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You've done it! After weeks or even months of searching, you've found the perfect motorhome that fits your needs, and you are ready to make the purchase. How exciting! But before you hit the road, it's important to remember that beyond the initial cost of buying your motorhome, there are additional expenses you'll need to budget for.

Motorhome ownership costs:
Tax

How Much Does Road Tax Cost for a Motorhome?
 

The cost of motorhome road tax depends on factors such as emissions, vehicle weight, and registration date. Below is a breakdown of key categories:


Euro 4 Motorhomes

Motorhomes that meet Euro 4 standards and were registered between 1st March 2003 and 31st December 2006 benefit from a reduced tax rate. To qualify, the vehicle must weigh less than 3,500kg. The annual road tax for these vehicles is approximately £140. 


Euro 5 Motorhomes

Motorhomes that are compliant with Euro 5 emissions standards and registered between 1st January 2009 and 31st December 2010 also qualify for a lower tax rate. The annual cost for vehicles under 3,500kg is £140.


Older Motorhomes

For motorhomes registered after 1st March 2001:

  • Vehicles with engine sizes up to 1549cc: £180 annually.

  • Vehicles with engines over 1549cc: £295 annually.

For motorhomes registered before 1st March 2001:

  • Engine size under 1549cc: £180 annually.

  • Engine size over 1549cc: £295 annually.


Motorhomes Under 3,500kg (TC11)

Motorhomes weighing 3,500kg or less fall under the Private Light Goods (PLG) category. The annual road tax depends on engine size:

  • Engine size under 1549cc: £210.

  • Engine size over 1549cc: £345.


Motorhomes Over 3,500kg (TC10)

Motorhomes weighing over 3,500kg are taxed under the Private Heavy Goods Vehicle (PHGV) category. Tax rates vary depending on weight and emissions:

  • 3,500kg to 7,500kg: £165 annually.

  • 7,500kg to 11,999kg: £200 annually.

  • 12,000kg and above: £189.50 (Euro VI compliant) or £221 (Euro V compliant).


Considerations for Larger Motorhomes

Heavier motorhomes often come with larger engines, which may consume more fuel but offer greater power for extended journeys. While this can improve performance, it may also increase running costs.

Remember to factor in these tax rates alongside other ownership expenses when budgeting for your motorhome.

Motorhome ownership costs: Insurance

​Motorhome Insurance: What You Need to Know
 

Once you've purchased your motorhome or camper van, one of the first steps is arranging insurance. Insurance is a legal requirement in the UK, so you must have it before driving. The right Cover protects your vehicle and gives you peace of mind, letting you enjoy the road without unnecessary worry.
 

Types of Motorhome Insurance

  1. Comprehensive Cover

  • This is the most complete level of insurance available. It provides coverage for:

  • Repairs to your motorhome following an accident (regardless of fault).

  • Damage to other vehicles and property.

  • Fire damage to your motorhome.

  • Theft or damage caused by break-ins.

  • Protection for personal belongings inside the motorhome, such as electronics, camping gear, and bikes.

  • It also includes coverage for injuries to you, your passengers, other drivers, their passengers, and pedestrians.

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   2.  Third Party, Fire & Theft

  • This type of insurance includes:

  • Cover for injuries to others and damage to their property.

  • Protection if your motorhome is stolen or damaged by fire.

  • However, it doesn't cover damage to your vehicle in the event of an accident.


How Much Does Motorhome Insurance Cost?

The cost of motorhome insurance depends on factors such as the size and value of your motorhome, your age, yourdriving history, and how you plan to use the vehicle (e.g., occasional holidays or full-time living).

On average, annual motorhome insurance premiums in the UK range from £250 to £500 for smaller campervans and £500 to £1,000+ for larger, more luxurious motorhomes. Adding features such as breakdown cover, European travel insurance, or agreed-value policies may increase costs but provide added security and convenience.


Tips for Saving on Insurance

  • Install security features like alarms or tracking devices.

  • Store your motorhome in a secure location when not in use.

  • Limit mileage if you don't plan to drive extensively.

  • Build a no-claims discount by driving safely.

Motorhome ownership costs: Breakdown Cover

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Breakdown Cover for Motorhomes in the UK and Europe


Having the right breakdown cover is essential for motorhome owners, offering peace of mind and support in case of unexpected issues while on the road. Here's an overview of what to consider when arranging breakdown cover in the UK and Europe:
 

UK Breakdown Cover

In the UK, a breakdown cover ensures you receive assistance if your motorhome breaks down while travelling. Typical features of a UK policy include:

  • Roadside Assistance: Help at the location of the breakdown, such as repairs or towing to the nearest garage if the issue can't be resolved on the spot.

  • Recovery: Transport your motorhome, you, and your passengers to a specified destination if it can't be repaired.

  • Home-Start: Assistance if your motorhome won't start at home.

  • Onward Travel: Options like a replacement vehicle, accommodation, or alternative transport if a breakdown disrupts your journey.

