Compare motorhome and campervan insurance from NZ providers. Cover your vehicle, contents, and accessories. From small campervans to large A-class motorhomes. 100% free.
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Approximate current value including fit-out.
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How motorhome insurance works in NZ and why it differs from standard car insurance.
Motorhome insurance is specialist vehicle insurance designed for campervans, motorhomes, and bus conversions. Unlike standard car insurance, motorhome policies need to cover both the vehicle and the living quarters - including fixtures, fittings, appliances, and often the personal contents inside.
New Zealand has a strong motorhome culture, with over 100,000 campervans and motorhomes on the road. The New Zealand Motor Caravan Association (NZMCA) has over 100,000 members, making it one of the country's largest recreation organisations.
Motorhome insurance is not compulsory in NZ, but given that motorhomes can be worth $20,000 to $300,000+, the financial risk of being uninsured is substantial. ACC covers personal injuries but not vehicle or property damage.
Key point: Motorhome insurance typically covers more than a standard car policy - including fitted appliances, solar panels, awnings, satellite dishes, and personal contents. Make sure your policy reflects the true total value of your motorhome and everything in it.
Self-containment certification (to NZS 5465:2001) is a separate requirement for freedom camping in many areas. While not typically required for insurance, it demonstrates that the vehicle meets certain standards. For information about freedom camping rules, see your local council's guidelines.
Three main cover levels are available for motorhomes and campervans.
Covers damage you cause to other people's property only. Your motorhome, its fit-out, and contents are not covered.
Mid-tier cover adding fire and theft protection for your motorhome. Contents cover may or may not be included - check your PDS.
Full protection for your motorhome, fit-out, accessories, and contents. Covers accidents, theft, fire, weather, vandalism, and natural disasters.
The right policy depends on your motorhome, how you use it, and your budget.
A comparison of providers offering motorhome and campervan insurance.
| Provider | Cover Types | Online Quotes | Best For |
|---|---|---|---|
| AA Insurance | Comp, TPFT, TP | ✓ | All-rounder |
| AMI | Comp, TPFT, TP | ✓ | Multi-policy |
| State | Comp, TPFT, TP | ✓ | Bundling |
| Tower | Comp, TPFT, TP | ✓ | Competitive pricing |
| Cove | Comp, TP | ✓ | Digital-first |
| Star Insurance | Comp, TPFT | ✓ | Specialist vehicles |
| Vero | Comp, TPFT | Broker only | High-value motorhomes |
Disclaimer: Features and cover options may change. Always verify motorhome-specific cover availability and details directly with the provider. Report an error.
A closer look at popular motorhome insurance providers in New Zealand.
Cove is New Zealand's fastest-growing digital insurance brand. Quick online quotes, transparent policy wording, and no lock-in contracts.
One of NZ's largest insurers with motorhome cover options. Includes AA Roadside Assistance and strong customer service reputation.
Competitive pricing with flexible cover options for motorhomes and campervans. Straightforward online quote and management process.
Specialist insurer experienced with non-standard vehicles including motorhomes, bus conversions, and custom-built campervans.
One of NZ's most trusted brands. Competitive motorhome cover with multi-policy discounts when bundled with home or contents insurance.
Coverage features specific to motorhome and campervan policies.
| Feature | Third Party | TPFT | Comprehensive |
|---|---|---|---|
| Third-party property damage | ✓ | ✓ | ✓ |
| Theft of motorhome | ✗ | ✓ | ✓ |
| Accidental damage | ✗ | ✗ | ✓ |
| Fixtures & fittings | ✗ | Some policies | ✓ |
| Personal contents | ✗ | ✗ | Usually included |
| Awnings & annexes | ✗ | ✗ | Usually included |
| Solar panels & accessories | ✗ | ✗ | If declared |
| Emergency accommodation | ✗ | ✗ | Some policies |
What motorhome insurance typically does not cover.
Standard motorhome insurance does not cover mechanical or electrical failures, wear and tear, or engine/transmission faults. Separate mechanical breakdown insurance is available for this.
