 cover, so it's important to check this before you travel.

Your EHIC ( European Health Insurance Card) or GHIC (Global Health Insurance Card) will cover any necessary medical care while abroad but it does not offer you the same level of protection offered by travel insurance . These cards cannot cover emergencies such as flight cancellation, theft or loss of baggage so it is definitely worth investing in the right policy that suits your travel plans.

Yes, you can still get travel insurance with Comfort if you have a medical condition. However, it is essential that you let us know about your diagnosis or any treatment you may have received in the last five years.

Even if you are cured or not suffering from symptoms at the time of applying for your policy, you still need to declare any health issues that fall into the categories listed below:

• Heart conditions
• Respiratory problems
• Chronic illnesses
• Joint and bone inflammation
• Circulatory conditions
• Psychological conditions

You do not need to declare contraceptive treatment or pregnancy unless you have complications and are over 29 weeks.

If you're unsure about whether you need to declare a medical condition, don't hesitate to get in touch with our team of insurance experts. We'll be happy to advise you.

The cost of your travel insurance from Comfort will depend on a few factors, including:

• Your destination
• How much cover you need
• The number of people travelling on the policy
• Whether you have any existing medical conditions
• Whether you add on any extra cover options

Our motorhome insurance customers can use our insurance calculator to get a quote on how much they can expect to pay on our holiday and travel policies.

Contact Form

• Name First Last
• Message We will respond to your message as soon as we can. Any request for change(s) to, or cancellation of your policy will not be effective until written confirmation has been provided by Comfort Insurance.
• Email This field is for validation purposes and should be left unchanged.

column 1 start

• Telephone *

column 1 end

Column 2 start, column 2 end.

• Hidden GA Campaign
• Comments This field is for validation purposes and should be left unchanged.

• I consent to my submitted data being collected and stored for the purpose of receiving the newsletter.
• Name This field is for validation purposes and should be left unchanged.

Privacy Overview

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

How Travel Insurance Can Protect Your Camping Trip

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

Share this Page

• {{errorMsgSendSocialEmail}}

Your browser does not support iframes.

Popular Travel Insurance Plans

• Annual Travel Insurance
• Cruise Insurance
• Domestic Travel Insurance
• International Travel Insurance
• Rental Car Insurance

View all of our travel insurance products

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

Caravan and Motorhome Club

Free on Google Play

Campervan Insurance you can trust

Defaqto 5 star expert rated.

• Campervan Insurance

Our specialist Campervan Insurance is provided by the Club for the reassurance, peace of mind and benefit of our members. Our partner broker, Devitt Insurance Services, use a panel of well-known insurers to secure the best price they can for the cover you need.

Our Campervan Insurance has achieved a 5 Star rating with Defaqto, and you can compare our Campervan Insurance against other providers using Defaqto's Campervan Insurance Comparison Tool.

Compare our product

Switch to us and we’ll refund your cancellation fees

Step 1: Purchase our Campervan Insurance before your current policy ends Step 2: We’ll refund any cancellation fees you have to pay, up to a maximum £50

terms and conditions apply

GET A QUOTE

GET A REFUND

+Based on renewals data supplied by Devitt Insurance Services for the period 1 July 2022 to June 2023 (89.1% overall)

* trustpilot rating correct as of 1 november 2023 but is subject to change., **send us proof of a current renewal invitation (including details of cover and price) from your existing insurer/broker, and we’ll beat it by at least £25. offer only applies when switching to the club, is subject to insurers’ acceptance of the risk and cover being arranged on a like-for-like basis. terms and conditions and excesses may vary from your current insurer and optional extras (such as breakdown and legal expenses cover) are excluded. future renewal prices will always be less or the same as an equivalent new business price..

or call us on 0345 504 0334 (Phone lines open Mon to Fri 8.30am to 7pm, Sat 9am to 5pm, Sun 10am to 4pm)

Do I need Campervan Insurance?

Campervan Insurance is motor cover specific to campervans. It can provide cover towards the cost of repairs or replacement, if your campervan is damaged in an accident, fire, attempted theft or is stolen. It must always provide cover for your legal liability towards third parties, so you're covered if you have an accident causing damage or injury to any other person, vehicle, animal or property. Third-party insurance is a minimum legal requirement if you have a campervan that is being stored or used on the road.

