Motorhome insurance

If the following apply to you and your vehicle, you may qualify for a quote:

• You are between the ages of 30 and 74

• The vehicle is registered in Great Britain

• You will be using the motorhome for social, domestic, and pleasure purposes only

• The motorhome meets the insurer's standard underwriting criteria (e.g., not electric, not imported, and engine size does not exceed 3000cc)

• You own or have sole use of another vehicle for daily transport

Yes, your policy includes several important exclusions. Full information can be found in the policy wording.

Here is a summary of some of those exclusions:

1. Deliberate or Criminal Acts

   No cover for damage or liability resulting from intentional actions, criminal use of the motorhome, or attempts to evade law enforcement.

2. Driving Under the Influence or Without Permission

   Claims won’t be paid if the driver is over the legal alcohol limit, impaired by drugs, or not named on the Certificate of Insurance.

3. Use Outside Permitted Conditions

   Excludes use on restricted roads, in races or competitions, or for hire and reward (including peer-to-peer rentals).

4. Environmental and External Risks

   No cover for damage caused by nuclear incidents, war, terrorism, pollution, earthquakes, or sonic bangs.

5. Gradual or Preventable Damage

   Damage from vermin, mildew, water ingress, wear and tear, mechanical breakdown, or incorrect fuelling is not covered.

6. Unattended or Unsecured Vehicles

   Loss or damage won’t be covered if the motorhome is left unlocked, with keys inside or nearby, or windows left open.

You can add up to three additional named drivers to your motorhome insurance policy, subject to underwriting acceptance.

Yes, KGM/FootmanJames motorhome insurance includes up to 180 days of cover per year for travel in the following countries, provided your annual mileage limit is not exceeded.

Andorra, Austria, Belgium, Bosnia & Herzegovnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Please note: breakdown cover is not included as standard and must be arranged separately. Requests for travel outside these regions must be referred to KGM for approval.

Yes, you can protect your No Claims Bonus (NCB) under the KGM/FootmanJames Motorhome Insurance scheme, provided the following conditions are met:

• You have at least 4 years of proven NCB on a motorhome policy

  You may have 1 previous claim if your previous policy had protected NCB

• You can make up to two claims in any four-year period without losing your NCB

• If more than two claims are made, your NCB will be reduced according to the step-back scale

Note: Protected NCB does not prevent your premium from increasing after a claim, and underwriters may still apply additional terms.

It is not possible to suspend your motorhome insurance during winter. Even when you are not making use of your motorhome, having motorhome insurance is a legal requirement and your vehicle must be insured against risks such as storm damage and theft.

We can insure a wide range of motorhomes and campervans used for private, social, domestic, and pleasure purposes. This includes: Modern and older motorhomes of all ages

• Campervans, including those that have been self-converted, provided they are DVLA-registered as motorhomes

• Classic motorhomes (pre-1985 with low mileage) may be eligible under our Classic Car scheme

• American RVs may be considered on referral, but must not be imported or exceed 3000cc

Unfortunately, we cannot insure electric vehicles, imported vehicles, or any motorhome used as your main vehicle, for business, or as permanent accommodation.

Where can I find details of my motorhome insurance cover?

You can find full details of your motorhome insurance cover in the policy documents you received when you purchased your policy.

These documents include your Policy Schedule, Certificate of Insurance, and Policy Booklet, which outline your cover, limits, and any applicable endorsements.

Need help or a replacement copy?

If you have any questions about your cover or need a new copy of your documents, our team is here to help. Please call us on: 01384 218 007. Check our opening hours.

Yes, Footman James can offer cover for left-hand drive motorhomes. However, the vehicle must meet all other underwriting criteria, including ownership and usage requirements.

Yes, self-converted campervans can be insured if they have been inspected by the DVLA and the vehicle registration documents have been updated to show the body type as “motorhome.”

If the conversion is still in progress, please contact Footman James before arranging cover.

No, Footman James do not cover:

• Electric motorhomes

• Imported vehicles

• Vehicles with an engine size over 3000cc

The policy is for social, domestic, and pleasure use only. Business use is not permitted under this policy.

Yes. If you have comprehensive cover, you’re insured for up to £300 for personal belongings lost or damaged due to an accident, fire, theft, or attempted theft—provided a claim is also made under Section 2. Loss of or Damage to Your Vehicle.

Yes. If a child car seat or booster seat is fitted in your motorhome and is damaged in an accident, fire, theft, or attempted theft, it will be replaced in full—provided a claim is also made under Section 2. Loss of or Damage to Your Vehicle.

Yes. If your motorhome is damaged in an accident and cannot be driven, the policy covers:

Transport for you and your passengers to your home or destination (up to £300), or Overnight accommodation (excluding meals and drinks) up to £300.

If your keys or lock transmitter are lost or stolen, the policy covers the cost of replacing locks and keys—up to £750 or 10% of the vehicle’s value (whichever is lower). You must be able to show that the location of the vehicle is known to the person in possession of the keys.

If your motorhome is written off or stolen and not recovered, the insurer will offer a monetary settlement based on the market or agreed value. Once accepted, the vehicle becomes the insurer’s property. You may be offered the option to retain the salvage, subject to a deduction.