Personal motorhome insurance does not cover renting your vehicle to others or commercial use. Separate commercial cover is needed for rental operations or business use.
Damage caused while exceeding the vehicle's gross vehicle mass (GVM) or towing capacity may void your cover. Always stay within manufacturer specifications.
Claims will be declined if the driver is under the influence of alcohol or drugs at the time of the incident.
Damage from rodents, insects, mould, condensation, or gradual deterioration is typically excluded. Regular maintenance is expected to prevent these issues.
While freedom camping itself is covered, damage or theft while camping illegally in a restricted area could complicate claims. Always check local freedom camping rules.
Key factors insurers consider when pricing motorhome cover.
Larger motorhomes cost more to insure due to higher value and repair costs. A-class motorhomes and luxury models attract higher premiums than smaller campervans.
The total value including the base vehicle and all fit-out, appliances, and accessories. Custom builds and high-spec fit-outs increase the insured value.
Where the motorhome is stored when not in use affects premiums. Secure indoor storage or a locked compound is viewed more favourably than street parking.
Full-time use attracts higher premiums than occasional holiday use. Some insurers offer limited-use discounts for motorhomes driven fewer km per year.
Younger drivers pay more. A clean driving record and several years of claims-free history reduce premiums through no-claims bonuses.
Alarms, immobilisers, GPS trackers, and secure storage all help reduce premiums. The quality of the motorhome's locking systems also matters.
Indicative annual comprehensive premiums by motorhome type.
Disclaimer: These are indicative estimates only. Actual premiums depend on vehicle value, usage, driver profile, and insurer. These are not quotes.
Ways to reduce your motorhome insurance premium in NZ.
Motorhome insurance prices vary significantly. Get at least 3 - 4 quotes to find the best value for your situation.
Some insurers offer discounts for NZMCA members. Membership also provides access to parking areas and technical resources.
Alarms, immobilisers, GPS trackers, and secure storage all help reduce premiums. Many modern motorhomes come with factory-fitted security.
A higher voluntary excess lowers your premium. Ensure you can afford the excess amount if you need to claim.
Multi-policy discounts are common when you insure your motorhome, car, home, and contents with the same provider.
Monthly payments include fees that add 5 - 10% to the total. Paying upfront saves money over the year.
What to do if your motorhome is damaged, stolen, or involved in an incident.
Move to a safe location. Call 111 for emergencies or 105 for non-urgent police matters.
Photograph all damage to the motorhome, contents, and any other vehicles or property involved.
Lodge your claim as soon as possible. Have your policy number and damage photos ready.
An assessor evaluates the damage to both the vehicle and living quarters. Contents claims may be assessed separately.
Repairs arranged or payout made. You pay your excess. Emergency accommodation may be provided if the motorhome is your primary residence.
Key information for motorhome owners in New Zealand.
New Zealand's Freedom Camping Act 2011 allows camping on public conservation land and in some council areas, subject to local bylaws. Self-contained vehicles (certified to NZS 5465:2001) have access to more freedom camping locations. Many councils have introduced stricter rules in recent years, so always check local bylaws before camping. The NZMCA maintains a network of member-only parking areas throughout the country.
New Zealand has one of the highest rates of motorhome ownership per capita in the world. The NZMCA has over 100,000 members, and the motorhome tourism industry is a significant contributor to regional economies. NZ's extensive network of holiday parks, DOC campgrounds, and freedom camping spots makes it one of the best countries in the world for motorhome travel. Popular touring routes include the Pacific Coast Highway, the Southern Scenic Route, and the West Coast of the South Island.
Common questions about motorhome insurance in NZ.
Disclaimer: The information on this page is for informational purposes only and does not constitute financial, insurance, or legal advice. All pricing is indicative and based on publicly available data as of early 2026. Actual premiums vary based on your motorhome, location, usage, and driver profile. These are not quotes - always obtain a personalised quote directly from the insurer.
Note: Compare.org.nz earns referral fees from some featured providers. Sponsored content is clearly labelled. Features and pricing may change - always verify with the insurer. For financial guidance, consider a licensed financial adviser.
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