What does our Campervan Insurance cover?

✓ Clothing, non-permanent fixtures and fittings and baggage up to £5000

✓ Up to £75 per night for 15 nights’ overnight accommodation if your motorhome becomes unusable in an accident or loss

✓ New for old cover for up to 24 months from new - no mileage limit

See what else our Campervan Insurance can offer >>

Minimum and maximum age limits apply. Insurers may allow existing policies to renew beyond maximum new business age limits.

How do we compare?

With so many campervan insurance products on the market, making sure you have the cover that's right for you can be difficult. To help you, Defaqto has developed a comparison tool so you can compare our Campervan Insurance with other providers.

Campervan Insurance, when you need it.

Information, do i qualify for campervan insurance.

Most purpose-built campervans are covered by our Motorhome Insurance policy - we just need to make sure yours fits the same criteria. This should show in your V5 log book  (supplied by the DVLA) as a ‘Motor Caravan’ which means you can get a quote online .

If your campervan is not shown as a ‘Motor Caravan’, we'll simply need to talk to you to make sure we give you the right cover, so please call us on  0345 504 0334

(Phone lines open Mon to Fri 8.30am to 7pm, Sat 9am to 5pm, Sun 10am to 4pm).

Join today to get covered

Campervan Insurance is exclusive to our members.  If you're not yet a member you can still get a quote which you can take up once you join.

Motorhome Insurance

Save with our Defaqto 5 Star Expert rated Motorhome Insurance. We'll beat the renewal quote of your existing insurer by at least £25.

Home Insurance

Enjoy 90 days unoccupancy cover on our home insurance policies whilst touring

Safety and Security

Practical advice and technical tips for looking after your outfit.

Caravan and Motorhome Club’s Motorhome / Campervan Insurance is arranged for the Club by Devitt Insurance Services Limited.

Caravan and Motorhome Club is a trading name of The Caravan Club Limited, registered in England and Wales no. 00646027. Registered address: East Grinstead House, East Grinstead, West Sussex RH19 1UA. The Caravan Club Ltd is authorised and regulated by the Financial Conduct Authority (no. 311890) for general insurance and credit activities.

Coronavirus (COVID-19) Update

We would like to thank you for your co-operation during this difficult time with the spread of the Coronavirus. As a business, our priority is to minimise any risk to our staff, whilst at the same time ensure we are able to service all of our customers. We have staff working from home and you may experience longer than normal delays, but rest assured, we are doing our best to answer all of our customer queries as swiftly as possible.

Should you have any concern regarding paying for your insurance then we will do everything we can to support you if you have been affected by the Coronavirus. There are a number of ways in which we can help, so please contact us on 0800 0815 024 as soon as possible in order to discuss the options we have available.

Our entire team thank you for your patience and co-operation during these exceptional circumstances.

Mon - Fri 9am - 5.30pm

Staveley head uses cookies to improve the experience you receive on our website..

You can read our cookie policy here.

• Customer Reviews
• Commercial Vehicle
• Personal Vehicle

• Taxi Insurance Guides

Commercial Vehicle Insurance

Our experienced team of insurance specialists work with leading UK insurers. So we’ll get you the cover you want for the price you want - fast.

Business Insurance

Our experienced team of business insurance specialists work with leading UK insurers. So we’ll get you what you want for the price you want - fast.

Personal Vehicle Insurance

Compare insurance quotes for your motorhome, campervan, caravan or car today and see how much you could save.

Home Insurance

Compare home insurance prices from leading UK insurers and choose the right cover for you.

Travel Insurance

Simply make one quick call to our team of travel insurance specialists and we’ll give you a competitive quote to insure you and your holiday.

What type of insurance Do you want a Quote for?

• Covid-19 Update

How to organise travel insurance for a holiday in your motorhome

Don’t miss out on our fantastic newsletters, emails and blogs

A motorhome holiday is a time for unwinding and having fun, a chance to get away from the daily grind and go out and explore. Whether you’re planning on travelling in the UK to one of the fantastic campsites this country has to offer, or further afield to Europe, it’s a good idea to have the right level of motorhome travel insurance in place so that you can enjoy your holiday safe in the knowledge that if something were to go wrong, you would be covered.

