Leisure insurance
Auto-Trail Motorhome Insurance
cover for a British-built coachbuilt motorhome, from a compact model to a long rear garage van
Cover for an Auto-Trail motorhome, built in Grimsby on a chassis cab. It insures the vehicle and the habitation area together, and the year, the value and the storage arrangement do most of the work in the rating.
- Built in Grimsby
- Coachbuilt on a chassis cab
- Every age on the used market
- FCA authorised and regulated
Quick answerAuto-Trail builds coachbuilt motorhomes in Grimsby, and has done for long enough that used examples of every age are on the market. That breadth is the thing to get right at the quote: a recent vehicle and a twenty-year-old one are insured on quite different settlement bases. Tell us the model, the year and where it is kept, and specialist UK brokers can come back with quotes.
New to motorhome cover? Our motorhome insurance page explains how it works.
At a glance
Auto-Trail Cover: Six Starting Points
Six things that shape what an Auto-Trail costs to insure.
- British built, coachbuilt body
- On a standard chassis cab
- Age decides the settlement basis
- New for old, then agreed value
- Storage moves the price
- A graded site rates better
- Mileage is usually limited
- Give a figure you will keep to
- Rear garages carry value
- Bikes and scooters need declaring
- European touring is declared
- Counted in days
The basics
What Makes a Auto-Trail Its Own Question
An Auto-Trail is a conventional coachbuilt, so the questions are conventional too: which model, which year, what it is worth now, where it stands and how far it goes.
The vehicle itself
Make, model, year and berth.
What it is worth
Replacement cost today.
Where it is kept
A drive, a yard or a graded site.
Security fitted
Alarm, immobiliser, tracker, locks.
How far it goes
An honest annual distance.
Who drives it
Owners and anybody else permitted.
How it works
Between the Enquiry and the Auto-Trail Figure
It is a quick form. The care goes into the value and the annual mileage, because those are the fields an underwriter reads first.
Give the vehicle details
Make, model, year and berth.
Name the storage arrangement
It does more than owners expect.
Describe how it is used
Weekends away, long tours, rallies, a seasonal pitch or European trips.
Compare properly
Replacement basis, mileage limit, excess.
What it covers
Cover That Earns Its Place on a Auto-Trail
The road sections you would recognise from a car policy, plus the habitation cover that answers for the living area and what is kept in it.
| Section | Where it sits | What to know |
|---|---|---|
| Accidental damage | Comprehensive | The section that answers for an Auto-Trail motorhome |
| Theft and attempted theft | Included | Conditioned on security and storage |
| Storm, flood and weather | Included | A frequent claim on a parked vehicle |
| Contents and equipment | A separate limit | Awning gear, cycles, electronics |
| Personal effects | Optional on many policies | Worth pricing if you tour long |
| European touring | Declared in advance | Usually with a day limit |
| New for old replacement | Age dependent | Ask where the cut-off falls |
What is in the garage is not automatically covered. Bicycles, a scooter or a generator carried in a rear garage are contents rather than part of the vehicle, and the general contents limit is frequently lower than what is in there.
What it leaves out
What a Auto-Trail Policy Will Not Pay For
The cover answers for sudden damage. What follows sits outside it, and the list is short enough to read properly.
Damp, rot and gradual ingress
The commonest reason a habitation claim fails.
Everyday wear and fading
Not sudden, so not insured.
Theft where the conditions were not met
Devices, keys and site grade all count.
Contents left unattended outside
Ask what the limit actually is.
Letting, hire or business use
Declare it or it sits outside the cover.
Gradual water ingress
The commonest reason a habitation claim is refused.
The Auto-Trail range
The Auto-Trail Layouts People Insure
The range spans compact two-berth models up to long family layouts, and the length and specification move the figure more than the model name.
Compact coachbuilt models
Easier to store and to drive.
Four and six berth layouts
The core of the range.
Rear garage models
Carrying bikes or a scooter.
Higher specification ranges
More to replace after a loss.
Older Auto-Trail vehicles
Where agreed value comes in.
Vehicles used on the Continent
Declared, with a day limit.
Looking at a van conversion instead? See campervan insurance.
Who it suits
Owners Touring in a Auto-Trail
Auto-Trail owners are mostly touring couples and families, and a good number are on their second or third vehicle from the same maker.
Touring couples
The largest group.
Retired owners
Long trips through the season.
