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Camping

Pros and Cons of Campervans and Motorhomes: Which Should You Buy?

In this article, we look at the pros and cons of both campervans and motorhomes. What advantages do campervans have over motorhomes and vice versa? We help you to decide which type of camping vehicle will suit you.

Touring, camping and day trips in a campervan or motorhome is a great way to enjoy holidays, weekends, and leisure time. Owning a camping vehicle has become more popular over the last few years and this has accelerated through the Covid-19 crisis.

Choosing between buying a motorhome or a campervan is often not so obvious, as both are brilliant vehicles to own and each has their particular merits.

In this article, we consider the benefits of each, as well as the drawbacks, to help you decide whether you will become a campervanner or a motorhomer.

Choosing between a campervan and a motorhome

Having our own home-away-from-home on wheels was a dream of ours for a long time. We finally decided on a VW California campervan and haven’t looked back.

There were loads of things that we considered in making our final choice. 

In the future, we may move to a bigger van or a motorhome as our situation changes and we have more time to travel further for longer. But, we were selecting for what works for us right now and for the next few years.

We have two primary school-aged children so needed something that seated and slept four comfortably. We also wanted a vehicle which we could use day-to-day so parking at home was important. 

Although a VW pop-top campervan was ultimately the right choice for us, it wasn’t clear-cut at the beginning. Just like buying a home, some compromises had to be made.

Whether you should get a campervan or a motorhome will depend of course on your personal circumstances and what you want to get out of your van ownership.

What are the main differences?

If you want to take a deep dive into what exactly defines a campervan and a motorhome, take a look at our article What is the Difference Between a Campervan and a Motorhome?

Campervan advantages and disadvantages

Campervans are generally smaller and have fewer home comforts than their motorhome cousins. They are built within a van body either as a conversion from a commercial van, or factory-built by the van manufacturer.

Smaller campervans, known as micro-campers, use a car or small delivery van as a base vehicle and sleep two. These are easy to park and have lower fuel consumption but may not suit longer touring holidays.

Van conversions are the type of vehicle most people associate with the term campervan. 

They typically have enough comforts to use on camping trips and touring with the benefit of easier parking and day-to-day use than bigger motorhome counterparts. However, limited gear storage and the lack of inbuilt toilet and shower facilities will not suit everyone.

Motorhome advantages and disadvantages

Motorhomes are longer and often wider and are designed to provide a comfortable and spacious environment including built-in washing and toilet facilities.

Motorhomes range in size from 2-4 berth long panel van conversions to American RVs with slideout sides and separate rooms. The typical type of motorhome you’ll see in the UK has a coach-built body mounted on a truck chassis and cab, with berths for 2-6 people.

They are more spacious with a finish and facilities aimed at comfortable living for longer touring and campsite stays. Their larger size brings less flexibility with driving and parking and may require a driving licence for heavier vehicles.

Let’s look at these pros and cons of campervans and motorhomes in more detail.

Driving

If you are not used to driving a larger vehicle, driving a motorhome or campervan can take some getting used to.

Road handling

These vehicles are heavier than cars and this affects their handling on the road, steering, accelerating, and braking.

Motorhomes, being larger than campervans, can often be a less finessed drive in built-up areas but comfortable on the open road. Campervans will often handle well in traffic, similar to driving a large SUV or estate car, and are often suitable as a daily drive vehicle.

Power steering can make a big difference for both types. Without it, each vehicle can feel, unsurprisingly, like the truck or commercial van it is built on. Similarly, an automatic transmission can make for a smoother ride at lower speeds. Some motoring purists (not me) will always prefer a manual gearshift.

Take as many test drives as you can get away with to really appreciate what each vehicle is likely to feel like.

Visibility

Visibility is more limited than a car with windows all around, so mirrors become even more important. On the other hand, a high driving position on the road allows you a much better view of the traffic and the scenery.

Arguably campervans often have better visibility than motorhomes, as they often have a rear window which can be seen through the rear-view mirror. Some coach-built motorhome designs have a body which is wider than the cab, reducing visibility further.

Driving licence

The standard UK driving license category B lets you drive a vehicle up to 3,500kg in MAM (maximum authorised mass), and tow a trailer up to 750kg (provided the combined MAM is under 3,500kg).

Most campervans and many motorhomes are under 3,500kg so you are covered. Even so, it is important to check the specifics of the vehicle and your driving licence before you buy.

To drive a vehicle between 3,500kg and 7,500kg you will need to have a C1 licence. The good news is for UK drivers who passed their driving test before 1997, the C1 category is automatically included.

If you passed your test from 1997 onwards you will have been given category B licence only. To drive larger motorhomes you will need to pass the theory and practical category C1 driving tests.

Parking

When considering the pros and cons of motorhomes and campervans, parking is an obvious issue.

Motorhomes are generally larger vehicles than campervans, and parking them is a distinct disadvantage.

On a campsite, no problem. Campsite pitches are designed with motorhomes in mind, and all but the largest RVs are able to be comfortably parked.

The footprint of a regular short-wheelbase campervan is similar to a large car and will fit standard parking spaces, albeit sometimes a little snugly. Van conversions of medium and long-wheelbase panel vans are a different matter. You may find yourself parking in the outer reaches of supermarkets car parks across two spaces.

Visiting the supermarket or town centre in a motorhome can cause parking issues. You may have to find generous street parking spaces nearby and walk to your intended destination rather than stubbornly squeezing in.

Height restrictions

Remember there are three dimensions that matter with any campervan or motorhome. As well as length and width, the height is critical when parking. Many a leisure vehicle driver has fallen foul of an overhead height restriction barrier.

Speaking from personal experience, I once forgot that using the bike rack on the back of our van increased the height, and hit a height barrier at an outdoor car park in Staffordshire. Luckily there was no damage to the van, only superficial damage to the bikes, and a mildly bruised ego.

Motorhomes will very often exceed the common two-metre height limit in outdoor and multi-storey car parks, further reducing your parking options.

Camping

These vehicles are, obviously, designed for camping. Let’s look at the pros and cons of campervans and motorhomes when setting up and staying at campsites.

Getting set up

Setting up camp in a motorhome is easy.

After parking and levelling, you need only plug into the electric hookup and perhaps water supply, and you’re done. You may want to set up an awning or annexe for extra space, but these are very much optional.

Campervans are a little more work to get set up at a campsite.

They will commonly have a day mode and night mode setup. Day mode for using the living space as a sitting room and kitchen, and night mode converting seating into beds. Longer wheelbase vans often have a fixed bed which makes things a little easier.

If you have a lot of gear or more than two people you will likely have to use a drive-away awning to store excess gear so that you can set up beds. Pop-top roofs give more head height for living and cooking, and very often have a pull-down bed too.

Sleeping

Of critical importance is how many berths your need.

Campervans are usually designed to sleep 2-4 people. Motorhomes can range from 2-6 berths, depending on the particular design. Giant RVs can often sleep up to 8.

Motorhome beds are designed for home-from-home comfort. They will usually have a fixed double bed or two singles towards the rear, with sprung mattresses.

