Caravan insurance in Northern Ireland

Typically, you can expect to pay between £100 to £400 a year for a suitable caravan insurance in northern Ireland to cover a caravan worth about £10,000 that has contents worth around £1,000. This figure assumes a three-year no claims bonus and the lower figure would provide minimal cover.
Caravans can give many years’ useful service. But replacing them can be costly. You might want to look for an insurance policy that offers the current market value of a new version of your caravan, so that you can replace it.
Accidental damage, storm and flood damage is often missing from basic caravan insurance policies in northern Ireland so don’t assume your caravan will be covered.
Regular car insurance will typically not cover you if you have an accident while in your caravan – check you policy.
If your caravan insurance policy states that only one person can drive, you need to think about how to get home, and how to get your car and caravan home if the driver is incapacitated
Caravan security: the more security you have in your caravan or motor home, the cheaper the insurance policy will be.

Here are just some of the steps you can take to enhance your caravan's security:

  • Caravan wheel clamps will reduce the cost of cover by up to 10%
  • Hitch locks, preferably with a built-in alarm, can cut the cost of cover by up to 10%
  • Anchors, chains and padlocks also cut the cost by up to 30%
  • Caravan tracking devices can cut the cost of your cover by up to 30%. Check whether the insurance company will only provide the discount for a specific product (Thatcham or Sold Secure).