Families with a rear garage model
Bikes and gear aboard.
Continental tourers
Extended trips abroad.
Buyers of used vehicles
Value and history questions.
Owners of recent models
Where new for old still applies.
Buying a caravan instead? See caravan insurance.
New or used
New for Old vs Agreed Value on a Auto-Trail
Whether the vehicle is new or second-hand changes how a total loss would be settled, and that is worth deciding before the policy is bought.
| New | Used | |
|---|---|---|
| Usual settlement basis | New for old | Agreed or market value |
| What the sum insured is | The list price | What replacing it would cost |
| Security expected | Often more | Alarm and tracker still asked |
| Where the risk sits | Depreciation | Under-insurance |
Want the settlement bases explained? See motorhome insurance.
Cost
What Separates One Auto-Trail Premium From the Next
The vehicle, its value, the annual distance, where it is kept, the security fitted and the claims record. We do not print average premiums.
Why the year matters so much here
Because the marque has been building for decades, used examples span a very wide age range. The year decides whether new for old is on offer, and after that whether an agreed value is the sensible route.
Why storage still carries weight
A coachbuilt stands still for most of the year. Where it stands, and what stands around it, is one of the largest factors in the price once the value is settled.
What the quote is rated on
The main factors
- The vehicleMake, model, year and berthBase
- ValueReplacement cost, not purchase priceRate
- Annual mileageThe distance actually coveredRate
- StorageHome, yard or graded siteRate
- Drivers and claimsAges, licences and recent yearsAdjust
Store it behind a barrier
One of the strongest levers.
Set the mileage honestly
Limited mileage terms price well.
Value it for replacement
Not for what you paid.
The conditions
Four Obligations Behind Auto-Trail Cover
A short list, but the one that matters. An insurer will look at these first if you ever claim on an Auto-Trail motorhome.
Fit the devices and set them
Theft claims turn on this more than anything.
Keep the mileage honest
An estimate that drifts is worth correcting.
Declare a change of storage
Before it happens, not after.
Keep the habitation check up to date
It will not create cover, but it protects one.
Quote checklist
Everything Needed to Quote a Auto-Trail
This is the whole list. With it in front of you, an Auto-Trail motorhome can be quoted in one conversation.
What it is worth
Replacement rather than purchase price.
Identification
Make, model, year, berth and the registration.
Storage and site
A drive, a yard, a farm or a graded storage site.
Devices fitted
Alarms, trackers, wheel and pedal locks.
Use through the year
Weekends, long tours or a seasonal pitch.
Distance covered
An honest annual figure.
Comparing
Comparing Auto-Trail Quotes Line by Line
A lower price is only better if it does the same job. Check these before deciding.
What is required of you
- Alarms, trackers and locks
- Approved storage or a graded site
- Notification when storage changes
What it pays
- Settlement basis on the vehicle
- Contents and awning limits
- Excesses, compulsory and voluntary
On this motorhome specifically
- Settlement basis on this vehicle
- Contents and awning limits
- Mileage and storage conditions
Ask how a total loss would be settled. It is the question owners forget to ask. Unfamiliar terms are explained in our plain English jargon guide.
Cutting costs
Cutting the Cost of a Auto-Trail
The levers are storage, security, an honest mileage, an accurate value and a clean record. We publish no savings figures.
Move it to a graded site
Storage moves the price.
Fit a tracker
Recovery odds change the rating.
Agree a realistic mileage
And then stay inside it.
Keep the value current
Under-insuring costs more later.
Build clean years
A motorhome bonus is worth protecting.
Compare every renewal
This market moves a great deal.
Glossary
Auto-Trail Policy Language, Decoded
The words that come up once a Auto-Trail motorhome is insured in its own right.
- New for old
- A new equivalent vehicle while yours is within the age limit.
- Agreed value
- A figure fixed in advance rather than argued afterwards.
- Market value
- The value immediately before the loss.
- Berth
- How many people the vehicle is built to sleep.
- Habitation contents
- Belongings inside the living area, insured to their own limit.
- Storage grade
- A rating applied to commercial storage sites.
- Water ingress
- Damp arriving through seals and seams, excluded as gradual.
- Awning
- The fabric structure attached to the side, insured separately.
- European use
- Touring abroad, usually capped in days.
- Excess
- What you pay towards a claim before the insurer contributes.
