The build

Excuse my ignorance but do all solar panels poduce 12v electicity that needs to either be stored in a battey or bumped up to 240v (with an inveter I would imagine?) for home use or to sell back to the electicity boad? Or do home solar panels actually provide 240v?
My motohome has two solar panels which charge an onboard battey for my lighting and running 12v electics, but to supply 240v when not on hook-up I would need to add an inverter.
The other thing is that even if the sun isn't shining the panels will still charge to a certain degree won't they? I was born much too early for all this technology!