Getting the Right Campervan Insurance: Coverage

Campervan use has surged across Ireland and Northern Ireland. Travel freedom, flexible accommodation, and scenic routes attract many owners. Yet this rise brings risk. In the latest statistics, Ireland recorded 155 road fatalities and 7,302 injury collisions .Although not all involve campervans, these figures show how road risks persist. Therefore, getting the right campervan insurance coverage matters. This guide helps owners in both Republic and Northern Ireland choose tailored protection.

Types of Campervan Insurance Coverage

First, Third‑Party Only (TPO) provides basic legal cover. It pays for damage or injury you cause to others. It does not cover your vehicle, possessions, or personal injury. Many owners choose higher cover.

Next, Third‑Party, Fire & Theft (TPFT) includes fire and stolen vehicle protection. It adds security if your van faces arson or theft. This option costs more than TPO, yet offers greater peace of mind.

Then, Comprehensive insurance delivers the fullest protection. It covers accidental damage to your van, regardless of fault. Plus, it often includes windscreen, personal injury, and contents cover. Some policies include extras like new‑for‑old replacement or breakdown support.

Additionally, many insurers support DIY conversion vans. Self‑build owners must disclose modifications. That includes solar panels, kitchen units, or pop‑up roofs Insurers require full transparency. Otherwise claims may be rejected.

Moreover, specific add‑ons enrich your policy. You can include European travel cover, personal belongings, awning, bike or generator cover. For example, many Irish policies provide personal contents cover up to €4,000 and bicycle cover up to €850. Clearly, understanding these options helps find the right match.

Benefits of Campervan Insurance

Firstly, campervan insurance protects your investment. These vehicles often cost significantly more than typical cars. Insurance guards against theft, fire, and accidental damage.

Secondly, it offers liability protection. If you injure someone or damage their property, the insurer covers legal and compensation costs. That shields you financially.

Thirdly, comprehensive policies usually extend to personal injury and contents. In remote areas, you might need access to key replacement, hospital benefit, or temporary accommodation. Such benefits matter when accidents occur far from home.

Fourthly, breakdown assistance often comes included or as an add‑on. Many Irish campervan policies include roadside help across Ireland, Northern Ireland, and Europe. If you break down, insurers arrange towing or recovery. That saves you worry on long trips.

Furthermore, overseas travel cover can be vital. Many owners take their campervans across EU countries. Some policies extend cover up to 365 days per year in other EU states.

Finally, tailored policies bring peace of mind. Insurers experienced with campervans understand unique risks. That ensures fair settlement and support when claims arise.

How to Choose the Best Campervan Insurance Policy

Start by identifying your campervan usage pattern. Do you use it only for holidays? Or is it your main transport? Insurers treat both scenarios differently. Holiday‑only vans usually cost less. If your campervan is your primary vehicle, premiums rise.

Next, choose the right level of cover. Frequent travellers and full‑time owners should consider comprehensive cover. Also, check if add‑ons match your needs, like European travel or breakdown cover.

Then review insurer experience in Ireland/Northern Ireland. Companies like Dolmen Insurance specialise in Irish campervan cover. They provide locally tailored quotes, Irish‑specific benefits, and support if a claim arises cusafe.ieDolmen InsuranceDolmen Insurance.

Investigate price drivers. Policy cost depends on vehicle value, location, mileage, age, claims history, and storage security. Owner‑fitted alarms or trackers reduce premium. 

Be transparent about conversions or accessories. Disclose kitchen installations, solar panels, or satellite TV. Do not hide DIY work. If the insurer discovers undisclosed modifications during a claim, they may refuse payment.

Also, look for no‑claims discounts. If you hold an existing car no‑claims bonus, some providers allow you to transfer it. That can significantly cut costs.

Check excess levels. Opting for a higher excess can lower premium, but means more cost if you claim. Balance your risk appetite accordingly.

Finally, scrutinise policy wording. Ensure you understand exclusions. Some policies exclude living‑in use or theft if windows are open overnight. Know breakdown assistance thresholds, personal accident cover limits, and European days covered.

Tips for Saving on Campervan Insurance

To save money, firstly improve vehicle security. Installing a Thatcham‑approved tracker or alarm can deliver significant discounts. Ask you broker if you park your van in a locked garage or secure driveway when not used, does it effect your premium.

Secondly, build up no‑claims bonuses. Avoid small claims if possible. Each claim resets your bonus and increases premiums.

Thirdly, limit drivers. Restrict named drivers to reduce premiums. Open‑drive policies cost more, so opt only if needed.

Fourth, consider mileage. Use your campervan sparingly. Lower annual mileage can lead to reduced premium.

Fifth, raise your voluntary excess. That can lower premium, but you must be able to afford the excess if you claim.

Sixth, insure early. Some providers offer discounts for early renewal or multi‑year policies.

Supporting Figures and Insurance Claims in Ireland

While specific campervan accident figures are rare, general road safety data offer insight. In the Republic of Ireland, 140 people died on roads in 2019 and 155 in 2022. Serious injuries reached over 1,359 in 2018, and around 1,424 in 2022 

These fatalities and injuries reflect risk for all road users, including campervan owners. Insurance claims follow similar trends. Although detailed campervan claims are not publicly published, insurers report rising campervan uptake and claims. For instance, UK insurer Atec sold over 10,000 motorhome policies in one year. That market growth likely signals similar Irish trends.

Thus, as more people invest in campervans, insurance claims rise too. This trend underscores the value of comprehensive cover.

Meanwhile in Northern Ireland, demand for motorhome insurance remains especially high. NI reportedly led the UK in demand per capita Belfast News Letter. That means owners must expect higher claim exposure and needs for tailored cover.

What next?

Campervans unlock freedom and adventure. Yet they come with risk. Proper campervan insurance protects your investment, passengers, and journeys. In Ireland, and Northern Ireland, it’s essential to choose the right coverage.

At Dolmen Insurance, specialist campervan cover focuses on Irish and Northern Ireland markets. Our experts deliver tailored policies, relevant extras, and rapid claims handling. We guide owners through all options.

Drive with confidence, travel safely, and enjoy the road ahead. Protect what you love with the right campervan insurance.

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.