Why Compare Quotes For Your Lunar Motorhome?
No Maker Behind It
With Lunar gone since 2019, there's no warranty or factory support to fall back on. Providers may treat that differently, so comparing quotes shows how each one prices a Lunar today.
Four Base Vehicles
A Lunar could sit on a Mercedes-Benz Sprinter, Renault Master, Fiat Ducato or Nissan base. Repair costs can differ from one base to the next, so quoting the right one keeps the price accurate.
Mixed Ages And Layouts
A Lunar could be a micro Camper Car, a Landstar van or a coachbuilt Roadstar, and the earliest Roadstars go back to the 1980s. Clean Green Cars introduces you to UK providers, so you can compare Lunar quotes for the exact model you own.
Lunar Motorhome Insurance At A Glance
- Lunar Specifics - Lunar Caravans of Preston, Lancashire, was mainly a lightweight caravan maker that built motorhomes in stops and starts. It went into administration in July 2019, its buyer Lunar Automotive was wound up in 2022, and no new Lunar motorhomes have been made since 2019.
- Early Roadstars - the first Roadstar was a coachbuilt on a Mercedes-Benz base. Lunar kept building motorhomes until 2008, then stopped to focus on touring caravans.
- Champ And Camper Car - the mid-2000s Champ range was built in Belgium on a low Fiat chassis. The Nissan-based Vacanza micro-motorhome of 2013 was later renamed Camper Car.
- Landstar Vans, 2015 To 2019 - every Landstar is a conversion of the high-roof, long wheelbase Mercedes-Benz Sprinter. Some 316 models can be replated to a higher weight, and then every driver needs C1.
- Roadstar And Telstar Low-Profiles - from 2016 Lunar built these in Preston on a Renault Master chassis, and the first Roadstar on a Fiat Ducato arrived in 2018.
- No Maker Support - the newest Lunar is at least 7 years old, with no factory warranty or back-up, so an agreed value and a recent habitation check may carry more weight on a claim.
Do You Need Insurance For Your Lunar Motorhome?
Yes, whenever it's on a road or in another public place. The law asks for at least third party cover on every motorhome used there, your Lunar included. If you're caught without it, GOV.UK lists a £300 fixed penalty with 6 penalty points (recorded as an IN10), and the police have the power to seize the motorhome. In court the fine is unlimited and you could be disqualified from driving.
- Off The Road Under SORN - a motorhome declared SORN and kept off the road doesn't need insurance by law. Laid-up cover against fire and theft is still an option while it's parked for the winter.
- Every Journey Needs Cover - the run from the storage yard to your house, or a quick hop to the workshop for a service, is road use in the same way as a fortnight's tour.
- No Cover And No SORN - if you're the registered keeper of an uninsured motorhome that hasn't been declared off the road, you could get a £100 fine, see it clamped or impounded, or be fined up to £1,000 in court.
- Policy Conditions Matter Too - a provider may attach conditions on security, storage or habitation checks, and a breach can affect a claim. For the broader picture, see the motorhome insurance guide.
Which Licence Do You Need For Your Lunar?
Covering The Living Area Of Your Lunar
A habitation check isn't a legal requirement for a motorhome in private use. Most manufacturers still advise one a year, and some warranties and insurance policies make it a condition. Habitation cover tends to earn its keep in these three areas.
Cooking, Heating And Gas
Fixed appliances such as the hob, fridge, water heater and space heater belong to the living area, so they're normally covered under the habitation section, not the motor section. Private use falls outside the gas safety regulations, though an Approved Workshop Scheme check still looks at the gas system.
Body Seals And Damp
On any coachbuilt, rain can creep in at seams, roof lights and window frames and stay hidden for months. Damp readings taken at a yearly check give you a dated note of how sound the body was, which can back up a claim later.
Belongings, Awning And Solar
Things you pack for a trip, a wind-out awning and solar panels on the roof usually come under the contents or habitation section. Every policy has a contents limit, so look yours up and name high-value items like cameras or e-bikes separately.
