Frequently Asked Questions
1. What is campervan insurance?
Campervan insurance (or motorhome insurance) is a specialist policy designed to protect your vehicle — whether factory-built or self-converted — against risks such as accidents, theft, vandalism, fire, and weather damage.
It can also include liability cover, protecting you if your campervan causes injury or damage to other people or property.
2. Do I need campervan insurance in Northern Ireland?
Yes. Like any other motor vehicle, a campervan must be insured in line with the Road Traffic Act to be legally driven on Northern Ireland roads.
You must hold at least Third-Party Only cover to drive legally.
3. What types of campervan insurance are available in Northern Ireland?
Third-Party Only (TPO):
Covers damage or injury you cause to others, but not your own campervan.Third-Party, Fire & Theft (TPFT):
Adds cover if your campervan is stolen or damaged by fire.Fully Comprehensive:
Covers your campervan for accidental damage, plus:Third-party liability
Theft and fire
Windscreen/glass
Optional cover for personal belongings
Optional European breakdown and travel cover
This is the most popular choice for NI campervan owners.
4. Are personal belongings inside the campervan covered?
Many fully comprehensive campervan policies include some level of cover for personal items such as:
Clothing
Camping equipment
Small electronics
Outdoor furniture
Higher-value items (such as bikes, photographic equipment, or jewellery) may need to be listed separately or insured under a home or travel policy.
Always check your specific insurer’s terms.
5. Can I take my campervan across Europe with NI insurance?
Yes — many NI campervan insurers include European driving cover, though the duration varies by provider.
Some policies offer:
Unlimited European driving
30, 60, or 90 days of EU cover
Optional upgrades for extended European trips
Travel outside the EU or UK may require additional documentation or temporary extensions. Check your cover before travelling.
Countries covered:
The continent of Europe which includes any country in or outside Europe whose Green Card Bureau is a member of the Council of Bureaux in London.
These countries are as follows;
Andorra, Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom and the Vatican City.
The following countries are NOT covered and Axa will not provide cover when travelling to the following countries Albania, Israel, Iran, Morocco, Russia, Tunisia, Turkey and Ukraine
6. Does age or driving experience affect campervan insurance premiums?
Yes. Factors that commonly influence NI campervan premiums include:
Age of the driver
Driving experience and licence history
Claims history
Engine size and value of the campervan
How frequently and how far the campervan is driven
Younger or newly qualified drivers usually pay more, but specialist policies may help reduce the cost.
7. Can I add optional extras to my campervan insurance?
Absolutely. Campervan owners in Northern Ireland often add:
Breakdown cover (UK & Europe)
Windscreen/glass cover
Accidental damage
European travel extensions
Legal expenses cover
Personal accident cover
Optional benefits allow you to tailor your policy to your travel style.
8. Are there insurance options for older or classic campervans?
Yes. Northern Ireland insurers offer specialist cover for:
Vintage campervans
Classic VW campers
High-value restored models
Limited-mileage leisure vehicles
These policies may include agreed value, helping ensure the vehicle is insured for what it’s truly worth.
9. How do I make a campervan insurance claim?
If something happens:
Contact your insurer as soon as possible
Provide details of the incident
Take photos or video evidence
Share details of any third parties or witnesses
Keep receipts for repairs or emergency costs
Your insurer will guide you through assessment, repair, or settlement.
If you’re with Dolmen, our Northern Ireland claims support team can assist you throughout the entire process.
10. How can I get the best campervan insurance deal in Northern Ireland?
To secure competitive NI campervan insurance:
Compare several insurers or use a broker
Ensure your mileage and travel habits are correctly listed
Add recognised security (trackers, alarms, immobilisers)
Check if European driving limits match your plans
Review optional extras — only pay for what you’ll use
Consider insuring multiple drivers if it reduces risk
A specialist broker can help tailor a policy for Northern Ireland conditions and travel patterns.
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