When taking out travel insurance for a holiday in your motorhome, there are a few things that you should take into account, such as who will be on the policy and what you need it to cover.

WHO IS GOING?

Are you going on a solo adventure or a holiday with all the family? It’s important to think about who will be travelling with you when planning your trip and making sure that they are eligible for cover with your travel insurance.

At Staveley Head we offer motorhome travel insurance for: single persons, couples (if you have been living at the same address for 6 months or more) and families (for couples and your dependent children aged under 18 years old).

WHERE YOU ARE GOING AND HOW LONG IS YOUR TRIP?

The type of travel insurance you require depends on where you’re planning on visiting and how long your trip will last. If you’re planning a long trip it’s important to take in to account that the premium can increase.

Our motorhome travel insurance can cover you for up to 60 days within the UK, Channel Islands or the Republic of Ireland for any one trip, or 30 days if travelling in Europe. European travel can be extended, however, to 120 days for an additional premium.

HOW OFTEN WILL YOU TRAVEL?

How often you travel in your motorhome will determine the type of policy that you will require. If you are lucky enough to be able to go on lots of trips away, then you might want to consider an annual or multi-trip policy (opposed to a single trip policy) giving you the freedom to take a holiday at short notice.

ARE YOU GOING TO BE DOING ANY SPORTS OR ACTIVITIES?

Thinking of getting active whilst on your motorhome holiday? Lots of sports and other activities are covered as standard by your motorhome travel insurance, but it’s important to check your policy wording to make sure that your chosen activity is included.

If you’re going to be hitting the slopes or going for a round of golf whilst on your trip, Staveley Head offer winter sport and golf cover as an optional extra.

If you’re looking for motorhome travel insurance why not get a quote online or call our specialist motorhome team on 0800 0815 028.

Prefer To Talk

If you’re interested in taking out insurance with us.

USEFUL LINKS

Clear. simple. sorted..

• Clear communication
• Straightforward quotes
• Amazing customer service

When you use links on our website, we may earn a fee.

6 Best RV Insurance Companies of 2024

Table of Contents

• Best RV Insurance
• How to Find
• How to Save

RV insurance policies are designed to provide protection for various types of events, including when your vehicle causes damage or injuries to others and when your vehicle incurs damage or loss.

Like other types of vehicle insurance, there are different levels of coverage available. This includes full-time RV insurance for those who live in an RV as their permanent residence and part-time insurance for RV owners who use the vehicle on a part-time or occasional basis.

No matter how often you use your vehicle, nearly every state requires liability coverage of some sort when you operate an RV. Additional coverage available for RVs includes collision insurance , which addresses the cost of repairs in the event of an accident involving another vehicle and comprehensive coverage , which is designed to cover such incidents as vandalism and theft, among other things. There are also many different types of add-ons and discounts available when selecting RV insurance.

Below we identify the best RV insurance providers, based on extensive research and taking into consideration such factors as policy offerings, extras, information availability and transparency on company websites, and more.

• Best Overall: Progressive »
• Best for Full-Time RVers: Good Sam Insurance Agency »
• Best for Part-Time RVers: National General »
• Best for Diversity of Coverage Options: Allstate »
• Best for Policy Discounts: Nationwide »
• Best Customer Service: Geico »

Best Overall:  Progressive

Insures all types of motorhomes

Extensive variety of discounts available

Offers full-time RV coverage

Total loss replacement not available in all states

Progressive is our top choice for RV insurance based on analysis of its offerings and the competition. Progressive insures a wide range of RVs including Class A, Class B, and Class C motorhomes. It also ensures conventional trailers and fifth-wheel trailers. Not all insurers offer coverage for such a diverse range of RVs.

Progressive also makes it very easy to identify any discounts that may be available. When requesting a policy quote, the Progressive platform shows users multiple ways to save on policy costs. There’s also a significant number of discounts offered, including original owner, multi-policy, pay in full, responsible driver, prompt payment, claim-free renewal, homeowners, continuous coverage, and paperless discounts. Disappearing deductibles, which represent another option, are also offered by Progressive. As part of this discount, for every claim-free period on your policy, Progressive says it will subtract 25%and will keep doing so until you reach $0.