Why MyMoneyComparison.com
Why Auto-Trail Owners Compare Through MyMoneyComparison.com
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces motorhome owners to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.
One form, one motorhome
Describe the motorhome once, instead of repeating yourself to each broker.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
Auto-Trail Motorhome Insurance FAQs
Answers on storage, security, damp, mileage limits and European touring.
Where are Auto-Trail motorhomes built?
In Grimsby, on the Lincolnshire coast. They are coachbuilt, meaning the body is constructed onto a chassis cab rather than around the whole cab as an A-class is.
Does the age of the vehicle change the cover?
It changes how a total loss would be settled rather than whether cover is available. New for old applies while the vehicle is young enough; after that an agreed value keeps the figure predictable.
Is what I carry in the rear garage insured?
Only up to the contents limit, and that limit is often lower than the value of a bike rack full of bicycles. Declare anything substantial rather than assuming the general figure will stretch.
What security will be asked for?
An alarm and immobiliser at minimum, with a tracker common on higher-value vehicles. Whatever you declare becomes a condition, so declare what you actually fit and use.
Does a habitation check help?
It does. A documented annual check with a damp reading makes the vehicle easier to place and easier to claim on, because it shows the gradual problems were being looked for.
Can I store it at home?
Plenty of owners do and insurers accept it. A graded storage site usually prices better, so if you have the choice it is worth getting both quoted rather than assuming.
Will an older Auto-Trail be refused?
Rarely. Age narrows the number of insurers interested rather than closing the market, and an agreed value is the usual route once new for old no longer applies.
Do I need to declare a rear scooter rack?
Yes. A rack changes the length and the weight distribution, and what it carries is valuable. Both are things an insurer would rather hear at the quote than after a claim.
Why is a limited mileage policy so common on these?
Because a motorhome is used for a few weeks a year rather than every day. Agreeing a realistic annual distance is what lets the price reflect that, and going a long way past it is a disclosure problem rather than a small detail.
What do insurers ask about first?
The vehicle, its value and where it is kept. Security comes next, then who drives it and how far it goes. Storage and mileage carry more weight here than on an everyday car.
Will a claim on the car affect this policy?
It can, because insurers usually ask about claims across all your vehicles. Declare them, since an undeclared claim is a straightforward route to a refused one later.
Is an awning covered as standard?
Frequently not. Awnings take the worst of the wind and are one of the more common claims, so it is worth checking whether yours is included and at what limit.
Do I have to set the alarm every time?
Yes, if you declared it, and that includes a single night on the drive. The condition applies whenever the vehicle is left, not only when it is in long-term storage.
Is a storage site better than home?
Usually for the premium, though not always for convenience. A graded site with gates, cameras and barriers reduces the theft exposure, and insurers price that difference.
Will an older motorhome be refused?
Rarely. Age changes the settlement basis rather than the availability of cover, and an agreed value is the usual route once new for old no longer applies. What narrows is the number of insurers interested, which is a reason to compare rather than a reason to worry.
What about the contents I leave on board?
There is a limit, and it is separate from the vehicle. Cycles, awning equipment and electronics add up quickly, so check the figure against what you actually leave in it.
Ready when you are
Compare Cover for Your Auto-Trail
Tell us about the Auto-Trail motorhome and where it is kept. Specialist UK brokers can then come back with quotes. Free to use, with no obligation to buy.
- Coachbuilt, A-class, van conversions and self-builds
- Free to use, no obligation
- FCA authorised and regulated
Free to use · No obligation · UK brokers
About this page
This page explains UK Auto-Trail motorhome insurance: cover for a British-built coachbuilt motorhome, how the settlement basis works on one, and what a broker asks before quoting. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK motorhome and campervan policy summaries
- Storage, security devices, habitation checks and European use
- Financial Ombudsman material on motor insurance complaints
Legal & Regulatory Information:
The MyMoneyComparison.com website is owned and operated by MyMoneyComparison.com Ltd, which does not provide financial advice and does not sell insurance policies. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation and credit broking activity under FCA registration number 916241.
MyMoneyComparison.com Ltd is a data controller under the Data Protection Act 2018, registered on the Data Protection Register under registration number ZA460665.
Registered Office: Jubilee House, 55 Church St, Morley, Leeds LS27 9JQ, United Kingdom.
© 2013-2026 MyMoneyComparison.com Ltd. All rights reserved.