Additional beds can be above the cab or in the living area, requiring some setting up. Beds made up from seat cushions in the living area are not always comfortable for adults, but for small children they are cosy.

Campervan beds can range from rudimentary ones where you might feel a seatbelt buckle in the wrong place, to sprung bases and super-soft mattresses with memory foam mattress toppers.

Washing and toilet facilities

Inbuilt washrooms typically contain a shower, mini washbasin, and a toilet that can be turned out of the way. They save the need for a late evening dash to the campsite ablution block and are handy when travelling too.

The downside of built-in toilets is that they need to be emptied. The more they are used, the more often a trip to the waste disposal is necessary.

Campervans without toilet/shower arrangements don’t have the waste disposal problem but require a toileting solution when not on a campsite with facilities.

We pack a portable chemical toilet (Porta Potti 335 portable toilet) for longer stays and always carry our fold-up camping toilet (Carplife Bivvy Loo) for on-the-road and overnight use.

To some, campervans feel like camping in a metal tent contrasting with motorhomes that seem like a posh caravan with a motor.

The type of camping experience that suits you will ultimately guide your decision.

Motorhome storage

As with parking when in use, storage is an important factor in the pros and cons of campervans versus motorhomes.

Security

An important consideration when we purchased our campervan was parking at home.

Our previous house did not have a driveway and we weren’t keen to leave an expensive motorhome parked on the street. This put us off buying a van until we moved to a house with a suitable driveway.

Although the van is parked on our property we have taken various security precautions to protect it from theft (not telling which).

Winter months

Motorhomes which are not used over the colder months are vulnerable to damage from moisture and freezing. Many motorhome owners will winterise their motorhome to keep it safe while it is not in use.

If your campervan is your daily drive and used regularly then winter storage is less of a problem. Emptying fresh and grey water tanks is still essential to avoid expensive damage from freezing.

Offsite storage

Larger motorhomes may simply not fit inside the property or a garage. Many motorhome owners store their vehicles in offsite storage facilities. These can usually be found in rural areas where the farmer has dedicated open storage or undercover storage for caravans and motorhomes.

Money

At last, we come to the big one – how much is all of this going to cost you?

Purchase price

Motorhomes and campervans are expensive assets.

A recent model used motorhome will set you back a minimum of £20-£25,000, and the price goes up to well over £100,000. Large American RVs can be as much as £250,000, but to be fair they are like a proper house on wheels.

Campervans are usually a cheaper option. A new conversion on a recent model or new base van will not give much change out of £30,000, but older vans can be picked up more cheaply.

Factory-built campervans such as the VW California and Mercedes Marco Polo start from around the £60,000 price point and go up depending on the options selected.

You also have the option of creating your own campervan. Buy a base van and pay a converter to fit it out or do it yourself and get specialists to do the tricky bits.

A DIY campervan means that you get to select just how much you are prepared to spend. You can even improve the van in stages, spreading out the cost.

Insurance

Oddly enough, insuring a motorhome or campervan is often cheaper than insuring a normal car. Like all insurance, it pays to shop around. Always pay close attention to the level of cover, exclusions, and excesses involved.

Service and repairs

The cost of servicing, repairs, and spare parts can be more expensive than regular cars.

Servicing costs can be higher as you are servicing a commercial vehicle. On the repairs and maintenance side, there is a lot more to break or wear out. Just consider the facilities for cooking, sleeping, bathroom, water, gas, electrics, and so on.

Campervans will often have lower servicing and repair costs than motorhomes. They are smaller vehicles with fewer additions, but it will depend on your vehicle including any warranty requirements. 

Fuel costs

Motorhomes are heavier and will generally cost more to run than campervans.

All this depends on the fuel type, engine efficiency, and load that you are carrying. Pay close attention to the manufacturers’ figures and add at least 20% for real-world conditions.

Tax and MOT

Road tax, or VED (Vehicle Excise Duty), applies to motorhomes and campervans just as it does with cars.

The VED system has had several changes over the last decade. Costs will vary depending on the age of the vehicle, fuel type, and emissions. Additionally, a vehicle with an original list price over £40,000 will attract an additional £325 per year for five years.

VED rates were due to change from March 2020 to be in line with commercial vehicle rates. This would have been a very expensive change. Fortunately, this proposal has now been scrapped.

Try before you buy

I highly recommend hiring both a motorhome and a campervan to properly experience what will suit you. We did this on numerous holidays over several years and learned a lot.

How easy was it to drive? Did you sleep well? How was cooking a meal on a two-burner stove? What was it like to drive? What were the best and worst aspects?

Hiring first before you make a very expensive purchase may just save you from making a costly mistake.

You can hire campervans and motorhomes from commercial hire companies, or from private owners. Read about this in more detail in our Guide to Campervan Hire in the UK.

Should you buy a campervan or motorhome?

Now that you’ve gone through the major pros and cons of campervans and motorhomes, there’s a good chance that you know which way you’ll go.

Whether you choose a campervan or motorhome for your camping life, we hope that you’ll enjoy the freedom and flexibility as much as we do.

Categories
Camping

Campervan and Motorhome Insurance: Best Providers for 2020/21

Insurance for your campervan or motorhome is not as straightforward as car insurance. We compare the UK’s leading specialist leisure vehicle insurers, and what makes each of them different.

One of the key questions we had to consider when deciding whether we would invest in a campervan was how much it would cost to insure. 

How much more expensive would it be to insure a campervan compared to our standard family car? 

As it turned out, we were paying more for our standard family car insurance than we have ended up paying per year for our more valuable VW campervan. 

Why is this? Our campervan was considerably more expensive to buy than our previous family car and it has loads of really cool kit built in to it. Wouldn’t that lend it to being more expensive to insure?

Apparently not. The reason seems to be that because a campervan or motorhome is used as a leisure vehicle it falls into a lower risk category.

I can’t speak for all campervan and motorhome owners, but our campervan is like another member of the family and we are extremely careful with it. These vehicles aren’t built for speed, but for practicality and comfort.

Not many boy racers are going to invest the tens of thousands it costs to buy one.

This is all good news for insurance companies, and van owners too.

Campervan insurance: best price or best cover?

Every campervan owner’s particular requirements for insurance is going to differ.

For us, it isn’t just about the best price. Price comes into it but really we are looking for the best overall cover. 

How much risk a person is prepared to leave themselves open to is a purely personal choice. We are fairly risk averse and would rather be well covered rather than skimp on the details.

For the previous 12 months we have been insured with Comfort Insurance. We chose them as the cover seemed quite robust and it came in at a palatable £314.71. They were recommended by other campervan owners too which was reassuring.

Rats, squirrels, and other vermin

We did have a reason to claim on the insurance during this last 12 months which it turned out fell under an exclusion clause. That was a very unhappy and expensive discovery.

Our lovely VW California Ocean suffered damage to the wiring due to rats or squirrels having a good chew on some vital components. That damage cost us a lot unfortunately and it has left us mindful of policy exclusions so we don’t fall foul of coverage again.

Our vermin experience might never happen again, especially after we took extra measures to protect us, but it has left us with an appetite to shop around and find the best campervan insurance we can get in the UK.

