Motorhome kit · updated 2026
Motorhome, campervan and caravan insurance in France kit
Who it is for: English speakers living in France who own or are buying a motorhome, a campervan, a caravan or a trailer
- 10chapters
- 8French letters, translated
- 27checklist items
- 17tables
- 7links to the official texts
Checked before every release
Reviewed by industry professionals
- 38automated testsrun at every release: prices, links, pages and content checked before publication.
- 7links to the textsevery rule and deadline linked to the official French text.
- 23 October 2026last updaterules checked on this date; you always read the latest version.
Built from the texts and data of Service-public.fr, Légifrance, La Médiation de l’assurance, EUR-Lex, ANTS.
€24VAT included · one payment · instant access
10 chapters online (the licence for each weight, VASP registration, a grid to read French policies, winter lay-up, renting out, claims and 8 French letters translated). €24, VAT included, one payment, instant access, printable to PDF, invoice by email.
Get the kit — €24 Read chapter 1 free
As described, or refunded · updates included, at no cost · terms of sale
For €65 more: Insurance in France: the complete expat pack, 7 titles, €12.71 per title.
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What you get
- The complete kit: 10 chapters (the licence for each weight, VASP registration, a grid to read French policies, winter lay-up, renting out, claims and 8 French letters translated)
- Included: 8 letter templates, 27 checklist items, 16 tables
Insure a motorhome, a converted van, a caravan or a trailer in France properly: the licence you need for each weight, the registration, a grid to read a French policy, winter storage, renting out, travel, claims, and 8 French letters translated.
Who it is for
- English speakers living in France who own or are buying a motorhome, a campervan, a caravan or a trailer
- Owners converting a van themselves who need to know when and how it can be insured as a motorhome
- Anyone unsure which French licence category is needed to tow a caravan or drive a heavy motorhome
- Owners who store their vehicle for the winter, rent it out, or travel across Europe with it
Contents of the complete kit
- Five vehicles, five sets of rules: what French law requires (free extract below)
- Licence, weights and registration: be compliant before you insure
- Reading a French motorhome or campervan policy: the grid
- Caravans, trailers and static homes: who covers what
- Winter storage, lending and renting out
- Travelling in Europe and beyond
- Claims on a motorhome, campervan or caravan
- Six worked cases
- Eight letter templates in French, with translation
- Checklists, calendar and glossary
Included : 8 letter templates, 27 checklist items, 16 tables.
Introduction
A motorhome is neither a car nor a house, and that is exactly what makes insuring it in France tricky. It is driven like a vehicle, it can be rented out, it stays still all winter, it carries valuable belongings, and its conversion (habitation unit, solar panels, awning, bike rack) can be worth as much as the base vehicle. Caravans and trailers add another question: who covers them when they are hitched, and who covers them when they are not? This kit answers these questions in the order you meet them: before buying (licence, weights, registration), when taking out a policy, during the life of the vehicle (winter, renting out, travel) and after a claim.
The rules are those of the French Insurance Code (code des assurances), Highway Code (code de la route) and Planning Code (code de l'urbanisme) in force on 23 October 2026. The licence rules are those given on the official page Service-public.fr F2827, last checked by the administration on 9 March 2026. Letters to your insurer must be in French: each template in chapter 9 is in French, followed by its English translation so that you know what you sign.
How to read it: chapter 1 sorts the vehicles and what the law requires for each; chapter 2 covers licence, weights and registration; chapter 3 gives the grid to read a French policy; chapter 4 is about caravans, trailers and static homes; chapter 5 covers winter storage, lending and renting out; chapter 6 travel; chapter 7 claims; chapter 8 six worked cases; chapter 9 the letters; chapter 10 checklists, calendar and glossary.
