Reasons To Compare Roller Team Motorhome Insurance
Value-Led, Still Varied
Trigano pitches Roller Team on value, yet a Livingstone campervan and a Pegaso A-class may be rated very differently. Several quotes show where your model sits.
Transit Or Ducato Underneath
With Ford under some ranges and Fiat under others, parts and repair costs may vary. Comparing shows how each provider treats yours.
Uprated Weights
A Pegaso uprated to 3,650kg or 4,400kg moves above the car licence limit. Clean Green Cars introduces you to UK providers, so you can compare quotes that reflect the weight on your plate.
Your Roller Team Motorhome Insurance Checklist
- Roller Team Specifics - Roller Team was founded in 2001 at the Cusona factory in San Gimignano, Tuscany, and is part of the Trigano group, which pitches it on value and reliability. In the UK it's distributed by its Trigano stablemate Auto-Trail, from Trigano House in Grimsby.
- The 2027 UK Line-Up - The range runs from the Livingstone campervan through the Kronos Compact, T-Line and Zefiro low-profiles to the Pegaso A-class. The Zefiro also comes as an overcab.
- Ducato Or Transit - The Livingstone and Pegaso sit on a Fiat Ducato, while the Kronos Compact and Zefiro use a Ford Transit. Tell your insurer which one yours is built on.
- 3,500kg With Upgrades - Pegaso models are plated at 3,500kg as standard, with optional Fiat upgrades to 3,650kg or 4,400kg. An uprated Pegaso needs C1 entitlement.
- UK-Handed, With One Exception - Trade press reports that all Roller Teams are UK-handed. The very first UK Pegaso 740 had its doors on the continental side, and a later version moved them.
- Sold Through UK Dealers - The UK site lists dealers and in-stock vehicles. Your dealer's paperwork records the model, base vehicle and any weight upgrade.
Does Your Roller Team Motorhome Have To Be Insured?
Yes. By law you need at least third party cover to drive your Roller Team on a road or other public place. GOV.UK says police can give you a £300 fixed penalty and 6 penalty points for it, recorded as an IN10. They can also seize the motorhome. If the case goes to court, the fine is unlimited and a ban is possible.
- Every Journey Counts - a ten-minute run to the MOT centre or the fuel station is still use on a public road. It needs the same cover as a fortnight on tour.
- Off The Road With A SORN - declare it SORN and keep it off the road, and the law no longer needs it insured. Laid-up fire and theft cover can still guard it over winter.
- No Cover And No SORN - the registered keeper of an uninsured motorhome that isn't declared off the road could get a £100 fine, see it clamped or impounded, or be fined up to £1,000 in court.
- Check The Small Print - a provider may set rules on where it's kept, the locks fitted or habitation checks. Break one and a claim can be affected. See the motorhome insurance guide for the bigger picture.
Which Licence Does Your Roller Team Need?
Habitation Checks And Cover For Your Roller Team
For a motorhome in private use, the law doesn't demand a habitation check. Most manufacturers do advise a yearly one, and some warranties and insurers set it as a condition. These are the three areas where habitation cover tends to matter most.
Body, Seals And Damp
Rain can creep in at a roof light, a window frame or a joint long before you see a stain. Damp readings taken at a yearly check give you a dated note of the body's state. That record can help if a claim ever comes up.
Heater, Fridge And Gas
The hob, fridge, space heater and water heater are fixed in the living area. They're normally covered under the habitation section, not the motor part. Private motorhomes fall outside the gas safety regulations, but an Approved Workshop Scheme check still tests the gas system.
Awning, Panels And Kit
The awning, any roof solar panels and the gear you load up usually come under habitation or contents cover. Each policy has a contents limit. Look at yours and name pricier things, like e-bikes or a camera, separately.