We called the UK’s most popular campervan insurance providers to drill down and learn what their campervan insurance cover includes and what it will cost us to buy. Read on to see what we found out. 

How much is campervan insurance?

The table below compares eight of the most popular campervan insurance providers in the UK.

We asked for quotes based on a 2018 VW California Ocean.

Insurance CompanyPremium CostAccidental Damage ExcessUnderwriter
Comfort Insurance£297.09£200Aviva
LV£320.55£400LV
Lifesure£305.01£300AXA
Saga£328.99£300Acromas
Adrian Flux£386.81£550Markerstudy
AIB£352.10£200Aviva
Caravan & Motorhome Club£303.93£250AXA
NFU£442.48£250NFU

The criteria we provided for these quotes was:

  • VW California Ocean 2018 (199cc diesel engine)
  • Vehicle value – £55,000
  • 2 drivers, each with 20+ years driving experience
  • One low-value claim in the last 5 years (not related to this vehicle)
  • 9+ years no claims bonus
  • Social, Domestic and Pleasure use only (no commuting or business use)
  • 8,000 miles per year mileage
  • No tracker
  • Thatcham category 1 alarm
  • Includes no claims protection, where offered

These prices are specific to our quotation criteria but give you a guide of what you can expect to pay.

Campervan insurers in detail

So which insurer offers the best campervan insurance in the UK?

The answer will vary, depending on your own requirements.

Here we look in further detail at what each of the eight top campervan insurers offers in their campervan insurance policy wording.

Comfort Insurance

Excess: £200.

Internal accidental damage: Yes, as long as not caused by an electrical fault.

Personal belongings: £5,000 maximum. £400 per single item (no excess).

European travel: Nine months, max 180 days of consecutive travel.

Courtesy car: Seven days included as long as vehicle in for repairs. No replacement in the event of a total loss.

Death/Serious Injury: £15,000. 

Third party property, injury or death: Maximum of £20,000,000.

Legal cover: Yes, up to £100,000 included.

Vermin exclusion: Yes.

LV Campervan Insurance

Excess: £400

Internal accidental damage: Yes, but only up to £1,000 to include personal belongings.

Personal belongings: Up to £1,000. Cutlery and clothing are included. Very restrictive on what they will cover. No camping equipment cover or effects that could be covered under home insurance.

European travel: 180 days.

Courtesy car: No, can add this feature for £19.90 or £29.90 extra depending on vehicle size.

Death/Serious Injury: £10,000.

Third party property, injury or death: Maximum of £20,000,000.

Legal cover: Not included. £100,000 of cover costs £25.99 extra.

Vermin exclusion: Yes.

Lifesure Campervan Insurance

Excess: £300.

Internal accidental damage: Yes.

Personal belongings: £3,500 maximum. £25 excess to claim for tents and awnings – no maximum value set. Single item claims £500 max aside from this.

European travel: 270 days per year.

Courtesy car: Yes, subject to availability.

Death/Serious Injury: £15,000 / £10,000.

Third party property, injury or death: Maximum of £20,000,000.

Legal cover: Not included. Can be added for £28.00 extra.

Vermin exclusion: Yes.

Note that Lifesure are an insurance broker and add a £27.50 brokers fee to the price.

Saga Motorhome Insurance

Excess: £300 accidental damage / £100 fire and theft.

Internal accidental damage: Yes.

Personal belongings: £1,500 maximum. £1,500 tents and awnings. Camping equipment £500 maximum, £100 per single item.

European travel: 12 months.

Courtesy car: Yes, if in for repair.

Death/Serious Injury: £5,000 or increase to £50,000 for £13 extra.

Third party property, injury or death: Maximum of £20,000,000.

Legal cover: Not included. £100,000 cover £27.99 extra.

Vermin exclusion: No.

Adrian Flux Campervan Insurance

Excess: £550. Excess reimbursement to £1,000 per annum for £52 extra.

Internal accidental damage: Yes.

Personal belongings: £2,000, with no single item maximum. £1,000 awning and gas bottle cover.

European travel: 180 days total.

Courtesy car: After an accident, but not theft or write-off.

Death/Serious Injury: £2,000 death/serious injury, or increase to £22,000 for £17 extra.

Third party property, injury or death: Maximum of £20,000,000.

Legal cover: Includes up to £100,000.

Vermin exclusion: Yes.

All vehicles over £45,000 value must have a tracker fitted.

AIB Campervan Insurance

Excess: £200.

Internal accidental damage: Yes, up to the value of the personal belongings cover.

Personal belongings: Up to a maximum of £5,000. £400-£500 per one item.

European travel: 270 days total but maximum 180 days consecutive.

Courtesy car: No, but can add on for £35 extra.

Death/Serious Injury: £5,000.

Third party property, injury or death: Maximum of £20,000,000.

Legal cover: Yes, cover for up to £100,000 included.

Vermin exclusion: Yes.

The premium quoted in the above table has been discounted by 12%, for membership to various camping clubs. These include the VW California Club, Wild Camping, Camping & Caravan Club, and Caravan and Motorhome Club.

Caravan and Motorhome Club Insurance

Excess: £250

Internal accidental damage: No.

Personal belongings: £5,000 contents cover, £1,500 awning and toilet tent (£25 excess) and £500 per single item after that.

European travel: 12 months.

Courtesy car: Yes.

Death/Serious Injury: £15,000 / £10,000

Third party property, injury or death: Maximum of £20,000,000.

Legal cover: Up to £10,000 included, or can extend this to £100,000 for £29.99 extra.

Vermin exclusion: Yes.

Membership of the Caravan and Motorhome Club carries a 5% extra discount (not applied in the example above).

The Caravan and Motorhome Club state that they will offer new customers a quote £25 cheaper than any renewal policy – excluding additional legal cover.

NFU Campervan Insurance

Excess: £250 damage / £150 theft.

Internal accidental damage: Covered up to a maximum of the personal belongings cover.

Personal belongings: £250 included, can extend this to £1,000 for an extra £10.

European travel: Unlimited.

Courtesy car: Yes.

Death/Serious Injury: £15,000 / £5,000.

Third party property, injury or death: Maximum of £20,000,000.

Legal cover: Up to £100,000 included.

Vermin exclusion: Yes.

NFU offers Mutual Assist RAC Cover as standard with this policy. This can be upgraded to a higher level of cover for an additional fee should it be needed.

The included Mutual Assist cover gives you roadside assistance a quarter of a mile or more from your home, one hour of roadside assistance and recovery to a garage within 20 miles if the campervan is not repairable.

Exclusions – when campervan insurance might leave you out of pocket

With any insurance policy it is always prudent to read the small print. Looking at the price and your excess payment is not enough. 

Be aware of what the maximum cover is for personal belongings and injury and when you are not covered, even though you thought you might be.

