This is a common scenario we hear about from readers. Your insurer's underwriter has likely tightened their risk profile, placing a strict upper age cap on new or renewing policies.

At 81, mainstream direct insurers will increasingly refuse quotes, so the specialist market is your best bet. Your no claims record and the addition of a younger named driver actually make you a highly appealing prospect to specialised brokers.

Your first port of call should be Saga, who specialise in the over-50s market and explicitly have no upper age limit on their motorhome policies, while easily accommodating younger named drivers.

Next, contact dedicated specialist leisure brokers like Comfort Insurance (underwritten by Aviva), Safeguard, or Adrian Flux. Unlike automated mainstream systems, these specialists manually assess risks and routinely write policies for drivers well into their 80s and 90s.

Because you drive other vehicles, you should also look into Sterling Insurance. They offer tailored over 80s policies and specialise in multi-vehicle cover, meaning they can often mirror your 10+ years of No Claims Bonus across both your motorhome and daily car, saving you significantly.

Do not try using online comparison sites, as their automated filters will often block an 81-year-old motorhome driver. Instead, pick up the phone to Saga or Comfort Insurance - a human underwriter will look at your 10 years of claims-free history rather than just your date of birth.