Comparing Cover Levels For Your Roller Team
With third party only, there's no payout for the motorhome if your Roller Team is stolen from its storage site. Here's how the three levels of cover usually stack up.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Damage or injury to other people and their property (legal minimum) | Yes | Yes | Yes |
| Your Roller Team stolen or damaged by fire | Yes | Yes | No |
| Damage to your own Roller Team in an accident | Yes | No | No |
| Habitation section (appliances, fittings, awning) | Often included | Provider-dependent | No |
| Your own things carried on board | Often included up to a set limit | Provider-dependent | No |
| Agreed value payout | Often available on request | Provider-dependent | No |
| Glass, including the windscreen and windows | Usually included | Provider-dependent | No |
| Minimum legal third party cover in the EU | 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 (no lost excess when not at fault) | Often included | Provider-dependent | No |
Features, limits and conditions change from one provider to the next. Read the policy wording before you buy.
Cover Tip: With agreed value on a comprehensive policy, the payout figure is set at the start. That can make a write-off on a rarer motorhome easier to settle. Check how the awning, solar panels, contents and habitation section are covered, and what happens if a habitation check is missed.
Common Gaps In A Standard Motorhome Policy
Your Roller Team claim can fall over a single line in the wording that nobody read. Here are the gaps a standard motorhome policy often has.
Standard Exclusions
- Too Heavy For The Licence You Hold - Car licence only and a petrol or diesel motorhome plated over 3,500kg? Then you're not licensed to drive it without C1 or pre-1997 rights, and your insurer can refuse the claim. Before a trip, compare the weight on the V5C with what your online licence record shows.
- Missing A Habitation Check Your Policy Asks For - Some policies make a regular habitation check a condition of cover. Miss one and a claim for damp, gas or appliance damage may be turned down. File every dated certificate with your policy papers, ready to show.
- Keeping It Somewhere Other Than Agreed - Your policy may name where the motorhome is stored or the security it needs. Leave it somewhere less secure, even for a few nights, and a theft or vandalism claim may suffer. Tell your insurer before you move it.
Important Limitations
- Undeclared Add-Ons And Alterations - A new awning, roof solar, a lithium battery, a satellite dish, a bike rack or a changed layout all affect value and risk. Mention every one when you get a quote. Kit you leave out may not be covered, or the payout may be reduced.
- Renting It To Other People - Letting other people hire your Roller Team, or carrying paying passengers or goods, isn't covered by a private motorhome policy. You'd need specialist hire cover. A motorhome hired out as a business also falls under the gas safety regulations.
- Overstaying The Foreign Travel Limit - Many policies give full cover abroad for a set number of days each year. Go beyond that and you may drop to the legal minimum third party cover. Check the limit in the wording before a long trip, and add days ahead of time if you need them.
Extras You Can Add To Roller Team Cover
A breakdown on a long trip without suitable cover can leave you with a big bill to move a motorhome. These optional extras may suit your Roller Team.
Gives your Roller Team more days of full cover abroad than the standard policy allows. It may suit you if you tour the continent for several weeks at a time rather than staying mostly on UK sites.
Roadside repairs and recovery arranged for vehicles the size of a motorhome, with trucks that can carry a long, heavy coachbuilt. Breakdown cover built around cars may not have the kit to move one.
Phones, tablets, laptops, cameras and drones brought along on a trip can soon pass the contents limit. Gadget cover protects the portable electronics you take in the motorhome, on the road or at home.
May help you get back costs your policy won't pay, such as your excess or injury losses, after a crash that wasn't your fault, at home or abroad.
What Goes Into The Price Of Roller Team Cover?
Value, overnight parking and yearly miles are three of the main things that move the price of Roller Team cover. Here's what insurers look at.
