Campervan Insurance Options - A Guide for Quirky Owners

As the van owner, when renting out with Quirky Campers you are responsible for making sure your campervan and your customers are adequately insured. Quirky Campers do not provide insurance for owners and cannot set up insurance on behalf of owners. However, we can recommend several insurance companies to assist you in getting the right cover. We have created the below guide to support you in your decision-making and will do our best to help find the best option for you:

Insurance Costs for Customers

Quirky Camper’s bookings all come with insurance included in the cost of the rental. For customers, this means no hidden booking fees. For owners, this means the base rate for your campervan will be inclusive of the cost to cover the insurance. Owners cannot charge customers separately for insurance and customers cannot use their own insurance for hire.

Insurance Options for Hiring Out Your Campervan

Due to the nature of hiring out a campervan privately, you need specialist insurance cover. This can only be purchased from certain providers. Quirky Campers have been in contact with multiple insurance providers and have found the following options which best fit the booking conditions customers agree to when booking through the website.

Types of Insurance Required for Renting Out Your Campervan

1. Annual SDH cover (Inclusive of Breakdown Assistance)

OR

2. SDP + Daily SDH + Breakdown Assistance

1. Self Drive Hire (SDH) Annual Policy

Annual Self-Drive Hire insurance provides cover for you and all your future customers renting out your campervan. The annual policy must also include breakdown assistance, which is usually added as an optional add-on by the insurer.

If you do not want to commit to an annual policy, you can you can purchase daily SDH insurance (ie. pay per hire) with Alan Boswell. Please see below for more details:

2. Social Domestic & Pleasure (SD&P) + Daily Insurance + Breakdown Assistance

If you do not want to purchase an annual SDH policy, you can also purchase daily insurance to cover your customers, which can be taken out alongside your standard campervan insurance (SD&P policy).

Daily SDH is an excellent option in your first season. However, it does require extra admin. Daily SDH cover must be arranged and bought by the van owner before each hire.

If you decide to opt for this, you will need to make sure that your SD&P policy provider allows you to take out Daily SDH and rent out your campervan, we have included details of insurers we are aware of who allow this in the comparison table below.

Insurance Options Comparison:

Annual SDH

Annual SDH

SD&P + Daily Hire

Insurance offered by

Alan Boswell

Sterling

Alan Boswell, Adrian Flux (SDP)

Insurance Provided

Self Drive Hire - Annual

Self Drive Hire - Annual

Self-Drive Hire - Daily add-on

Cost

£1400.00 to £3000.00 (Annual)

No set pricing

Daily SDH charge (per booking not per day): £10 – starting 1st Nov

  • 1 day: £38.27 per night
  • 2–5 days: £20.99 per night
  • 6–9 days: £19.84–£22.39 per night
  • 10–14 days: £19.80–£23.31 per night

Cover for You?

Yes - Plus four named drivers

Yes

No - SD&P also required

Covers Vehicle when on Hire?

Yes - Unlimited Hires

Yes - With limit on the number of hires

Yes - Pay Per Hire

UK & EU Breakdown Add-on?

Yes

Yes

Yes

Public Liability Add-on?

Yes

No

Yes

Paperwork

Minimal

Minimal

Extra admin required - must contact insurer to set up insurance for each booking

Hirer age restrictions?

Hirers must be between 23-75

Hirers must be between 25-75

Hirers must be between 23-75

Excess

Dependent on vehicle age and value

Dependent on vehicle age and value

Dependent on vehicle age and value

Extra Charges

No

No

Yes - £30.00 late charge for booking requested within 24 hours

* Rates vary depending on vehicle value, postcode, parking and named driver history

Policy Price Factors

For BOTH SD&P and SDH Premiums will be higher than the figures quoted above if any of the following apply:

  • Campervan is located in ‘higher risk’ postcodes certain postcode EG. London, Manchester or Birmingham
  • Value of the vehicle
  • You have multiple penalty points
  • You are younger than 25
  • You have less than 2 years driving experience

Breakdown Cover Options

Van owners must have Breakdown cover to rent out via Quirky Campers, breakdown cover is also included in a customer's booking cost.

Breakdown Cover

Alan Boswell SDH Breakdown Cover

RAC Business Cover

Breakdown Provider

Call Assist

RAC

Cost

£185.00 Annual

£190 per year or £19 per month

Annual or Monthly?

Annual

Annual or Monthly

Covers You?

Yes, and 4 named drivers

Yes, and named drivers

Covers Hirers?

Yes

Yes

Restrictions

Only available alongside Alan Boswell SDH annual policy

Available alongside Alan Boswell Daily SDH and SD&P policies

Exceptions

N/A

Requires extra paperwork for each hire. Does not cover vans over 3.5 tonnes or over 7.5m in length that require a C1 license.

Contact details:

Alan Boswell Insurance Brokers Ltd

Call - 01603 915110
Visit - https://www.alanboswell.com/

Sterling Campervan Insurance

Call - 01279 719429
Email - quirkycampers@sterlinginsurance.com

Adrian Flux - Campervan Insurance

Call - 0800 085 9459
Visit - https://www.adrianflux.co.uk/

RAC Business Breakdown

Call - 0808 588 1903
Visit - https://www.racbusinessclub.co.uk/register/breakdown/

If you have any queries about any of the above, please don't hesitate to get in touch.