Lunar Cover Levels Side By Side
With third party only, a theft of your Lunar from storage pays nothing towards the motorhome itself. The table shows what each level of cover tends to include.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Injury or damage you cause to other people (legal minimum) | Yes | Yes | Yes |
| Theft of, or fire damage to, your Lunar | Yes | Yes | No |
| Accidental damage to your Lunar | Yes | No | No |
| Habitation section (fixtures, appliances, awning) | Often included | Provider-dependent | No |
| Personal belongings kept in the motorhome | Often included up to a set limit | Provider-dependent | No |
| Agreed value payout | Often available on request | Provider-dependent | No |
| Glass and windscreen damage | Usually included | Provider-dependent | No |
| EU legal minimum third party cover | Yes | Yes | Yes |
| Full cover when touring abroad | Often included for a set number of days | Provider-dependent | No |
| Motorhome breakdown and recovery | Often an add-on | Add-on | Add-on |
| Uninsured driver promise (excess returned if not at fault) | Often included | Provider-dependent | No |
Features, limits and conditions vary from one provider to the next, so read the policy wording before you buy.
Cover Note: On a less common motorhome, an agreed value set at the start of a comprehensive policy can make a total loss easier to settle, because the payout is fixed in advance. Check too how the awning, solar panels, contents and habitation section are treated, and what happens if a habitation check is missed.
Common Exclusions To Watch For
A single clause you missed can mean your Lunar claim isn't paid. Here's what standard motorhome policies often leave out.
Standard Exclusions
- Too Heavy For Your Licence - Above 3,500kg, a petrol or diesel motorhome needs C1 or pre-1997 entitlement. On a car licence alone you aren't licensed to drive it, and the insurer can refuse a claim on that basis. Check the V5C weight against your online licence record.
- Letting A Required Habitation Check Lapse - Where a policy makes a regular habitation check a condition, missing one may give the insurer grounds to decline a claim for damp, gas or appliance damage. File every dated certificate with your policy papers so it's ready if asked.
- Storing It Somewhere Else - If your policy names a storage site or a security standard, keeping the motorhome somewhere less secure, even briefly, may put a theft or vandalism claim at risk. Let your insurer know before it moves.
Important Limitations
- Upgrades Left Off The Quote - Solar panels, lithium batteries, a satellite dish, a bike rack, a new awning or a changed layout all alter the value and the risk. Declare each one when you quote, as anything missing may be excluded or cut the payout after a claim.
- Renting It Out Or Using It For Pay - Hiring your Lunar out, or carrying paying passengers or goods, falls outside a private motorhome policy. That calls for specialist hire cover, and a motorhome hired out by a business is also subject to the gas safety regulations.
- Overstaying The Foreign Day Limit - Many policies cap the days of full cover you get abroad each year. Go past the cap on a trip and you may be left with just the legal minimum third party cover. Find the figure in your policy wording before a long tour, and buy extra days ahead of time if needed.
Extras You Can Add To Your Lunar Policy
Recovering a broken-down motorhome a long way from home can be costly without the right cover. These optional extras may be worth considering for your Lunar.
Stretches full cover abroad past the standard number of days in the policy. Useful if your Lunar spends weeks on the continent, rather than touring mostly on UK sites.
Roadside assistance and recovery using vehicles that can take a long, heavy coachbuilt. A breakdown service aimed at cars may lack the equipment to move a motorhome of that size.
The phones, tablets, laptops, drones and cameras you take away can be worth more than the contents limit. Gadget cover protects portable electronics carried in the motorhome, on the drive or on tour.
May help you recover costs the policy won't pay, such as your excess or injury costs, after a UK or overseas accident that wasn't your fault.
What Affects The Cost Of Lunar Cover?
The price of Lunar cover moves with the motorhome's value, where it's kept overnight and the miles it does each year. Here are the main factors.