Progressive’s policy options include coverage for those who use their RV full-time or as a residence. Policies for these customers provide coverage similar to homeowner’s insurance, including personal liability and loss assessment. Another feature we liked, in contrast to some other RV insurance providers, Progressive’s website is detailed and very informative, making it easy to learn about the various policies available, as well as add-ons, and discounts.

One significant drawback for some: Progressive does not offer total loss replacement in all states. If you own a newer RV or a particularly expensive RV, not being able to access total loss coverage can be a dealbreaker. You will need to check with your Progressive agent or speak to an agent on the phone to determine what coverage is available in your state.

Coverage Types:

• Comprehensive and collision
• Uninsured/underinsured motorist
• Medical payments

Discounts and Benefits :

• Original owner
• Multi-policy
• Pay in full
• Responsible driver
• Prompt payment
• Claim-free renewal
• Continuous coverage
• Paperless 

Add-Ons and customization :

• Roadside assistance
• Total loss replacement
• Replacement cost/personal effects
• Vacation liability
• Full-timer’s liability
• Loss assessment
• Emergency expense coverage
• Pet injury coverage
• Roof protection plus
• Pest damage protection

AM Best financial strength rating :

• A+ (Superior)

Best for Full-Time RVers:  Good Sam Insurance Agency

Covers all types of RVs

Provides coverage in Mexico

Insurance agency, not a direct insurer

Poor customer reviews of roadside assistance

Not all RV insurance providers offer policies for full-timers, but Good Sam does. It also offers customizable coverage options designed specifically with full-time RVers in mind. For those who use their RV six months or more annually, the full-timer’s plan offers personal liability loss coverage beyond that tied to a vehicle accident. Additional options available for full-time RVers include medical payments to others, personal belongings coverage, and emergency expense allowance. And because Good Sam utilizes a network of specialty RV insurance carriers to provide coverage – unlike other firms in this article, Good Sam is an insurance agency, not an insurance company – most RVers should be able to find coverage for any lifestyles and budgets.

It’s also worth noting that Good Sam can connect you with insurers that offer coverage for travel in Mexico, which is not something all companies offer. Good Sam discounts include multi-vehicle, multi-policy, and paid-in-full. There’s also a storage discount that allows policyholders to suspend most coverage options during non-travel seasons when your RV is in storage. The company says this discount can save users an average of 53%off insurance premiums when not using your motorhome, fifth-wheel, or travel trailer.

There are some drawbacks to consider when considering Good Sam as well. Most importantly, it is not a direct insurer. It is an insurance agency. The coverage itself is provided by such companies as Progressive, Safeco, National General, and others. As a result, coverage options may vary. In addition, there have been some customer complaints lodged with the Better Business Bureau (BBB) about Good Sam’s roadside assistance, which reviewers say has failed to meet the expectations of policyholders.

• Comprehensive
• Uninsured and Underinsured Motorist Protections
• Personal Liability
• Property Damage Liability
• Bodily Injury Liability
• Personal Injury Protection
• Multi-vehicle discount
• Paid in full discount
• Multi-policy discount
• Storage option discount
• Full replacement cost coverage
• Full-time RVer coverage
• Personal effects coverage

Best for Part-Time RVers: National General

Ability to pause coverage when RV is not in use

Purchase price guarantee coverage

Website lacks detailed information about policies

Does not cover all RV types; only Class A, Class C and toterhomes

One of the most notable features of National General’s offerings is the ability to pause coverage when you’re not using your RV. This is a potentially valuable money-saving feature for those who do not intend to drive or live in their RV full-time. For months when your RV is in storage or not being used, the pause option suspends collision and liability coverage, which the company says saves policyholders as much as 53%on premium costs.

The purchase price protection add-on offered by National General is another feature worth considering, especially if you’re driving an expensive new RV. This coverage can be added to your policy within an RV's first 9 model years and it pays up to the original purchase price of an RV, in the event your vehicle is totaled and needs to be replaced.

Some customers may be frustrated by National General’s website, which isn’t as user-friendly as those of some competitors. The publicly available information about policy offerings is limited, making it difficult to get all your questions answered if you’re policy-shopping online. In addition, the company does not cover all RV types. It only covers Class A, Class C, and Toterhomes. But the only way to find this out is to go through the steps of obtaining a quote on the company’s website.

Also you need to be aware that coverages and discounts as well as features, benefits, and pay plans may vary by states. You will need to verify what is available for your state with an agent.