Five vehicles, five sets of rules: what French law requires
The starting table
| Vehicle (French term) | What it is legally | Third-party liability | What to check first |
|---|---|---|---|
| Motorhome (camping-car, autocaravane) | A motor vehicle fitted for living, registered as such | Compulsory as soon as it can be driven, even when parked (Insurance Code, art. L211-1) | Its gross vehicle weight (PTAC) and your licence |
| Converted van (fourgon aménagé) | A van that has been converted; it remains a van until its registration is changed | Compulsory, like any motor vehicle | The vehicle type on the registration certificate: it decides how the insurer sees it |
| Caravan (caravane) | A towed habitable vehicle without an engine, which the Highway Code allows on the road (Planning Code, art. R111-47) | Trailers fall within the motor vehicle's compulsory insurance (art. L211-1) | Its gross weight: 500 kg and 750 kg are the two thresholds that matter |
| Trailer (remorque: luggage, bike, motorbike) | A towed vehicle without an engine | Same rule as a caravan | Its gross weight and the trailer clause of the car policy |
| Static caravan / mobile home (mobil-home, résidence mobile de loisirs) | A transportable dwelling that the Highway Code forbids on the road (Planning Code, art. R111-41) | No motor insurance: it is insured like a home | What the campsite requires (a liability certificate) |
What compulsory cover pays, and what it does not
Article L211-1 of the Insurance Code requires anyone whose liability may be engaged by a land motor vehicle, and by its trailers or semi-trailers, to be insured for damage caused to others. This is the legal minimum, called responsabilité civile or au tiers. It pays the people you injure and the property you damage. It pays nothing for:
- your own vehicle (bodywork, habitation unit, engine);
- its fittings inside and out (furniture, electrics, solar panels, awning, satellite dish, bike rack);
- what you carry (bikes, equipment, personal belongings);
- your own injuries as a driver at fault.
Everything else depends on optional cover, and that is where the quality of a leisure vehicle policy lies.
Three questions that prevent most refused claims
- Is the vehicle declared as it really is? Registration type, conversion, value, usual parking place. An inaccurate statement can reduce the payout, or void the policy if it is intentional (art. L113-8 and L113-9).
- Is your real use the use in the policy? Private use, renting to third parties, travel outside Europe, living in the vehicle all year: each changes the risk and must be declared (art. L113-2).
- Do the ceilings match the value? A policy may pay new-for-old for two years and then at expert valuation, and cap contents at a fixed sum whatever their value. Both figures are in the schedule (conditions particulières).
If you are moving to France with your motorhome
Once you are resident in France, a vehicle you keep must be registered in France, within one month of settling according to the official guidance. Your foreign insurer will usually stop covering a vehicle whose owner lives abroad, or once it is registered in another country: ask it in writing how long it covers you, and take out a French policy before that date. A French insurer can cover a vehicle with foreign plates while the French registration is under way; tell it so.
Free guides, this kit or the complete pack
The free guides explain the rules. The kit gets it done: the steps in order, the deadlines and the letters.
Free guides
€0
free on this site
- ✓The rules explained, official texts cited
- —The steps in order, with the deadlines
- —8 French letters with their translation
- —27 checklist items
- —Bookmark it or print it to PDF
- —Plus 5 more kits and the complete guide to car, home and health insurance in France
Motorhome kit
€24
VAT included, paid once
- ✓The rules explained, official texts cited
- ✓The steps in order, with the deadlines
- ✓8 French letters with their translation
- ✓27 checklist items
- ✓Bookmark it or print it to PDF
- —Plus 5 more kits and the complete guide to car, home and health insurance in France
Complete expat pack
€89
6 kits + a 13-chapter guide; the 6 kits alone cost €90
- ✓The rules explained, official texts cited
- ✓The steps in order, with the deadlines
- ✓8 French letters with their translation
- ✓27 checklist items
- ✓Bookmark it or print it to PDF
- ✓Plus 5 more kits and the complete guide to car, home and health insurance in France
As described, or refunded · updates included, at no cost
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VAT included, paid once
The price shown is the total. No subscription, nothing charged later.
Sources you can check
7 links to the official French texts (Légifrance, Service-public…). Not an insurer, not a broker: the kit explains the rules and sells no policy. Terms of sale.
Frequently asked questions
How do I receive the kit?
Right after payment, the confirmation page gives you the link to the complete kit, also sent by email. Bookmark the kit page or print it to PDF (Ctrl+P or Cmd+P, “Save as PDF”). Stripe also emails you the receipt.
Do I get an invoice?
Yes: Stripe generates the invoice and emails it to you.
Is the payment secure?
Yes: you pay once on our checkout page secured by Stripe, with no subscription. Your card details never go through our servers.
What is the guarantee?
The kit is guaranteed as described: if access fails or the content does not match, we restore your access or refund you (terms of sale). It is updated at no cost when the rules change. Contact: admin@tech-bharat.com.
Who publishes the kit?
Claude Assur, an independent information publisher, not an insurer, a broker or a lawyer: the kit explains the general rules and gives you the method and templates; only the official texts and your policy are authoritative.
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