| Key Factor | Impact on your price |
|---|---|
| Lunar model, base and weight | A Sprinter-based Landstar, a Renault or Fiat Roadstar and an older Champ differ in base vehicle, size and value. A Landstar replated to a higher weight may also be rated as a heavier motorhome. |
| Your age and driving history | A long, clean driving record usually helps the price. Younger drivers, and anyone without experience of a vehicle this big, may be quoted more, and some providers have their own age limits. |
| Home postcode | Areas with more vehicle theft and more claims usually cost more to insure than quieter ones, even with the same motorhome and driver. |
| Where it's stored | A storage site graded Silver, Gold or Platinum by CaSSOA may help the price. A home drive and a roadside space carry different risks, and providers each rate them differently. |
| Annual mileage | Most motorhomes are parked far more than they're driven. Giving a realistic mileage keeps the quote fair and avoids problems at claim time. |
| Weight on the plate | A petrol or diesel motorhome plated over 3,500kg needs C1 and is taxed as a Private HGV (TC10). Some providers price heavier motorhomes differently from those at 3,500kg or under. |
| Whether it's an import | A motorhome from abroad must be approved and registered with DVLA before it can be used on UK roads. Let your insurer know it's an import, since some providers may price it differently. |
| Habitation check history | Recent dated habitation checks can back up your quote. If a policy makes regular checks a condition, a gap may affect the price or a future claim. |
| Security devices | A tracker, an alarm or a wheel clamp makes the motorhome harder to steal. Above a set value, some providers make approved devices a condition of cover. |
| No-claims history | Years without a claim usually lower the price. Ask when you quote whether a no-claims record built on a car or other vehicle will count, as providers vary. |
| Cover level and valuation | Agreed value on a comprehensive policy may cost more than market value cover. The trade-off is a payout fixed at the start, rather than debated after a write-off. |
The quotes you see will depend on your own details and your motorhome.
Pricing Note: Each provider weighs value, storage, security and driving history in its own way, so the same motorhome can draw quite different prices. Setting several quotes side by side, instead of letting the policy renew automatically, shows how wide the gap is for your Lunar.
Steps That May Help Reduce Your Lunar Premium
An automatic renewal on your Lunar policy, with no fresh comparison, can mean paying more than necessary. These steps may help bring the cost down.
Declare Any Replating On A Landstar
Give the plated weight shown on the van now, not the original figure, and check every named driver holds C1 if it's needed. A matching weight keeps the quote accurate from the start.
Fit A Tracker And Keep Paying For It
Keep a tracker running with an active subscription all year. It may help the price on a higher-value motorhome, and some providers insist on one above a certain value.
Keep A Yearly Habitation Record
Have the habitation check done every year at an Approved Workshop Scheme workshop and file the certificate. It's a dated record of condition and may satisfy a policy or warranty condition as well.
Give A Realistic Mileage
Add up the likely miles from a year of tours and weekends away. Too low a figure can cause problems at claim time, while an accurate low figure may help the price.
Ask About Agreed Value
Check which providers offer agreed value. It may cost a little more, but the payout is settled when the policy starts, so there's no dispute over the motorhome's worth after a write-off.
Pay Annually If You Can
Pay for the year in one go if that's affordable. Spreading it monthly usually adds interest (shown as APR), which raises the total cost over the year.
Cost Tip: Some insurers offer a discount for CaSSOA-accredited storage, and many look for proof that a motorhome is cared for and hard to steal. A tracker, an accredited storage site and a dated record of habitation checks all help show that, as do honest mileage and a clean licence.
How To Compare Lunar Quotes
It takes just a few minutes to compare Lunar motorhome insurance from UK insurance providers. Get started above.
Add Your Details
Enter your Lunar model, year, value, expected yearly mileage and postcode. It only takes a few minutes.
Match Licence To Weight
List your licence categories and check them against the plated weight on the V5C, so the quote fits what you're allowed to drive.
Compare Cover Levels
Put third party only, third party fire and theft and comprehensive side by side, then check the habitation, awning and Europe terms.
Pick Your Extras
Think about whether European cover, motorhome breakdown, gadget cover or legal expenses suit how you use your Lunar.
Set The Start Date
Tell the provider which day cover should begin. As soon as it's paid for, the certificate and policy papers are sent to you.
What Our Expert Says
The Lunar to watch is the Landstar. Trade press calls the low payload on 316 EW 'S Edition' models its Achilles heel, and the Sprinter can be replated to a much higher weight without any mechanical change. Once that's done, every driver needs C1 on their licence.
Buying secondhand, read the weight plate on the van itself rather than an old advert or brochure, as an earlier owner may have replated it. A driver without C1 behind the wheel of a replated Landstar may give an insurer reason to question a claim.
