We used to be with Saga, they cover 365 days a year. Their premiums went up, so now we're with Comfort, who also cover 365 days a year.
That's not quite the same as fulltiming insurance. Comfort and MHF who both use Aviva policies ask that you maintain and normally live in a UK property. If you do not then you have to request a fulltiming policy which is considerably more expensive.
Location: Somewhere in Europe, check out my blog for up to date location
My Motorhome: Damon Daybreak RV
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I have just taken out fulltiming insurance with MHF and you don't need a residency address in the UK but do need a "care of" address. The other requirement is you do actually have to live in your MH full time hence why I am sleeping in it outside our house till we vacate it in January.
As for cost difference sorry I have no idea as never had a quote for normal insurance on a MH. Although I thought MHF cost for the year was not bad at all.