Campervanning across Ireland and Northern Ireland has become an increasingly popular lifestyle and travel choice. With its breathtaking coastal routes, lush green countryside, and picturesque small towns, the island offers an ideal backdrop for campervan adventures. More individuals and families are embracing the freedom of travelling with their own mobile accommodation. A drive along any part of the Wild Atlantic Way, will see a hundreds of campervans lying the laybys and towns. Yet, with this freedom comes a very real responsibility: securing proper insurance coverage. Campervan insurance is not just a legal necessity but also a practical safeguard. It offers financial protection, peace of mind, and a sense of security whether you're venturing down a quiet country lane or cruising the Ring of Kerry. In this guide, we’ll explore the types of campervan insurance available, the benefits of proper coverage, how to choose the best policy, and smart ways to save money, especially for owners based in Ireland and Northern Ireland.

Types of Campervan Insurance Coverage

Understanding the types of campervan insurance available is crucial for anyone planning to drive across the island. In both Ireland and Northern Ireland, policies typically fall into three core categories, each offering varying degrees of protection.
First, there's Third-Party Only (TPO) insurance. This is the most basic and legally required type of coverage for any motor vehicle on public roads. TPO covers any damage caused to another person’s vehicle or property if you’re found to be at fault in an accident. It also includes liability for injuries to other people, which makes it a critical, albeit minimal, form of protection. However, it’s important to note that TPO does not cover damage to your own campervan or any personal injuries you might suffer.

A more robust option is Third-Party, Fire, and Theft (TPFT). This includes all the features of TPO but adds extra layers of protection. It covers your campervan if it is stolen or damaged during an attempted theft. Furthermore, it provides coverage in the event of fire damage, which is particularly valuable given the additional risk posed by onboard cooking equipment and fuel storage commonly found in campervans.

Comprehensive insurance provides the highest level of protection. It includes all the benefits of TPO and TPFT while also covering accidental damage to your own vehicle, regardless of fault. This type of policy typically includes coverage for windscreen damage, personal injuries to the driver and passengers, and even contents insurance for personal items stored inside the van. Some policies also extend to replacement locks and keys, a useful feature for vehicles often parked in remote areas.

In addition to these core coverage types, many insurers offer optional add-ons that can enhance your policy. European travel cover, for instance, is essential if you plan on taking your campervan across borders. Breakdown assistance ensures that you’re not left stranded in case of mechanical failure. Legal expense coverage can be useful if you 

Benefits of Campervan Insurance

Opting for campervan insurance goes far beyond meeting legal requirements. It offers several practical and emotional benefits that help you enjoy your journey with confidence and ease.

One of the most important benefits is financial protection. Accidents, unfortunately, are part of driving life, even for the most careful motorist. Campervans, due to their size and mechanics, can be expensive to repair. Comprehensive insurance covers the cost of repairs or even full replacement if the van is written off. Additionally, the policy can cover third-party damages, medical expenses, and legal fees. This prevents minor mishaps from turning into major financial burdens.

Peace of mind is another significant advantage. Knowing you’re covered allows you to focus on the joy of travelling rather than the stress of potential setbacks. Whether you're navigating the steep roads of Glengesh Pass or parking up near Giant’s Causeway, insurance gives you the mental freedom to explore without fear. Emergency services, such as roadside assistance and accommodation cover, are often included in comprehensive policies, adding another layer of comfort.

Legal compliance is yet another benefit that cannot be overlooked. In both Ireland and Northern Ireland, driving without insurance can result in severe penalties. These include hefty fines, penalty points on your license, and potentially even having your vehicle seized by authorities. By securing a valid insurance policy, you ensure that you're not just safe but also compliant with local laws.

A less commonly discussed but increasingly relevant benefit is protection against uninsured drivers. In 2023, there were 1,927 claims related to accidents involving uninsured or untraced drivers in Ireland. That figure represents an 11% increase from the previous year. These types of accidents can be particularly frustrating for insured drivers, but a comprehensive policy ensures you’re not left to cover the costs on your own. According to the Motor Insurers’ Bureau of Ireland, the cost of these claims adds approximately €35 to every motor insurance policy, further underscoring the importance of being covered.