For any Lunar, the trade press line when buying is to insist on a recent habitation service and a gas safety check. With no maker left to support the brand, those dated records do double duty. They show a seller has looked after the van, and they're your evidence of condition when you set an agreed value.
Insurance Expert & Co-founder of Clean Green Cars
Lunar Motorhome Insurance FAQs
Is Lunar Still Making Motorhomes?
No. Lunar Caravans went into administration in July 2019. The business was bought and renamed Lunar Automotive, which was wound up in 2022, and no new Lunar motorhomes have been made since 2019. Providers may still quote for an older Lunar as a used motorhome, by its model and year.
Does A Replated Lunar Landstar Need A C1 Licence?
Yes. Some Sprinter 316 Landstars can be replated to a much higher MTPLM (the most it's allowed to weigh fully loaded) without mechanical changes, and trade press says every driver would then need C1. A car licence gained before 1997 usually includes it. Give the new weight when you quote.
What Base Vehicle Is My Lunar Built On?
It depends on the model and year. Early Roadstars used a Mercedes-Benz base, Champs a low Fiat chassis and the Camper Car a Nissan. Landstars are Mercedes-Benz Sprinters, and the 2016 to 2019 Roadstar and Telstar low-profiles use a Renault Master, with a Fiat Ducato Roadstar from 2018. Check your V5C and quote the base it shows.
Does My Lunar Insurance Work Abroad In The EU?
Yes, to the legal minimum at least. All UK policies carry third party cover for the EU, and you don't need a green card there or in places such as Switzerland, Norway and Iceland. Whether theft and damage are covered abroad depends on the policy, which often caps the days each year. Carry your licence, V5C and insurance details. A UK sticker is needed in Spain, Cyprus and Malta, and anywhere else if your plate doesn't show the UK identifier with the Union flag.
Will Keeping My Lunar At A Secure Site Lower The Price?
It can. Storage is priced on theft risk, so an accredited site may be rated more favourably than a driveway or street parking. CaSSOA is the UK accreditation scheme for secure caravan and motorhome storage, and it grades sites Silver, Gold or Platinum after a survey every 3 to 5 years. Some insurers discount accredited storage, so give the site's details accurately when you quote.
Can I Insure My Lunar If It's An Import?
Yes, after the paperwork. First comes vehicle approval, usually through the GB conversion IVA scheme for a motorhome approved and registered in the EU, then DVLA registration and tax. It must be insured before any UK road use, including the trip to a pre-booked MOT or approval test. Tell your insurer it's imported and whether it's left-hand drive.
Does A Heavy Lunar Count As An HGV?
Not for the MOT. Every motorhome takes a class 4 MOT regardless of weight (class 5 if it has 13 or more passenger seats), first due at 3 years, so it never goes for the HGV annual test. Tax is different, moving from Private/Light Goods to Private HGV above 3,500kg. Speed limits follow unladen weight, with the line at 3.05 tonnes, and heavier motorhomes are limited to 50mph on single carriageways and 60mph on dual carriageways.
What Happens Once I've Sent My Details?
Clean Green Cars uses details such as your licence, postcode and storage to introduce you to UK insurance providers and regulated brokers offering cover for your Lunar. From there you can compare prices, cover levels and extras, then decide whether to take out a policy.
Search & Compare Quotes From UK Lunar Motorhome Insurance Providers
Useful Resources
- GOV.UK - Driving A Motorhome - which licence covers each weight band, the maximum length and width, and the notice you need when a motorhome is taller than 3 metres.
- GOV.UK - Vehicle Tax Rates For Motorhomes - tax set by revenue weight, with Private/Light Goods up to 3,500kg and Private HGV above it.
- GOV.UK - Vehicle Insurance When Driving Abroad - the minimum third party cover all UK policies include in the EU, and which countries may still ask for a green card.
- CaSSOA - Storage For Caravan And Motorhome Owners - a directory of accredited storage sites around the UK, and how each site is surveyed and graded.
- Approved Workshop Scheme - Habitation Checks - the areas an approved check covers, including gas, electrics, water, heating, damp and seals, plus smoke and CO alarms.