| Key Factor | Impact on your price |
|---|---|
| Roller Team range and weight option | A Livingstone campervan, a Transit-based Zefiro and a Pegaso A-class differ in value and repair cost. An uprated 3,650kg or 4,400kg Pegaso adds a licence check, and providers may rate it differently. |
| Driver age and history | Older drivers with years of claim-free driving often get lower quotes. Younger drivers, or people new to a vehicle this big, may pay more, and some providers have their own age limits. |
| Your postcode | Postcodes where more vehicles get stolen and more claims are made tend to cost more, even for an identical motorhome and driver. |
| Where it's kept at night | A storage site graded Silver, Gold or Platinum by CaSSOA may bring the price down. A home drive and a space on the street carry different risks, and each provider scores them in its own way. |
| Miles a year | Motorhomes often spend most of the year parked. Give an honest estimate of your yearly miles so the quote is fair and a later claim isn't put at risk. |
| Weight on the plate | Plated above 3,500kg, a petrol or diesel motorhome calls for C1 and falls into the Private HGV (TC10) tax class. Some providers rate heavier motorhomes differently from those at 3,500kg or under. |
| Imported or UK registered | Before an import goes on UK roads, it has to be approved and then registered with DVLA. Mention to your insurer that it came from abroad, as some providers may price imports differently. |
| Habitation history | Dated certificates from recent habitation checks can support the quote. Where checks are a policy condition, a missed year might change the price or how a later claim goes. |
| Security devices | Fitting an alarm, a wheel clamp or a tracker makes theft harder. Once the value goes past a certain point, some insurers only offer cover with approved devices fitted. |
| Claim-free years | A record with no recent claims tends to lower the price. Not every provider will accept no-claims earned on a car or another vehicle, so ask when you get a quote. |
| Level of cover and agreed value | Comprehensive cover with agreed value can carry a higher price than market value cover. The trade-off is that the payout figure is fixed when you buy, not debated after a write-off. |
Each quote is based on your own details and your motorhome.
Price Insight: Providers weigh value, storage, security and driving history in different ways. So one Roller Team can get quite different prices from two of them. Lining up several quotes at renewal, instead of letting the old policy carry on, shows you how far apart they are.
How To Help Bring Down Your Roller Team Premium
Letting the renewal go through untouched may mean your Roller Team costs more to insure than it needs to. These steps may help lower the price.
Give The Exact Range Name
Pick Zefiro, Kronos Compact, T-Line, Pegaso or Livingstone rather than just Roller Team, and say whether a Zefiro is the overcab or the low-profile. The two share a name but not a body shape.
Fit A Tracker And Renew Its Subscription
Keep it running all year, not just in the touring season. On a motorhome worth more, it may lower the quote, and some providers insist on one above a set value.
Get A Habitation Check Each Year
Use an Approved Workshop Scheme workshop once a year and file the certificate. You get a dated record of condition, and it may meet a policy or warranty condition as well.
Give A Realistic Mileage
Add up the miles from a typical year of holidays and weekends away. Too low a figure can cause problems with a claim. An accurate low figure may help keep the price down.
Ask About Agreed Value
Check whether a provider offers agreed value cover. It can add a little to the price. In return, the payout is set from the start, with no dispute over the motorhome's value after a write-off.
Pay Annually If You Can
Pay for the year upfront if that's affordable for you. Paying monthly usually adds interest (shown as APR), so the total for the year can end up higher.
Saving Tip: A motorhome that looks well cared for and hard to take tends to sit better with insurers. Storage at a CaSSOA-accredited site, a working tracker and dated habitation certificates all show that. Some insurers offer a discount for CaSSOA storage. Honest mileage and a clean licence can help as well.
How To Compare Roller Team Quotes
Comparing Roller Team motorhome quotes from UK insurance providers is quick, usually a few minutes. Get started above when you're ready.
Add Your Details
Enter your Roller Team model, year, value, postcode and rough yearly mileage. It only takes a few minutes.
Match Your Licence To The Weight
Note which licence categories you have and the plated weight shown on the V5C. The quote should match a motorhome you're legally allowed to drive.
Compare The Three Cover Levels
Put the three levels side by side: comprehensive, third party fire and theft, and third party only. Read what each one says about habitation, the awning and Europe.
Pick Your Extras
Decide if extras like longer European cover, motorhome breakdown, gadget cover or legal expenses suit your Roller Team trips.
Set Your Start Date
Choose when you want cover to begin. Your certificate and policy documents arrive from the provider after payment.
What Our Expert Says
The Pegaso's 3,650kg upgrade sounds like a small step, but it's 150kg over the car licence limit. That's enough to need C1 entitlement, the same as the bigger 4,400kg option. If you passed your car test after 1996, read the plate on any used Pegaso before you buy.
The heavier plate may also change how some providers rate the motorhome, so give the plated figure rather than the 3,500kg standard, and check every named driver against it. A pre-1997 car licence usually includes C1, so many longer-standing drivers are already licensed for it.