• Multi-vehicle discounts
• Diminishing deductibles
• Storage savings option
• Purchase price guarantee
• Emergency expense allowance
• Specialized equipment coverage

Best for Diversity of Coverage Options: Allstate

Long list of coverage options

Offers full-time RV insurance

• RV safety course discount

Fewer discounts listed then some other insurers

Website lacks specifics about policies

The RV coverage options available through Allstate are extensive. In addition to the basics, such as bodily injury liability, property damage liability, collision coverage, and comprehensive, Allstate offers such options as vacation liability, pet coverages, tow bar coverages, and emergency expense coverage. Allstate’s policy options also include full-timer’s liability coverage. This coverage is available to those who use an RV as a permanent residence for more than six months annually. Allstate also offers a policy discount to those who take an RV safety course, something that is not offered by all insurers.

Still, the discount options listed on the Allstate website are limited compared to the competition. Beyond the safety course discount, the potential price cuts include homeowner discount , married discount, pay in full discount, and paperless discount. Other companies offer a wider variety of ways to reduce policy costs.

Coverages and discounts may vary by state. Speak with an agent to see what is available for you.

• Bodily injury liability
• Property damage Liability
• Collision coverage
• Comprehensive 
• Medical payments coverage
• Uninsured and underinsured coverage
• Personal injury protection coverage
• Homeowner discount
• Married discount
• Pay in full discount
• Paperless discount
• Personal effective coverage
• Emergency expenses
• Full timers liability coverage
• Pet coverage
• Tow bar coverage

Best for Policy Discounts: Nationwide

Variety of discounts available

Towing coverage includes lodging and meals

Limited optional coverages

No online quote option

Nationwide offers a variety of discounts in association with its RV policies including multi-policy and multi-vehicle discounts, RV safety course, paid-in-full, good driver, prior insurance, and claims-free renewal. It also offers a discount for RV association membership, which is not offered by many competitors. Those who are members of an RV club, such as the National RV Association, may be eligible for a policy discount.

Nationwide offers comprehensive roadside assistance. Using its mobile app when roadside assistance is needed, you can track service in real time, get status updates on a driver’s arrival, and read Google reviews of area repair facilities. The emergency assistance program is available 24-hours a day and includes towing, jump start, gas delivery, flat tire changes, and winching. When you add the optional towing coverage to your policy, you’ll also get coverage for trip interruption expenses including lodging, transportation and meals.

Nationwide’s optional coverages, however, are limited compared to the competition. It offers less than a half dozen choices: roadside assistance, towing and labor, vacation liability, safety glass replacement, and replacement cost and scheduled personal effects. This can be challenging for RVers seeking coverage for such things as pets, or other unique needs. The company also does not provide the option to obtain a quick policy quote via its website. Instead, you must call and speak with an agent. The agent will be able to share what coverages are available in your state.

• Property damage liability 
• Uninsured motorist
• Underinsured motorist
• Multi-vehicle
• RV safety course
• RV association
• Paid in full
• Good driver
• Prior insurance
• Claims-free renewal
• Towing and labor
• Safety glass replacement
• Replacement cost and scheduled personal effects

Best for Customer Service:  Geico

Coverage for motorized and towable RVs

Widely available across U.S.

Enhanced RV coverage is not available in all states

RV policy discounts not listed on Geico website

Geico is well-known for its admirable customer service and this holds true for its RV insurance. Customer service representatives are available around the clock, 24 hours a day, seven days a week. Customer service can also be reached through the Geico app or online via live chat on the company’s website. The variety of ways to communicate is not something offered by all providers and can be especially reassuring in an emergency situation.

Geico also provides coverage for a variety of motorized and towable RVs. The motorized RVs covered include Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes). Their travel traveler insurance encompasses conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends and even folding camper trailers and truck campers. And unlike many other insurers, Geico also covers toy haulers used to transport motorcycles and ATVs.

There are some limitations to Geico’s coverage, however. For instance, it does not provide “enhanced”RV coverage in Hawaii, Massachusetts, Michigan, or North Carolina. There’s also no information made available on the Geico website about RV policy discounts that may be available, which can make it challenging to quickly obtain a full comparison of Geico policies and options against the competition.

