Campervan insurance is mandatory to drive legally on Irish roads and will protect you if you are responsible for an accident while driving your campervan. Campervan insurance may also offer protection for the campervan and its contents.
You love hitting the road in your campervan but they can be tricky (and expensive) to insure.
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What is campervan insurance?
Campervan insurance offers protection for driving your campervan as well as for the campervan itself.
Mobile home insurance is primarily intended to offer protection for static or fixed in place mobile homes. Even if it offers cover for transport of the mobile home it is intended that the mobile home will remain in situ when it is used.
Campervan insurance offers similar protection to mobile home insurance for the campervan itself but also has an element of motor insurance as you will be mobile in your campervan and will need protection in the event of a road traffic accident.
Types of campervan insurance
Campervan insurance is legally required to drive a campervan in Ireland. Campervan insurance may be available as third party only cover, third party fire, and theft cover, and comprehensive cover. This applies to the types of cover available if you are involved in a road traffic accident.
3rd party cover
Third party only cover will protect you for damage to another vehicle or person where you are legally responsible for an accident.
3rd party fire & theft cover
Third party, fire, and theft will protect you for damage to another vehicle or person, and will offer cover if your own vehicle goes on fire or is stolen.
Comprehensive Cover
Comprehensive cover offers protection for another vehicle or person, as well as cover for your own vehicle in the event that you are responsible for a motor accident. Comprehensive cover generally includes more types of cover as standard, as well as optional additional forms of cover.
What is covered by campervan insurance?
Campervan contents or personal belongings or effects may be protected by your campervan policy for fire, malicious damage, theft, or accidental damage. This may include campervan fittings, satellite navigation, TVs and other belongings that you have in your campervan.
Portable generator cover is generally included as part of campervan insurance. Portable generators are covered for fire, theft, or accidental damage depending on the campervan policy, usually up to a maximum limit per claim and per year.
Windscreen cover is generally included in all campervan policies but the amount of cover varies among insurers. Zurich offers up to €1,000 per windscreen claim with a €2,000 limit per insurance period.
Some campervan insurance includes cover for locks and keys if they are damaged either accidentally or in an attempted theft.
Additional forms of campervan cover
Breakdown or roadside assistance is included as standard in some campervan policies, and is an optional extra in others.
Driving by a named driver, or open drive policies, may be available on campervan insurance. It is important to clarify the level of cover offered to named drivers and on any open drive arrangement, as the driving of anyone other than the main policyholder may be on a third party only basis, even on a comprehensive policy.
You may require repatriation cover as part of your campervan insurance. This would involve transporting the campervan to your home address following a significant breakdown or accident. Some insurers will cover your hotel accommodation and/ or vehicle hire if you are unable to continue your journey in the campervan.
If you have an awning fitted to your campervan, this may be protected by campervan insurance. This cover is not standard in all policies so it is important to check if this cover applies to your campervan should it be something you require.
International Campervan Cover
Campervans are often intended for use on holidays abroad. If you are planning an extended trip, it is important to ensure that you discuss this with your insurer and ensure that you are protected while you are abroad.
Generally, UK and EU driving is covered, although the number of days you can use your campervan abroad varies by insurer. Driving in countries other than Northern Ireland, the UK, and mainland Europe would need to be arranged with your insurer.
It is important to note that all overseas cover applies to campervans registered in Ireland only.
Who offers campervan insurance in Ireland?
Campervan insurance is offered by the following insurers in Ireland:
(available through brokers)
(available through brokers)
(available through brokers)
How much is Campervan insurance?
Quote for Aviva campervan insurance, for 2019 Volkswagen California, 2.0L diesel engine, with a driver with motor insurance for 5+ years claims free.
Aviva
What factors affect the cost of campervan insurance
Various factors affect the price you will pay for campervan insurance:
Campervan no claims bonus
You may need to have a no claims bonus in your own name in order to avail of campervan insurance. This would mean that your campervan is not your primary vehicle.
Your primary no claims bonus may be ‘mirrored’ by a no claims discount on your campervan insurance. This would mean that your no claims discount on your primary vehicle would be viewed as a sign of careful driving and you may also be given a discount on your campervan insurance as a result of this.
Ornella Underwriting offers up to 58% no claims discount with a step back no claims discount protection. This means that, should you need to claim on your campervan insurance, you may not lose all of your no claims discount.
Claims for windscreen and/ or breakdown assistance, like with motor insurance, may not affect your campervan no claims discount, depending on the insurer.
Campervan insurance FAQs
Get campervan insurance today
Enjoy the freedom of the open road with complete peace of mind with campervan insurance. You can travel knowing that you are protected should the unexpected happen.
Call us or fill in our online assessment and we will offer you a competitive quote for campervan insurance today.