Typical campervan insurance exclusions

  • You are responsible for the first part of the claim (the excess).
  • Loss or damage of your motorhome if it has been left unattended with the keys in the ignition.
  • Loss or damage resulting from any window, roof opening or removable roof panel being left open or unlocked.
  • Any loss or damage to your motorhome if it is being used for a purpose not described on your Certificate of Motor Insurance. 
  • Loss or damage arising from your motorhome being driven by someone other than the named driver(s) on the Certificate of Motor Insurance.
  • Damage arising from wear and tear.
  • Any consequence as a result of war or terrorism – except where cover must be provided under the Road Traffic Act.
  • Loss of vehicle value following a repair
  • Loss or damage to the motorhome caused by an Earthquake, riot or civil commotion outside of Great Britain, the Isle of Man or the Channel Islands.
  • Damage due to radioactive contamination, pollution, or contamination.
  • Loss or damage deliberately caused to your car by anyone insured under your policy.
  • Loss or damage to the motorhome caused by insects, pets, or vermin. Vermin and insects are defined as rats, mice, squirrels, owls, pigeons, foxes, bees, wasps, and hornets.

Related article: Campervan Security – The Ultimate Guide

Extra charges made by campervan insurance providers

Be aware that some insurers charge for amendments. For example you could expect to pay:

  • Policy cancellation – £40 (although there is usually a 14 day cooling-off period from date of purchase).
  • Change vehicle or driver – £15.
  • Incorrect information amendment – £15.

Typically the extra legal cover will set you back between £25-30 on top of your annual policy cost. Is this extra cost worth paying for?

In a nutshell, car insurance legal cover will pay for legal expenses you may incur in the event of an accident that wasn’t your fault.

This cover pays out for legal costs involved in for claiming compensation for losses you have suffered that aren’t covered by your insurance. These are referred to as uninsured losses.

Uninsured losses can include personal injury (to yourself or passengers), damage to your vehicle or possessions if you don’t have a comprehensive insurance policy, loss of earnings, and any insurance excess you’ve had to pay out.

It is important to understand that legal cover only covers solicitors fees and costs, typically up to £100,000, not the compensation payments for the losses.

Just as a side note, some insurers will only allow a claim to be made under their motor legal protection policy if there is a 50% chance or better likelihood of success of the recovery of those losses, so once again do read the small print and be aware of what you’re actually entitled to.

A nice perk is many of the legal cover policies offer access to a helpline which you can call for any legal issue, not necessarily motor-related. Check with your insurer if this is included.

Alternative protection from uninsured losses

What if you decide to pocket the £25-£30 extra fee for legal cover? Are you completely without protection?

This needs consideration, especially as it has been estimated that there are over one million uninsured drivers on our roads in the UK.

The good news is that in the UK there exists an organisation called the MIB. They are a non-profit organisation set up by motor insurers to protect motorists in the UK from financial losses resulting from an accident with an uninsured or untraced driver.

The Road Traffic Act 1988 requires that every insurer that underwrites compulsory motor Insurance must be a member of the MIB and must contribute to their funding. Every car insurance premium, therefore, contains a contribution to MIB.

Claiming under MIB

If you are hit by an uninsured driver, or an untraced driver you can claim through the MIB. There is no guarantee that they will refund your losses but they have a claims process any victim is entitled to apply to.

Without legal cover, however, you’ll be doing the MIB paperwork and follow-ups yourself unless you pay for a solicitor yourself.

The process they follow is:

  • establishing the facts
  • confirming the identity of those involved
  • obtaining independent reports from motor engineers or witnesses
  • obtaining a police report
  • contacting other bodies such as the DVLA, your insurer or a foreign bureau.

If there is a claim for personal injury they will need to see any copies of medical records from your GP and any hospital you attended after the accident or any other independent medical report.

They undertake to resolve claims within a three month time period.

If you would like to have more certainty about your protection, it’s best to fork out the £25-30  and take out the legal cover that campervan insurers offer. Belts and braces. 

Campervan and motorhome insurance FAQ

What are the different types of campervan insurance?

Campervan or motorhome insurance is similar in nature to car insurance but you do legally need specific campervan or motorhome insurance to cover your motorhome.

There are three types of cover you can buy – fully comprehensive, third-party fire and theft, and third-party only.

Fully comprehensive

A fully comprehensive policy covers you against accidental damage. These policies always cover for external damage and depending on the policy, internal damage. Also included is damage from fire (though not always from using your cooker), theft, and malicious damage (vandalism). It also covers you for damage or injury you cause to a third party.

Third-party fire and theft

With this type of policy, you lose the accidental damage cover and the malicious damage cover. You are still covered for fire and theft of your own vehicle and damage or injury to another person.

Third-party only

A third-party only insurance policy offers cover for damage or injury to a third party only. Not all insurers will offer this lesser level of insurance.

Given that motorhomes are usually high-value vehicles it makes the most sense to stick with fully comprehensive insurance. Repairs are often expensive and there is always a risk of accidents.

Will campervan insurance cover all models of campervan?

Yes, most insurers will cover all types of campervan. Factory-built camper vans tend to come in cheaper than conversions. 

There has also been an increase in the theft of Ford campervans meaning some insurers will not offer insurance for those makes or may charge a higher premium.

Campervan insurance – are your belongings covered?

The main differences between car and campervan or motorhome insurance is all the gear you have on board. Some of it removable, some of it fixed.

As this is motorhome and camping equipment and awnings are usually packed in the van for a trip you would want to find cover that will protect you for the loss or damage of all that kit.

Check your home contents insurance: portable items such as mobile phones, iPads, documents, jewellery and wallets are often included in that policy.

For this reason, campervan insurance will often not cover these items and will instead focus on the personal belongings which make this a campervan or motorhome.

Some insurers do not include tools and equipment and you may find that camping equipment falls under this category, so you have no cover for your kit at all.

It is definitely worth asking all the questions and understanding what exactly is covered.

Is your campervan insured inside and out?

It’s a yes and no answer to this question.

If you have fully comprehensive insurance, which you most likely will, then external damage to your vehicle or a third party is always covered. 

What is murkier though is whether internal damage is also covered. This comes down to the individual insurance policy and what they offer. We have explored the pros and cons cover of each of the eight insurers contacted by us in more detail above.

Internal damage, even if covered, often has exclusions or limitations. Always check the policy details carefully.

Can you travel to Europe on your campervan insurance?

Nearly all insurers extend their cover to Europe for several months of the year and in some cases, the whole 12 months of the policy period.

There is often a maximum consecutive number of days requirement, for example 180 days.

How do campervan insurers decide how much to pay out for a total loss?

The loss adjusters appointed by the campervan insurers will refer to the Glass’s Guide – which is a real-time guide of vehicle values used throughout the motor industry.

If your policy is for a new motorhome or campervan, many insurers will offer a new motorhome replacement clause to their policy for the first 24 months from the vehicle’s registration date.

This means you receive a brand new motorhome in the event of a total loss.

Conclusion – which campervan insurance will we buy?

I started this article feeling a bit anti-Comfort Insurance based on our rat/squirrel damage and Comfort’s vermin exclusion clause.

Having spoken to so many other insurers, however, I’ve come round to favouring them again. As I said at the start, our decision is not based on price alone – the overall cover has got to be good.

Comfort Insurance and AIB are both underwritten by Aviva yet the cover offered differs slightly and there is a big difference in the price of each policy.