How to Choose the Best Campervan Insurance Policy

Choosing the right campervan insurance policy can be overwhelming, especially with so many options on the market. However, breaking down the process into manageable steps can help you make a well-informed decision that suits your unique needs.

Start by assessing your usage. How often do you use your campervan? Is it for occasional weekend trips, or do you live in it full-time? The frequency and nature of use significantly influence the type of coverage you need. Similarly, think about where you plan to travel. If you intend to explore mainland Europe, be sure to include European coverage in your policy. Also, consider the value of personal items stored in the van. High-value electronics, cooking gear, and camping equipment may require additional contents insurance.

Next, compare providers. Not all insurers are created equal. Some specialise in campervan and motorhome insurance and may offer more tailored options than general motor insurance providers. Look for companies with strong reputations, excellent customer service, and transparent policies. Reviews and testimonials from other campervan owners can offer useful insights.

Understanding policy details is critical before making any commitment. Take the time to read the fine print, paying close attention to what is excluded. Check the policy’s excess amount—the sum you’ll need to pay in the event of a claim. Also, verify coverage limits for things like contents and travel distance. Some insurers cap the number of days you can spend outside of the country, so ensure the limits align with your travel plans.

Consider the benefits of joining a campervan or motorhome club. Membership in organisations like the Motor Caravan Club of Ireland can offer several advantages, including discounted premiums, access to exclusive insurance providers, and expert advice from experienced travellers. Many clubs also provide free resources such as trip planning tools and safety checklists, enhancing the overall campervan experience.

Tips for Saving on Campervan Insurance

While comprehensive campervan insurance offers vital protection, there are ways to keep costs manageable without compromising coverage.

One straightforward method is to increase your voluntary excess. By agreeing to pay more out-of-pocket in the event of a claim, you can often lower your premium. However, this strategy requires careful budgeting to ensure the excess amount is affordable if the worst happens.

Installing security features is another effective way to reduce premiums. Modern alarms, immobilizers, and tracking devices not only deter theft but also make your campervan less risky in the eyes of insurers. Some companies even offer premium discounts for vehicles equipped with approved safety technology.

Reducing your annual mileage can also help. If your campervan is used primarily during holidays and not for daily commuting, you may be eligible for a lower rate. Be honest about your driving habits during the quote process, as insurers use this data to assess risk.

Bundling insurance policies is a time-tested method for saving money. If you already have home or car insurance with a provider, ask about multi-policy discounts for adding campervan coverage. Many insurers offer substantial savings for loyal customers who bundle multiple products.

Maintaining a clean driving record is one of the most reliable ways to secure lower premiums. Safe drivers are less likely to file claims, making them more attractive to insurers. Avoiding speeding tickets, accidents, and penalty points helps keep your insurance costs down over time.

Final Thoughts on the Value of Campervan Insurance

The growing popularity of campervanning in Ireland and Northern Ireland means more people than ever are investing in these versatile vehicles. But with this investment comes the need for protection. In 2023, the total cost of settled motor insurance claims in Ireland reached a record €693 million. Damage claims alone accounted for 53% of this figure, highlighting the financial risks involved in road travel. Additionally, the cost of claims involving uninsured or untraced drivers continues to rise, placing further emphasis on the value of strong insurance coverage.

Campervan insurance is more than just a legal formality. It’s a comprehensive safety net that ensures your adventures remain enjoyable and stress-free. By understanding your options, choosing the right policy, and employing cost-saving strategies, you can travel with the peace of mind that comes from knowing you’re fully protected.

At Dolmen Insurance, we understand the unique needs of campervan owners across Ireland and Northern Ireland. Our experienced team is here to help you find a policy that matches your lifestyle, travel plans, and budget. Whether you're a seasoned van-lifer or just beginning your journey, we’re committed to keeping you covered every mile of the way.

If you are looking for affordable, comprehensive cover, consider Dolmen Insurance. Get in touch today to discuss all your insurance options and explore the benefits of working with Dolmen Insurance. Whether it's Commercial Insurance, Mortgage Protection to Life Insurance , home insurance or car insurance we have you covered.

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Disclaimer: This blog post is intended for informational purposes only and should not be considered legal or financial advice. Always consult a professional insurance advisor to discuss your specific requirements.