Frequently Asked Questions
1. What is campervan insurance?
Campervan insurance is a specialist motor policy designed for motorhomes, campervans, and converted vans. It protects your vehicle against accidents, theft, fire, storm damage, and third-party liability. Comprehensive policies can also cover personal belongings, breakdown assistance, and European travel.
2. Is campervan insurance compulsory in Ireland?
Yes. Like any other motor vehicle, you must have at least Third Party insurance to legally drive a campervan on Irish roads. Most owners choose Comprehensive cover for better protection of their own vehicle and belongings.
3. What are the main types of campervan insurance available?
The three main levels are:
- Third Party Only – the legal minimum, covering damage you cause to others
- Third Party, Fire & Theft – adds protection if your campervan is stolen or damaged by fire
- Comprehensive – the most popular option, covering accidental damage to your own campervan plus third-party liability, windscreen, and optional extras
4. Are my personal belongings covered inside the campervan?
Many comprehensive policies include limited cover for clothing, camping gear, and small electronics. Higher-value items (bikes, cameras, laptops, etc.) may need to be specified or covered separately. Always check the policy wording for limits and conditions.
5.Can I drive my campervan in Europe with an Irish policy?
Yes, most Irish campervan policies include automatic EU cover for a set number of days (typically 30–90 days). For longer trips or travel outside the EU, you may need a Green Card or an extension. Always confirm the exact terms before travelling.
6. Does my age or driving record affect the price of campervan insurance?
Yes. Factors such as your age, driving experience, licence history, and claims record all influence the premium. Younger or newly qualified drivers usually pay more, but specialist campervan insurers can sometimes offer more competitive rates.
7. Can I add extra cover to my campervan policy?
Yes. Popular optional extras include:
- Breakdown and roadside assistance (UK & Europe)
- Windscreen and glass cover
- Legal expenses protection
- Personal accident cover
- Enhanced contents cover for belongings
8. Are there special policies for older or classic campervans?
Yes. Specialist policies are available for vintage, classic, or high-value campervans. These often include agreed value cover and more flexible mileage options so you’re not penalised for lower annual usage.
9. What should I do if I need to make a claim on my campervan insurance?
Contact CUsafe or your insurer as soon as possible after the incident. Provide clear details, photos, and any witness information. Our team will guide you through the claims process and help arrange repairs or replacement where needed.
10. How can I get the best price on campervan insurance in Ireland?
To secure the best deal:
- Compare specialist campervan insurers rather than standard car policies
- Be accurate about your mileage and usage
- Install approved security devices (alarm, immobiliser, tracker)
- Consider voluntary excesses to lower premiums
- Speak to a broker who understands campervan and motorhome insurance
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