• Defensive driver course completion
• Having a commercial drivers license
• Replacement cost personal effects
• Special windshield deductible
• A++ (Superior)

The Bottom Line

There’s a variety of RV insurance policy providers and options on the market, making it important to do your homework and understand the different choices and whether they suit your lifestyle, goals, and budget. If you’re a first-time RVer, be sure to ask a lot of questions so you know what you’re signing on for and what your policy will and won’t include. For sheer user-friendliness, Progressive can be a good place to start as its website provides a great deal of information up front.

How to Find the Best RV Insurance

Here are some key actions to consider when searching for the best RV insurance policy:

• Evaluate your coverage requirements. Assess the type and level of coverage you need, considering factors like your RV’s value, your driving habits, and legal requirements in your state.
• Get quotes. Compare premiums, coverage options, and potential discounts by requesting quotes from various providers.
• Review policy flexibility. Look for insurers offering flexible policy options, such as customizable coverage limits and deductible choices, to match your individual needs.

How to Save on RV Insurance

When looking for ways to reduce the cost of RV insurance, consider the following:

• Searching for  discounts. Ask about benefits like safe driver, new vehicle, and safety feature discounts.
• Bundling policies. Save money by bundling RV insurance with other home or auto insurance policies.
• Raising deductibles. A higher deductible can reduce your premiums, but make sure you can cover the out-of-pocket costs in case of a claim.
• Exploring usage-based insurance options. Some insurers offer discounts based on driving habits tracked through usage-based programs.
• Maintaining a clean driving record. Avoiding accidents and traffic tickets can help keep your premiums low.
• Improving your credit score. Maintaining a good credit score can also lower your premiums.

Do You Need RV Insurance?

Generally, RV insurance is essential to protect your investment and cover potential risks, but there are a few points to think about when deciding if you need it:

• State requirements. Many states require liability insurance for RVs, similar to requirements for cars.
• Type of RV.   Motorhomes, travel trailers, and campers may have different insurance needs. Motorhomes usually require separate insurance, while trailers might be covered under your auto policy.
• Usage. If you live in your RV full-time, you'll need specialized coverage that differs from recreational use insurance.
• Protection. RV insurance can cover various risks, including liability, collision personal belongings, and even roadside assistance.

How We Chose the Best RV Insurance

A number of expert sources were used to conduct this review. The selection was narrowed down with additional research, paying particular attention to policy add-ons, discounts, user-friendliness of websites and the transparency of available information. We also took the company’s AM Best financial strength rating into account, as well as consumer feedback from the Better Business Bureau (BBB).

Overall, we found that the best policy is one that combines a variety of coverage options, as well as a diversity of discounts and the ability to customize policies to meet your needs and RV usage styles.

WHY SHOULD YOU TRUST US?

Our contributors and editors have years of experience researching, testing, and reviewing products. Mia Taylor , the author of this piece, has nearly two decades of consumer news experience in insurance, personal finance, loans, debt, credit cards, real estate, and travel. She has worked for Fortune, Bankrate, Policygenius, TheStreet, Cheapism, Real Simple, Parents, Better Homes & Gardens

Full-time RVers will need a policy that’s specifically designed for their lifestyle. These policies are similar to home insurance policies and often include such features as personal liability and loss assessment coverage. Part-time RVs or occasional travelers will need less comprehensive coverage and may want to seek a policy that provides discounts for those times when the RV is in storage or not in use.

Some policies do cover belongings inside your RV, but you will typically need to add this type of coverage to a standard policy, which will increase your policy costs.

Some companies may provide rental reimbursement while an RV is being repaired. This would be an add-on feature, so be sure to ask about the availability of this option when shopping around.

Because trailers are not motorized, a separate policy is typically not required. In most cases, the liability insurance you have for the vehicle that’s towing the trailer will cover your trailer.

When renting out an RV that you own, you will need insurance that covers yourself during the rental period while other people are driving the vehicle. You will also need a separate insurance policy that allows you to rent your RV.

Yes, theft of personal items is often covered by RV insurance under personal effects coverage. This coverage protects your personal belongings stored within the RV, such as clothing, electronics, and other valuables.

Insurance for RVs is generally more affordable than auto insurance, offering similar coverage levels. However, the insurance cost for bigger and newer RVs can exceed standard auto insurance rates.

U.S. News 360 Reviews takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.