It's essential to confirm that the policy covers large vehicles like motorhomes, as some standard breakdown services may have restrictions on size or weight.
 

European Breakdown Cover

Additional European breakdown cover is highly recommended if you plan to travel abroad with your motorhome. This type of Cover extends support across most European countries, providing vital assistance if something goes wrong while travelling overseas. Key features of European breakdown cover include:

  • Cross-Border Assistance: Help if you break down in any covered country.

  • Repatriation: Arrangements to bring your motorhome back to the UK if it can't be repaired while abroad.

  • Local Garage Support: Access to mechanics and garages that can repair your motorhome, often with translation assistance if language is a barrier.

  • Accommodation Costs: Coverage for temporary accommodation while your vehicle is being repaired.

  • Replacement Vehicle Options: Providing a hire vehicle to keep your trip going.
     

Choosing the Right Policy

When selecting a breakdown cover policy, check for the following:

  • Vehicle Size Limits: Ensure the provider can accommodate the size and weight of your motorhome.

  • Trip Length and Frequency: Some policies are designed for short-term trips, while others are tailored for year-round travel.

  • European Coverage: Confirm that all the countries you plan to visit are included in the policy.

A comprehensive breakdown cover policy ensures that whether you're exploring the UK or venturing further into Europe, you'll have the support you need to handle any unexpected hiccups.

Motorhome ownership costs: Maintenance 

Yearly Maintenance Costs for Your Motorhome


Owning a motorhome comes with essential yearly maintenance to ensure it remains roadworthy, safe, and comfortable for your travels. These costs are an important part of budgeting for motorhome ownership. Here’s an overview of the key annual expenses:
 

MOT (Ministry of Transport Test)

If your motorhome is over three years old, it must pass an MOT test yearly to ensure it meets road safety and environmental standards. The cost of an MOT varies, but for a motorhome, it is generally between £40 and £60. If your vehicle requires repairs to pass the test, you must factor in those additional costs.
 

Vehicle Servicing

Regular servicing is crucial to keep your motorhome's engine and mechanical components in good working condition. Depending on how often and far you travel, servicing may be required annually or after a specific mileage. A basic service may cost between £150 and £300, while a full service can range from £300 to £500 or more, depending on the size and complexity of the motorhome. Keeping on top of servicing helps prevent more costly issues in the long run.
 

Annual Habitation Check

The habitation check is specific to motorhomes and campervans, ensuring that the living area is safe and fully functional. This inspection covers gas and electrical systems, water systems, heating, and ventilation and checks for damp and structural integrity. It is recommended annually and typically costs between £150 and £250. A habitation check is essential for maintaining warranties and ensuring your motorhome remains safe and comfortable.
 

Additional Maintenance Costs

In addition to the above, there may be other maintenance costs to consider, including:

  • Tyre Replacement: Motorhome tyres wear out over time and may need replacing every few years, costing around £100 to £200 per tyre.

  • Battery Maintenance: Replacing leisure or vehicle batteries if they lose efficiency.

  • General Repairs: Addressing wear and tear or fixing issues with appliances, seals, or bodywork.

By planning for these annual costs and maintaining your motorhome regularly, you can ensure it remains in excellent condition, giving you peace of mind and prolonging the life of your investment.

Motorhome ownership costs: Storage 

Basic Storage Options

Some owners park their motorhome in their driveway or on private land. While this option is cost-effective, it may not always be practical or secure. If space is limited or local restrictions prevent you from storing your motorhome at home, you'll need to consider dedicated storage facilities.
 

Secure Storage Facilities

Many dedicated motorhome storage facilities offer varying levels of security and convenience. The cost will depend on the features provided, such as:

  • Basic Storage: Open-air spaces with minimal security. Costs typically range from £300 to £600 per year.

  • Mid-Level Security: Gated access, CCTV monitoring, and well-lit areas. These facilities usually charge between £500 and £800 annually.

  • High-Security Storage: Facilities with advanced security features such as 24/7 monitoring, individual access codes, alarm systems, and covered or indoor parking. Premium storage can cost upwards of £1,000 per year, but it provides maximum peace of mind.
     

Factors Affecting Costs

The price of motorhome storage also depends on:

  • Location: Storage fees are generally higher in urban or high-demand areas.

  • Size of the Motorhome: Larger motorhomes may incur higher fees due to the required space.

  • Accessibility: Some facilities offer 24/7 access, which may come with an additional cost compared to restricted-access sites.
     

Additional Considerations

When choosing a storage facility, consider insurance requirements. Many motorhome insurance policies require the vehicle to be stored securely when not in use, particularly during winter. Opting for a storage site approved by organizations such as the Caravan Storage Site Owners' Association (CaSSOA) can reduce insurance premiums.

By selecting a storage solution that suits your budget and security needs, you can keep your motorhome safe when it's not in use and ready for your next adventure.

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