If you're looking at an early UK Pegaso 740, look at the doors too. Trade press says the first version had its habitation and cab doors on the continental side before a revised model moved both. Tell your insurer if yours is one of those.
Insurance Expert & Co-founder of Clean Green Cars
Roller Team Motorhome Insurance FAQs
Are All Roller Team Motorhomes UK-Handed?
Almost all of them. Trade press says that, unlike most continental imports, all Roller Teams are UK-handed. The one exception it mentions is the very first UK Pegaso 740, which had its doors on the continental side before a later version moved them. If you own one of those early models, say so when you quote.
Does A Roller Team Pegaso Need A C1 Licence?
Only if it's been uprated. Pegaso models are plated at 3,500kg as standard, which a car licence covers. Roller Team offers Fiat upgrades to 3,650kg and 4,400kg, and either one needs C1, which a pre-1997 car licence usually includes. The weight plate shows which version you have.
Who Distributes Roller Team In The UK?
Auto-Trail. Roller Team's UK distribution is handled by its Trigano stablemate Auto-Trail, from Trigano House in Grimsby, and models are sold through UK dealers. Keep the dealer's handover documents, as they show the range, base vehicle and any weight upgrade a provider will want to know about.
Can I Take My Roller Team Abroad On A UK Policy?
Yes, with at least the legal minimum. All UK policies carry third party cover for the EU. You don't need a green card there, or in Switzerland, Norway, Iceland and a handful of other countries. Theft and damage cover abroad varies by policy, and many cap the days each year. Pack your licence, V5C and insurance details. Show a UK sticker in Spain, Cyprus and Malta, and anywhere else if your plate lacks the UK identifier with the Union flag.
Will Storage Affect My Roller Team Insurance Price?
Often, yes. Insurers look at theft risk, so a CaSSOA-accredited site may be priced more favourably than a driveway or a roadside space. CaSSOA is the UK accreditation scheme for secure caravan and motorhome storage. It surveys sites every 3 to 5 years and grades them Silver, Gold or Platinum. Some insurers offer a discount for accredited storage, so give the exact site when you quote.
Can An Imported Roller Team Be Insured In The UK?
Yes, once it's approved and registered. First comes vehicle approval, usually the GB conversion IVA scheme for a motorhome already approved and registered in the EU. DVLA registration and tax follow. Cover must be in place before it's driven on a UK road, even on the way to a pre-booked MOT or approval test. Let your insurer know it's an import, and whether it's left-hand drive.
Will A Heavier Roller Team Need The HGV Test?
No. Every motorhome takes a class 4 MOT, or class 5 with 13 or more passenger seats, first due at 3 years. That means no HGV annual test, however heavy it is. Tax does switch at 3,500kg, from Private/Light Goods to Private HGV. Speed limits split at 3.05 tonnes unladen weight, not MAM. Over that, the limit is 50mph on a single carriageway and 60mph on a dual carriageway.
What Happens Once I Send My Details?
Clean Green Cars puts you in touch with UK insurance providers and regulated brokers that cover your Roller Team, using details like your licence, postcode and where it's stored. You can then weigh up cover levels, prices and extras before you decide whether to buy a policy.
Search & Compare Quotes From UK Roller Team Motorhome Insurance Providers
Useful Resources
- GOV.UK - Driving A Motorhome - the licence category for each motorhome weight, the length and width limits for registration, and the height notice for motorhomes taller than 3 metres.
- GOV.UK - Vehicle Tax Rates For Motorhomes - explains that revenue weight decides the tax class, with Private/Light Goods at 3,500kg or under and Private HGV over it.
- GOV.UK - Vehicle Insurance When Driving Abroad - what every UK policy gives you by law for driving in the EU, plus the places where a green card may still be needed.
- CaSSOA - Storage For Caravan And Motorhome Owners - search for an accredited storage site near you and see how CaSSOA surveys sites and decides their grade.
- Approved Workshop Scheme - Habitation Checks - what a habitation check under the scheme includes, such as gas, electrics, water, heating, damp and seals, and smoke and CO alarms.