Both Lifesure and the Caravan and Motorhome Club insurance are underwritten by AXA but their cover differs slightly with Lifesure offering internal damage cover but no legal cover and the CAMC offering the opposite. Both are similarly priced but Lifesure has an additional broker’s fee to pay.

In an ideal scenario, we would like:

  • Low policy premium price
  • Excess £300 or lower
  • Internal and external damage included
  • European travel included
  • Vermin/Pet/Insect damage included
  • Legal cover included

This is asking a lot, I appreciate. If you look through the details of what the various insurers offer though you can see Comfort Insurance ticks the boxes on five out of six of these points. 

We can concede the 6th point as we have taken measures to prevent us from being attacked again.

Coming in second would be Saga. They do have a requirement that one of the named drivers has to be over 50, but we meet that criteria.

They also offer five out of the six ideal scenario points, they don’t include legal cover which is what has swung it for us. Adding the extra amount the Saga policy costs on top of the extra legal cover, in total we are looking at an additional £59.89 over going with Comfort Insurance.

Conclusion – It’ll be a renewal with Comfort Insurance for us!

Related article: Excess Insurance for Campervan Hire

Categories
Camping

Rent Out Your Campervan: How to Make Money From Van Hire

A campervan is a significant financial investment. To rent out your campervan when you aren’t using it is a way of recouping some of the costs. But is it a good idea?

An oft-quoted statistic says that on average campervan and motorhome owners only use their leisure vehicles four times a year.

How accurate this figure is, is anyone’s guess. I know in our case, we use our campervan as our daily ride so it doesn’t sit there idle on the drive when not on overnight trips away.

Until recently I hadn’t thought about renting out our campervan when we aren’t using it and benefitting from a useful additional income stream. It’s a topic which has been coming up more and more lately, most likely due to the increase in staycationing over going on holiday overseas.

We have a second car, so are we missing a trick here? Should we be thinking about arranging to rent out our campervan and recouping some of the costs it brings?

What are the benefits? What are the pitfalls?

Read on to find out whether renting out your motorhome or campervan is for you.

How do I rent out my motorhome or campervan?

There are a couple of ways to do this.

DIY approach

Put on your marketing hat and promote your van yourself. For example:

  • Take some pictures and share them on your social media profiles, letting people you know that your campervan or motorhome is for hire. 
  • Create a website around the hire. It’s quite a lot of work and expense though. How will you get eyes on it?
  • Pay for advertising in a local publication or website.

The self-managed approach to rent out your campervan is labour intensive but could be relatively cheap.

Peer-to-peer rental platform

An easier approach to rent out your campervan is to use a specialist peer-to-peer website.

The new breed of peer-to-peer sharing platforms such as example Airbnb and FatLlama allow owners to share their assets for a rental fee. Both these sites have spotted a huge gap in the market for owners and hirers to find each other.

Not a surprise then that this private asset renting concept has come to the world of leisure vehicles. Yes, there are now a number of rental platform for campervans, caravans and motorhomes serving the UK.

Campervan and motorhome peer-to-peer rental platforms

There are a few strong players in the private campervan hire space right now so we’ve checked out each one to discover what money we could potentially make and how much risk we carry as campervan owners.

The case for using one of these platforms is strong. They are well established, have a presence in several countries and have large audiences to market your vehicle to.

The process is quick and easy allowing the campervan or motorhome owner to list their van and any additional hire equipment either for a nominal fee or a revenue share. Each platform treats this process slightly differently.

It’s a comfort too to have someone act  as a mediator between vehicle owner and the hirer and they will usually take care of the payment process and hold the security deposit.

Here are the most established and trusted providers on the market right now. This table demonstrates what you can expect to pay for and earn using these services:

Private campervan rental websites

PlatformCosts to Vehicle Owner
YescapaService fee: 15% of hire charge. 
Yescapa adds 15% to the price you set for your vehicle so you come away with what you feel your van is worth per night. The additional 15% is taken as a service fee.
CamplifyService fee: 8% (+VAT) of hire charge. 
This is a straight revenue share. You get 92% (less VAT) of the booking revenue.
CamptooService fee: 15% of hire charge. 
Camptoo adds 15% to the price you set for your vehicle so you come away with what you feel your van is worth per night. The additional 15% is taken as a service fee.
GoboonyService fee: 15% of hire charge. 
Goboony adds 15% to the price you set for your vehicle so you come away with what you feel your van is worth per night. The additional 15% is taken as a service fee.
Quirky CampersService fee: 18% (+VAT) of hire charge.
This is a straight revenue share. You get 82% (less VAT) of the booking revenue.
Details are a guide only. Figures correct at the date of publication.

Other websites

There are a few other campervan and motorhome private hire websites available for UK audiences, but we have included only sites we would consider using ourselves.

During our research, we discovered some sites that obscure their service fees or do not supply clear contact details. These have not been included.

Private hire platform fees

Publishing, marketing, customer service, and insurance does not come for free. It is a fair deal, therefore, that these private hire platforms add on service fees or take a percentage of the per-night rental fee to cover their running costs.

The benefits of using one of these services outweighs the costs in our opinion.

Listing your van

As a campervan owner, each platform will require you to provide a range of documentation to be allowed to list. This can include:

  • V5 Certificate to prove ownership of the campervan or motorhome.
  • Proof of insurance – even if you are using day insurance through the website.
  • Latest MOT certificate.
  • Insurance and MOT expiry dates – the platform keeps these stored and makes sure you keep the info updated.
  • Personal identification documents.
  • Bank details for receipt of payment of hire revenue.

It would also be prudent to have a gas and electricity safety inspection and a habitation check.

You’ll also need some cracking photos to showcase all the selling points of why someone would want to hire your campervan or motorhome.

The various hire platforms all have a similar process for vetting hirers. For the recommended platforms, all checks are made in advance of the hire and the hirers have provided all the necessary documentation to adhere to the insurance specifications.

How much money could I make renting out my campervan or motorhome?

There is no clear answer to how much money you can earn because it depends on a range of factors:

  • The age of the vehicle.
  • The spec of the vehicle.
  • How many seatbelted positions it has.
  • How many sleeping berths it has.
  • Time of year, you can ask for more during peak seasons.
  • Where it is located – are you based near to airports/train stations, major road networks?
  • How many weeks per year you can rent it out.
For example, a VW conversion campervan, 5 years old, four-berths.
A typical listing suggests a range of £95 to £120 per night.
Multiply that by 7 for a one-week hire = £665 to £840 per week.

Nice. Just a one week hire would cover a lot of annual costs. That said, we’ve yet to cover what could be the biggest stumbling block – insurance. Just what risks am I taking to hire out my campervan?

Campervan and motorhome hire insurance – the options

If you rent out your vehicle commercially (as in you receive money in exchange for loaning the vehicle) it is a legal requirement that you have adequate insurance to cover both parties in the event of injury or damage.

Most domestic insurance policies do not cover commercial rentals or even non-commercial loans to a third party. To be properly covered you’ll need one of two types of insurance:

Either

  • A specific annual policy which allows for commercial hirers called “Self Drive Hire” insurance, or
  • Short term motorhome insurance which is known as “Day Insurance”, which is a pay per trip, per day insurance policy.

