Converted campervan insurance quotes

Converted Campervan Insurance Northern Ireland

If you have converted a camper yourself or bought a professionally converted camper you might be aware of more motorhome rules and regulations than most. But when it comes to buying insurance for NI converted camper vans, it can be best to trust the professionals.

Finding insurers who provide this cover in NI can be a time consuming task to take on alone, so we compare a range of insurers with experience working in Northern Ireland. This means you get the correct NI cover from insurers you can trust, so you can get back to the fun stuff.

One camper’s insurance needs can be completely different from another. But by entering a few simple details, we’ll quickly match you with experienced insurers who can talk you through your insurance options before you buy. 

Compare converted camper van insurance quotes now with our simple quote form.

Cheap NI Converted Camper Insurance

Converted camper insurance is a specialist type of motorhome insurance. But specialist does not have to mean expensive. By comparing quotes from a range of insurers you know you are not paying over the odds. 

If you compare with us, you can be sure you are getting an unbiased comparison of policies and prices. We are FCA regulated, are not owned by any insurance companies and do not have investments in insurance brokers so we only work for you. 

Get unbiased comparisons on cheap NI converted camper insurance today.

How much does converted camper insurance cost in Northern Ireland?

With converted campers being so personalised, it’s hard to give an average cost for this insurance. For instance, a camper that has only been converted for sleeping will get a very different insurance quote from one that has been fitted with gas cooktops, an internal shower and water heater. 

However, the things insurers use to calculate premiums are similar across all campers, so they can give you an idea of what your costs will be. These can include:

• What modifications were made to your converted camper
• How you use your camper
• Where your camper is kept when not on the roads 
• The size, model and value of your camper
• Your annual mileage
• Any additional drivers you are adding and their driving history 
• Your age and driving history (particularly if you have previous experience of driving a motorhome)
• Your location
• If you have access to other vehicles 
• What cover and add ons you choose
• The insurer you choose

How can I get cheaper NI converted camper insurance?

If you are trying to find cheaper Northern Irish converted camper van insurance for a van that doesnt obviously look like a camper it can be tempting to mislead insurers by omitting that the van is actually a converted camper and not a regular transit or sprinter.

But here are ten ways to save on your insurance premiums without risking your insurance coverage:

1. Know the level of coverage you need – Getting the level of cover that best suits how you use your converted camper means you won’t be overspending on excessive coverage.
2. Choose the drivers carefully – If you or any additional driver you are adding to your policy have clean licences and are over the age of 25, this can help keep down premiums. 
3. Build a no claims discount – Some insurers will allow you to transfer your existing no claims discount to your converted camper policy, particularly if it is becoming your new primary vehicle. 
4. Pay your premium annually – This lets you save on the interest that providers usually charge on monthly payments. 
5. Choose higher voluntary excess – Choosing the highest excesses you are willing and able to pay in the event of a claim can get you cheaper insurance.
6. Compare quotes from various insurers – Compare converted camper insurance quotes to make sure you aren’t paying over the odds. 
7. Try a black box policy – Black box or telematics monitor your driving habits like acceleration, turning, and breaking speeds and can lower your insurance premiums if you score well.
8. Add extra security – Upping your camper’s security with alarms, immobilizers, clamps or even just storing it off the road can get you cheaper premiums.
9. Reduce your mileage – Some converted camper insurers offer discounts for adding mileage limitations to your policy. 
10. Proactively protect against claims – Simple measures including general maintenance and regular servicing can prevent avoidable claims and help build your no claims discount. 

What our experts say:

“It’s important caravanners and their families are protected and do these three simple checks before heading off this summer – check the driver’s driving licence, check the vehicle weight and check the insurance policy”. –  Ian Wilson, Managing Director at CompareNI.com 

Do I need converted camper insurance by law in Northern Ireland?

Yes, any vehicle that is being driven on NI roads will need a minimum of third party insurance by law. An exception to this would be if your camper has been SORN or declared off the road.

Driving without the correct Northern Ireland converted camper insurance can lead to fines and even a driving ban. And this could still be the case if you have bought insurance but invalidated your policy. This can happen if you have misled or provided false information to your insurer, or if you have made any new modifications that you have not made your insurer aware of. 

What coverage do I need on my converted camper insurance?

When choosing your converted camper insurance NI policy it’s important to consider your camper’s value and how you use it. You will need to make sure you are covering the value of the completed build as well as any extras you need.

Your main coverage options include:

• Third party insurance – This is the lowest level of coverage required by law to drive on NI public roads. This covers damage to third party persons, vehicles, and property.
• Third party, fire and theft insurance – This covers damage to third parties and if your converted camper is stolen, or damaged in a fire.
• Fully comprehensive – This can be the priciest option, but it also gives you the most coverage. This covers your converted camper, you and your passengers, as well as third party, theft and fire.

You can choose extras or add ons for your camper insurance that tailor the policy to your needs, including:

• Agreed value cover – This is important for converted campers as the market value of the van may not reflect the true value if you were to sell the vehicle. Some insurers will request photos of the camper to get a better idea of its value. 
• European cover – This is an important add on if you plan to travel in Europe. 
• Personal possession cover – If you plan to live in or take lengthy stays in your camper it is important to cover any personal items you take along. 
• Gadget cover – With many people living and working remotely out of converted campers, this can protect laptops, cameras or phones kept in your camper. 
• Salvage Retention – This lets you keep ownership of your camper and ensures it is returned to you in the event that it is written off by your insurer.
• Breakdown cover – This can be added with roadside assistance so you can get to a garage for repairs quickly.

If you are concerned about the level of cover you need on your converted camper Insurance NI policy, you can use our quote form to connect with insurers who can talk you through specifics before you commit to a policy or price.

Can I insure my converted camper under van insurance?

The DVLA recognises any motorhome as its own category of vehicle. And with converted campers becoming so popular, it has become more difficult for owners to reclassify their van as a motorhome. So it’s understandable that you would be confused about what insurance you can take out on your camper if it is still recognised as a van by the DVLA.

But the DVLA has clarified that you do not need to re-register your vehicle as a campervan provided you still get adequate campervan insurance. The category your vehicle is listed under is mainly to allow police to easily identify vehicles in traffic. So if your van does not obviously appear to be a camper from the outside, you may not even meet the requirements for registering as a motorhome and it will not be necessary. 

So simply put, your camper appearance or DVLA categorization does not affect the insurance category of the vehicle. If you use it as a camper, it will need to have the appropriate converted camper insurance. Failing to disclose the nature of your camper to insurers is a terrible idea and could lead to coverage issues, and claim denials, and you could effectively be driving without insurance.

Get covered with Northern Ireland converted camper insurance today.