Frequently Asked Questions
1. What is campervan insurance?
Campervan insurance protects your camper, motorhome, or converted van against accidents, theft, fire, and damage. It also provides liability cover for injury or property damage to others.
2. Do I need campervan insurance in Ireland?
Yes. It is illegal to drive a campervan without insurance in Ireland. At minimum, you must have third-party cover, which protects other people and their property if you cause damage.
3. What types of campervan insurance are available?
- Third-party only – covers damage you cause to other vehicles or property.
- Third-party, fire and theft – adds protection against campervan fire or theft.
- Comprehensive – covers damage to your own campervan as well as third-party liability, with optional extras like personal belongings cover.
4. Does campervan insurance cover personal belongings inside the van?
Many comprehensive policies offer cover for personal items such as clothing, camping gear, and small appliances. Always check your policy wording, as certain items may require additional cover.
5. Can I insure a campervan for European travel?
Yes. Most Irish campervan policies provide EU-wide cover. For travel outside the EU, you may need a Green Card or additional cover. Always confirm with your insurer before travelling.
6. Does age or driving experience affect campervan insurance premiums?
Yes. Younger or less experienced drivers often pay higher premiums. Your driving history, claims history, and how long you’ve held a licence will all influence the cost.
7. Can I add optional cover to my campervan insurance?
Yes. Common extras include:
- Breakdown assistance
- Windscreen and accidental damage cover
- European travel extension
- Legal expenses cover
- Personal accident cover
8. Are there policies for older or classic campervans?
Yes. Specialist policies exist for vintage or high-value campervans, including agreed value cover and flexible mileage limits.
9. How do I make a campervan insurance claim?
Report the incident to your insurer as soon as possible, providing photos, documents, and details of any other parties involved. Your insurer will guide you through repairs, replacement, or compensation.
10. How can I get the best campervan insurance deal?
Compare quotes from multiple insurers, check for optional extras you need, ensure security measures are noted (like alarms or immobilisers), and review your policy for travel coverage and personal possessions protection.
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