Self Drive Hire insurance

This annual policy will cost you considerably more than your standard motorhome or campervan insurance policy but does allow for unlimited commercial hires over the year.

If, as the van owner, you have an annual Self Drive Hire policy, you could easily build in an additional few pounds per night into your nightly hire rate to absorb some of the extra cost you have incurred.

Self Drive Hire policies are not very common but there are a small number of specialist brokers who deal with it. Two firms we have spoken with are Alan Boswell Independent Insurance Brokers and Gallagher

Some brokers will require you to have 12 months hiring experience before they will offer you an annual policy, so you may have to go the Day Insurance route for the first year before you can pursue this option.

If you plan to hire your vehicle out for many weeks of a year, having a Self Drive Hire policy to insure your campervan or motorhome, may work out to be the most cost-effective way to get covered.

What is the average cost of self drive hire insurance?  

This wholly depends on the value of your vehicle. Alan Boswell advise for example:

Value of VehicleAnnual CostExcess
Up to £35,000£1,400£500
£35,000 – £45,000£1,650£750
£45,000+£1,900£1,250
Details are a guide only. Figures correct at the date of publication.

Self drive hire insurance – policy wording

Typical terms you can find in your Self Drive Hire policy can include:

  • Fully comprehensive cover.
  • Includes drivers aged 25-79.
  • No Hidden Costs – Unlimited hires, Unlimited mileage.
  • Cover included for theft by hirer and cooking and heating risks (subject to 25% owner co-insurance).
  • Free comprehensive cover for own use of vehicles.
  • EU cover included.

Policy requirements include:

  • Category S5 Tracker may be required for vehicles over £50,000 in value.
  • £1000 excess (although this rises according to the value of the vehicle). 

Exclusions – read the small print!

The above example has several exclusions which may be a cause for concern:

  • A 25% co-insurance clause for theft or damage resulting in the use of the cooker. In other words, you will not be covered for a quarter of the loss if the hirer’s Full English fry-up gets out of control and destroys your van.
  • You are liable for 100% of the theft if the keys have been left in the ignition.
  • If a hirer pays you in cash for the hire, this invalidates the insurance. You must have a traceable payment by card or electronic transfer.

As the van owner, the liability for any damage or theft falls entirely on you.

Campervan and Motorhome Day Insurance

Day Insurance is the type of insurance you’ll most commonly see used on the private campervan rental websites.

It is insurance which covers the hirer per day for the length of a trip.

People use Day Insurance for all kinds of reasons, including teaching someone to drive in their car, borrowing a van to move something big, or loaning a vehicle to friends or family visiting from overseas.

You purchase extra cover through Day Insurance to insure your vehicle for each specified day you are allowing someone else to drive it.

How to take out Day Insurance

Unlike Self Drive Hire insurance, Day Insurance can be purchased directly by anyone.

For ease, many of the campervan rental websites have negotiated a Day Insurance arrangement directly with Allianz (the only insurer that seems to deal directly with the platforms) or they guide you to providers such as Dayinsure, Tempcover, or Sky Insurance.

One benefit of buying through a platform is they have more control over the claims process if they have a bespoke arrangement with a day insurer. Less hassle for you should a claim arise.

Day Insurance driver conditions

Like with any insurance, there are criteria a hirer must adhere to, to qualify.

These requirements are typically:

  • The driver must be between 25-69 years old
  • Have at least 2 years of driving experience
  • No more than 6 points on their license

A booking using Day Insurance can need a 5-day booking window to ensure all the necessary documents are in place before the hire. A Self Drive Hire policy has a little more flexibility.

If a hirer does not meet these requirements, cover may still be offered but the per price per day would increase.

What does Day Insurance cost for campervan hire?

PlatformGuide costWho pays?
Yescapa£24/dayThe hirer
Camptoo£21.28Vehicle owner
Camplify£7/£11/£17/day + 12% IPT (depends on vehicle value)Vehicle owner
Goboony£20The hirer
Prices are a guide only and are subject to change

Security Deposit

Typically the security deposit is set at £1,000 and the campervan rental platform will take an imprint of this amount on the hirer’s credit card and the start of the hire.

£1,000 is a hefty liability to carry so the hirer can also take out an excess reduction policy to bring this liability down to £500. 

Match deposit to excess

It is advisable for the vehicle owner to set the security deposit to the excess amount stated by the insurer to ensure they are not personally out of pocket in the event of an accident.

The majority of the hire platforms look after the security deposit and give the campervan or motorhome owner the opportunity to block the return of the money to the hirer in the event of discovering damage. 

Dispute resolution

If you do decide to list your campervan for hire with one of these platforms, make sure you ask the question to understand what role they will play in resolving disputes and what your claim window will be.

Who pays the hire insurance?

Who pays the insurance is an interesting topic. There is some argument that if the hirer pays for the insurance then they take more care of the vehicle.

On the other hand, if the hirer pays it could mean you have to charge less per night for your vehicle to make the cost to the hirer viable. Perhaps it doesn’t matter who pays as it all evens itself out in the end.

As well as insurance, there are other considerations to take into account when you decide whether to rent out your campervan such as what you include in the van hire price.

Breakdown cover

Hiring out your van comes with responsibilities to your hirer. You do need to have breakdown cover with the RAC or similar to protect your vehicle and the campervan renters.

Imagine your van conks out in the middle of nowhere, far from your address, you are going to need to think about how to get it home again and back on the road.

What about the people who have hired your vehicle? With their transport and accommodation out of commission, they are truly stuck.

Breakdown cover features

Breakdown cover will allow for a broken-down vehicle to be towed to a garage of your choice or the nearest one to where the breakdown has occurred.

It will outline exactly how they will assist if a breakdown happens for example how they look after the renters. This may involve a per night amount paid out to look after the renters of the vehicle to ensure they can arrive at another destination and or accommodation paid for for a few nights until matters are resolved.

The majority of the platforms will include breakdown cover with any Day Insurance they sell you. Be sure to ask what the process is in the event of a breakdown.

Often, only one tow is included, so think carefully about where you would like the vehicle to be taken to. Some policies may charge one or other party for the cost of the tow depending on why the breakdown has occurred. 

This could be as much as £200 paid for either by the campervan owner if it is deemed the vehicle hasn’t been properly maintained or by the hirer if it is deemed the breakdown has happened through misuse.

It may be worth supplying your own breakdown cover if it offers more protection overall than the one supplied by the rental platform. Definitely worth checking what is and isn’t included and if any extra costs are likely in the event of a breakdown.

What should you supply with your campervan?

Most campervan and motorhome owners have a large collection of additional equipment they use alongside their vehicle.

It is entirely up to you whether you would want to loan these items out to hirers. The positives are that you can charge extra for additional equipment and they may enjoy your van better with all the right kit.

These can be charged for on a per night or a whole trip basis per item.

Chargeable equipment examples

  • Drive away awning/tent/annex
  • Bike rack
  • Bikes
  • Scooters
  • Projector or other tech
  • Table and chairs
  • Bedding/Towels
  • Inflatable beds/furniture

Other services

Other services you may wish to charge extra for are:

  • Collection/Delivery to train station or airport
  • Per hour charge on top of agreed rental
  • Mileage over an agreed amount

Non-chargeable equipment

Most hirers would expect kitchen equipment such as pots, pans, plates, utensils and cutlery and a full gas bottle to be included with the campervan or motorhome hire.

