Motorhome breakdown cover over 3,500kg: who covers what

Provider limits for motorhomes

Every figure below was read on the provider's own web page or policy document on 15 September 2026 (links in the sources). "None" means the provider states there is no limit. "Not stated" means the page or policy we read gives no figure, which is not the same as no limit. Prices are the provider's own "from" figure on that day, not a quote for your vehicle.

The short version, by situation

• 3,500 kg or under, up to 6.4 m long: any of the big three will take you on standard cover. Check width on an A-class: 2.55 m is the DVLA maximum, so most vans fit, but mirrors and awning boxes are excluded from the AA's measure, not necessarily from others'.
• 3,500 kg or under but over 6.4 m: the RAC's standard cover stops at 6.4 m including the tow bar; Green Flag goes to 7 m; the AA's April 2025 terms give no length cap at all.
• 3,501 kg to 7,500 kg: Britannia Rescue's standard policy covers motorhomes to 7.5 tonnes and 8 m from £33 a year (Roadside Assist) or £73 (UK Recovery), as long as the van is "a recognised make and model which has been coachbuilt for that precise purpose". MAYDAY and RAC Arrival Motorhome have no cap. Caravan Guard and Comfort bundle unrestricted recovery with their insurance.
• Over 7,500 kg or an American RV: only the "no size or weight restrictions" products (RAC Arrival Motorhome, MAYDAY, Caravan Guard, Compare Breakdown Cover) go that far. Caravan Guard names American RVs; the RAC says its cover "should cover most RVs". No provider we read states a 7,500 kg figure.
• Self-build or unusual conversion: Britannia's "coachbuilt for that precise purpose" wording and MAYDAY's "standard make" condition can exclude you; Comfort ties cover to the DVLA body type. Ask before you buy. See self-build campervan insurance requirements.
• Europe: RAC standard European cover is 3,500 kg GVM, 7 m, 3 m high, 2.55 m wide; RAC Arrival European has no size or weight restrictions. Britannia's UK and European Assist is £152 a year on the same 7.5 t motorhome limit.

What the exclusions actually say

Nobody we read publishes an outright A-class or American RV exclusion. The qualifiers that matter are: MAYDAY, "so long as it's of standard make" and "This policy does not provide cover for 5th wheelers"; Britannia Rescue, "Motorhomes - must be a recognised make and model which has been coachbuilt for that precise purpose"; Comfort (ARAG wording 01.2025), the vehicle must be registered with DVLA "as either a motorhome, motor caravan, a campervan or van with side windows", with extra charges excluded for "aftermarket modifications" and for specialist equipment where modifications were not declared; RAC, "should cover most RVs". Start Rescue lists "Campervans, buses, limousines, motorhomes, horseboxes" under what cannot be covered at any weight.

Check the weight before you buy cover

Gross vehicle weight (also called MAM, MTPLM or revenue weight) is stamped on the VIN plate, usually in the cab door aperture or under the bonnet, and recorded by DVLA. Many 3,500 kg vans have been re-plated to 3,650 kg or more, which changes the breakdown product you need and the licence you need to drive it. The free DVLA summary on this site shows the revenue weight DVLA holds; the road tax checker uses the same field. On a used purchase, also run the £4.99 history check for finance and write-off records, and read the motorhome FAQ for the licence and MOT rules that follow from the weight.