For a belts-and-braces approach, a first aid kit, fire extinguisher, and a carbon monoxide alarm should also be supplied. 

European vehicle requirements

If you are allowing your vehicle to be driven to mainland Europe, it is a legal requirement that the vehicle should contain items such as a fluorescent jacket, a warning triangle and 2 breathalyser kits.

Consumables

Some van owners like to go the extra mile and leave the hirers a small number of consumables like tea, coffee, sugar, milk and a few cleaning supplies.

Parking

Hirers will probably arrive at the rental location in their own vehicle so it would be desirable for them to leave their vehicle parked at the collection point.

If this is not something you can offer, it is definitely worth pointing this out up-front so they can make other arrangements.

Campervan hire demand

Right now in 2020, campervan and motorhome hire has never been more in demand. One platform informed me their business has increased 250-300% on the same period from the previous year.

Another platform told me they don’t have enough vehicles to meet the current demand, and it’s well past high summer.

Campervans and motorhomes have already been booked for next summer in readiness for the expected summer uplift.

Thanks to the Covid-19 crisis, staycations have become the top choice for holidaymakers with thousands cancelling their overseas trips in favour of staying closer to home.

Camping, campervanning, or caravanning is a more affordable holiday than a self-catering property or a hotel, adding to its popularity. This is true particularly in times of recession making it an appealing option to those who just want to get away for a few nights.

If you have read this article and would like to explore the idea further, the common message from all the platforms is there is high demand and not enough campervan supply so if you are looking to make money from your campervan or motorhome, there has never been a better time.

To hire or not to hire? Are we going to do it?

We’ve done all the research into Self Drive Hire insurance policies, what the platforms cost to market our vehicle, and what our earnings could be and our decision is – drumroll please – no, we are not going to rent out our campervan.

Our VW California Ocean falls into the top pricing bracket for insurance so it will be an expensive endeavour for us to get the necessary cover.

The idea of a potential £750 week in hire revenue is definitely appealing. But when assessing the risk and hassle of accidental damage or theft, how upset and inconvenienced we would be, and how much the insurance would cost, the answer for us at this time with the campervan we own is a definite no. It simply doesn’t add up for us.

Perhaps if we owned a less valuable campervan or motorhome and we didn’t have such an emotional attachment to it, this could be a good side business to earn a secondary income.

If that is your situation then go for it. There has never been more demand and there is money out there to be made.

Categories
Camping

Excess Insurance for Campervan Hire: The Complete Guide

About to rent a campervan or motorhome? Taking out an excess insurance policy for your campervan hire may just save you a nasty financial shock.

You’re dreaming of getting away from it all, hitting the road, getting out in the countryside. Who can blame you? There is something really invigorating about being out in the fresh air, surrounded by green space and wildlife.

As much as it is preferable to focus on the itinerary of your upcoming trip, other necessities must also be considered before you hit the road.

Let’s face it, the topic of campervan rental excess insurance is likely to be met with a groan. Granted, it’s not exciting but neither is a damage bill in your name for £1,000 or more. That’s likely to be met with an even bigger groan.

All campervan and motorhome hire must come with a level of insurance, but what that cover includes will vary.

What you can do as a campervan hirer is make sure you are fully covered, belts and braces, before you sign your rental agreement.

What is campervan rental excess insurance?

Excess insurance is an insurance policy that you can take out on top of the insurance policy that is part of your campervan hire. It pays for some or all of the insurance excess in the event of a claim.

Excess insurance on a campervan or motorhome hire reduces your personal financial liability from whatever the agreed security deposit amount is (often £1,000) to as little as £150, depending on the provider

Jargon note: excess insurance can be known by different names, including Collision Damage Waiver (CDW) and liability insurance.

Standard motorhome hire insurance

It would be nice to have one policy that takes care of all the risk, but sadly that’s not how it works.

Whether you are hiring a campervan or motorhome from a commercial hire firm or renting from a private owner, having adequate insurance in place is essential.

Insurers gauge the risks of hire and clearly outline what they are and aren’t prepared to cover, based on the perceived risk profile.

The risk of damage to a hire vehicle is greater than one you own. Accidental damage can occur as a result of a lack of familiarity with the dimensions and handling of a vehicle on and off the road.

Outside of driver-caused damage are vandalism, theft, and lack of care from other drivers. Unfortunately, these are circumstances largely out of your control.

Campervan hire insurance exclusions

Certain kinds of damage or expense are often excluded from standard vehicle hire insurance policies. This is because they are particularly vulnerable to damage or loss. These can include:

  • Windscreen
  • Tyres
  • Roof
  • Underbody
  • Internal damage
  • Misfuelling
  • Loss of keys

Excess insurance will cover you up to the agreed security deposit amount on your rental agreement. The campervan hire insurance policy provided with the hire will cover any additional cost over that amount, subject to any exclusions.

Why buy campervan rental excess insurance?

The main benefit in choosing to purchase campervan rental insurance is to reduce your personal financial risk should the worst happen.

As previously mentioned, it might not be as a result of you the hirer that damage occurs. Just as often, vehicle damage occurs via a third party.

From a liability perspective, the buck stops with you, the hirer.

Insurance excess amounts are commonly set at £1,000 to £2,000 for hiring a campervan or motorhome; they are expensive and luxury vehicles.

Damage repairs to these specialist vehicles can be very costly. Suddenly, the cost of your holiday just doubled.

By factoring in a small extra ‘security’ amount to your hire, you can reduce this liability to as little as £150 depending on the provider. £150 is much easier to swallow than £1,000 for sure.

You’ll need to buy an excess reduction policy specifically tailored to campervans or motorhomes. This is because motorhome hire carries a different risk profile than standard car hire.

Campervan rental excess insurance providers

The following table lists the leading providers of campervan excess reduction insurance policies in the UK.

We’ve included guide prices are and the reduced excess amounts. The criteria we selected for the premium quotations were:

  • Drivers – 2
  • Region – UK/Europe
  • Vehicle – Motorhome/campervan
  • Length of trip – 7 days

Motorhome hire excess insurance premiums

Excess InsurerPremium CostPolicy Excess
iCarHireInsurance*£72.98£0
RAC*£72.98£0
Questor Insurance£56.92£350
RentalCover£106.56 (motorhome)
£91.33 (campervan)
£0
WorldWide Insurance£63.00£350
InsureCarHire£11.64£500
* iCarHireInsurance and RAC motorhome and campervan excess cover is provided by Halo Insurance. Campervan and Motorhome cover is offered as an upgrade to the annual policy for car hire excess. For close to the cost of a one-off hire policy you can get annual multi-trip and standard car hire within Europe included, making these policies great value.

Some of the private campervan rental websites or motorhome hire companies will have excess reduction policies as an added option to purchase when you sign your rental agreement.

Ask for the details of their policy and compare with one of the market leaders in the above table. How does the cover compare? Is the pricing competitive?

What is covered under a campervan rental excess insurance policy?

The following points are common in these types of policies. Always familiarise yourself with the small print to know exactly what you are and are not covered for.

Typical coverage features

  • Cover up to £2,500 to cover the security deposit amount on the rental agreement
  • Includes cover for windscreens, tyres, roof and underbody damage.
  • Loss of use
  • Towing fees
  • Vehicles up to £75,000 in value
  • Hire agreements up to 45 days in length
  • Loss of keys
  • Misfuelling
  • Covers vehicles with a maximum of 9 seats

Common exclusions

  • Not valid if a hire has already commenced
  • The first £350 of a claim (the excess on this policy – although £0 excess policies are available)
  • Interior damage
  • Third party death, injury or property damage
  • Off road trails or safari
  • Breaches of the rental agreement

Eligibility

To be eligible to take out campervan rental excess insurance cover in the UK, you typically have to meet the following criteria:

  • Between 21-84 years of age.
  • Hold a valid driving licence for the country in which you are travelling.
  • A resident of the UK or an EEA country at the time of policy purchase.

Should you take out excess insurance for campervan hire?

At the end of the day, campervan hire excess insurance offers you, as a hirer, peace of mind. If something unexpected and costly happens, you’re covered.

It is yet another expense to add to your trip budget but it is often worth having for your trip so the unforeseen doesn’t spoil what should be a fantastic holiday.

Further reading:
Private Campervan Hire (How to Rent Someone Else’s Campervan)

Categories
Camping

Is a Campervan a Good Investment?

Thinking of buying a campervan? Maybe you’ve rented or borrowed one and loved the experience. The big question you are facing – is a campervan a good investment?

Campervans are not cheap. Whether you buy a factory built campervan, convert a base van, or buy a ready-made conversion, it is a serious purchase.

We look at the factors which convinced us to buy one. Hopefully, our experience will be useful for you to decide whether you should take the plunge and invest in your own campervan.

Should you buy a campervan?

Owning a campervan was always a dream of ours. Some people strive to own a holiday home or a boat, but for us, it was a campervan.

It represented the freedom to travel anywhere and claim all the benefits of camping with extra comforts.

It wasn’t a decision we took lightly and we had to wait for the right time to buy.

The right time for us would have been anytime – subject to affordability. We weren’t worried about the kids’ ages or holiday opportunities. We were limited by where we could keep it.

Our home at the time had no off-street parking, just local street parking and even though we lived in a relatively decent area, cars on the street were occasionally vandalised and damaged.

We would much rather keep such a precious asset on our own property if we could, so we waited and rented vehicles to refine our search for the ultimate campervan.

Eventually, we moved house. Not just for the lack of drive but it was definitely on the checklist for the new home.

Not long after securing our lovely new home, with a drive, we took the plunge and got ourselves our lovely campervan.

Our family car at the time was a Volvo XC90 and was coming up to 10 years old. We agonised over the decision, could we trade in our daily ride for a campervan? Could it fulfil all the same functions? Would buying a campervan be a good investment?

The short answer is yes. Yes it can, and more.

Is a campervan a good day to day car?

Our campervan is a 2018 VW California Ocean and it’s an absolute beauty.

Buying a factory built VW California is’t the cheapest way of owning a campervan but after a lot of research it just made sense for our family and we have never regretted it.

Whether our campervan was a good investment was going to depend on our likely day-to-day use, so practicalities were definitely important.

Size: VW California Ocean Vs Volvo XC90

The VW California Ocean is built on a Caravelle chassis, which means the campervan’s external measurements are similar to that of a standard estate car. In fact it’s not as long or wide as the Volvo XC90. This makes day to day driving extremely practical.

VW CaliforniaVolvo XC90
Length49044953
Width (mirrors in)19042008
Height19901776

Valuation: VW California depreciation

Depreciation was a big topic for us. Purchasing a VW California is an expensive purchase.

We were disappointed by the trade-in value of the Volvo XC90. It was a good car, no damage, low mileage but only carried £1,000 more part-exchange value than our 10-year-old VW Golf. 

Needless to say, the cost difference between the two when first purchased was considerably more than £1,000!

We didn’t want to have a fast depreciating vehicle again as it seemed such a waste of money.

Imagine our glee when we discovered that the VW California Ocean is the slowest depreciating mainstream vehicle on the market.

From a purely financial perspective, our VW California campervan is likely to retain its value better than other cars and is, therefore, a good investment.

Using a campervan for day trips

We didn’t want to get a campervan and feel that we had to take every holiday in it. It would be our daily ride but have the added benefit of being able to tour and sleep in it when we fancied it.

We have used our campervan more as a day van than anything else. On the weekends and in the holidays, we’ll load her up with food, bikes and games and take off for the day.

As the VW California is similar in size to a standard family car, we can park it anywhere we would any other vehicle. It will fit any standard parking bay.

Our café on wheels

With the cooking facilities onboard, we can whip up a delicious alfresco lunch, have a lovely cup of tea and a biscuit and enjoy the surroundings of where we’ve ended up. If one of the kids fancies a nap, we can pop the top and an instant bed is available.

More often than that though, we’ll all sit round the inside table together, having spun the drivers and passengers seats around and enjoy having lunch and a game of cards.

If the weather is nice and there is space next to us, we can put out the sun canopy and bring out the outdoor table and chairs and enjoy sitting out in the sunshine.

Similarly if the weather is chilly, we are kept toasty warm by the on board diesel heater. Bliss.

Campervan seating positions

One thing to bear in mind particularly with the VW California Ocean is that the vehicle is made with four seatbelted positions. 

It is possible to add a temporary, removable 5th seat but this does have limitations and affects the flexibility of what you can do in the van when parked up.

It does mean we are fine as a family of four, but should we need to offer someone a lft, we can’t or we go in two cars.

The number of times this has been necessary has been very few so actually it hasn’t been a huge problem for us.

Carrying bikes on your campervan

We’ve had varying success in the past being able to transport bikes on our car. It’s always seemed fiddly and hard work..

The bike carriers recommended for the VW California and other T5/T6 VW vans are easy to use and very secure. It has meant we don’t shy away from trips out with the bikes. It definitely used to fall in the too hard basket.

Admittedly this isn’t a reason to buy a campervan, we could have purchased a better bike carrying rack for our hatchbacks but it’s certainly a little perk of campervan ownership

Overnight stays with friends and family

We hadn’t considered how useful the VW California would be for us when staying with family and friends.

As a family of four it can sometimes be a squeeze and an imposition to stay in someone else’s home.

Having the campervan means we can stay overnight at any of our friends or families’ homes with a drive.

It’s a familiar and predictable environment for the kids and they just love it.

Going on holiday in your campervan

This is a rather obvious point, so it’s left for last. Camping in the van does make for an affordable holiday. 

During peak times, self catering accommodation in popular tourist destinations can be £1500-£2000 per week for a family of four. 

Staying in the van on a good campsite has cost us a quarter of that cost for a week and you get a guaranteed comfy bed, and literally your home from home.

A good investment or not?

So is buying a campervan a good investment? It’s a solid yes from us.

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