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Motorhome Insurance Northern Ireland

Motorhome insurance for Northern Ireland residents is essential if you want to take your vehicle on the roads.

Unlike traditional car insurance, finding Motorhome Insurance in Northern Ireland can be difficult as it is a specialised policy that fewer companies or brokers will be able to provide. CompareNI are here to help!

If you live in Northern Ireland you might want to find a cheap insurance policy to suit your needs. Our comparison system could take the hassle out of finding Motorhome Insurance in NI.

With our system simply fill in your information and details, and we’ll compare our list of dedicated insurance providers who might be able to help you find a great deal on your Motorhome Insurance. You will then be presented with a list of policies and prices. We are an independent company that doesn’t have a bias to one company or another. Simply complete our online quotation request from, and we’ll try to help you compare quotes that could save you both time and money!

Motorhome Insurance Guide

Owning a motorhome may mean access to holidays where the accommodation is always there with the owner. It opens the way to stopping anywhere for a rest, and booking into campsites and caravan sites to stop for the night. A motorhome could range from an entry-level model to a far more advanced and luxurious model.

Whatever model someone has, it is important to compare motorhome insurance that could provide more than just peace-of-mind for the owner. Below is a comprehensive guide to this form of insurance, so anyone with a motorhome could perhaps find it simpler to understand which policy to get.

Is it necessary to get a motorhome insured?

In a word, yes. Just as a car must be insured by law, so must a motorhome. Unlike a caravan, which is towed behind a vehicle, a motorhome is driven. As such, a proper motorhome insurance NI policy would normally be required before it could be driven legally on the roads anywhere in the UK.

Different kinds of motorhome insurance Northern Ireland

Motorhome owners in Northern Ireland and the rest of the UK have three options to choose from. These are detailed below:

• Third party insurance:
  This is generally the absolute minimum amount of cover required to comply with the law. If the motorhome owner causes an accident, they might be heartened to know they could be covered for any damage they cause to other vehicles or property. Liability cover could also be included in this policy, to account for any injuries caused to others, including anyone in the motorhome at the time of the accident.
• Third party, fire and theft insurance:
  This is the next level up. Apart from the cover detailed above, it could also pay out in the event of a fire in the motorhome, as well as if it was stolen. It may also cover any other damage caused to the motorhome in the event it was recovered after being stolen.
• Fully comprehensive insurance:
  This provides everything mentioned in the two forms of insurance above. However, it could also provide extensive peace-of-mind in knowing the costs of repairing or replacing the motorhome would be covered in the event the driver causes damage. It may perhaps be wise to compare fully-comprehensive insurance policies for motorhomes if the driver wishes to get this form of cover. It may be advisable to look for fully-comp insurance in cases where the motorhome is brand new, or would be expensive to fix or replace.

How many drivers need to be insured?

There could be an option to make sure more than one driver is included on a motorhome insurance policy. If the driving is to be shared, each driver would need to be named on the policy for it to be valid.

How easy is it to find cheap motorhome insurance?

There could be ways a motorhome owner could reduce their premiums. For example, paying a higher excess could reduce the amount they might pay each month. However, the amount they choose could be one they would be happy to pay in the event a claim had to be made.

Mileage is another area that may lead to cheaper premiums. The less mileage the motorhome does, the less chance there might be of needing to claim on the insurance. Joining a recognised motorhome club could also produce another discount opportunity. Any anti-theft measures might also be good to have in place. They could reduce the chances of theft and thereby may also produce reduced insurance costs. Incidentally, all motorhome owners could perhaps help keep the security levels good by locking all doors and windows whenever the motorhome is not in use or is left, even for a short time.

Considering contents cover as well

Motorhome insurance might provide cover for the motorhome itself. However, many motorhomes will have personal possessions inside. Some may be stored there permanently, while others might be on board for the duration of a trip or holiday. There could still be a possibility of getting motorhome insurance cheap deals that include contents insurance as well as insurance on the actual motorhome. It could be wise for the owner to make sure they know the value of the items on board, to make sure the insurance cover provided could be good enough in the event of a claim.

With that said, some home insurance policies might provide coverage for personal items even when they are out of the home. It might be worth it for the owner to check the policy prior to getting motorhome cover, in case this element of insurance is not needed.

Shopping online for a proper comparison

Motorhome cover can be more specialised than general vehicle cover. As such, it could be profitable to go to a specialist insurer that has experience in underwriting insurance for motorhome owners.

By getting quotes from our specialist providers, it could be easier for an owner to find a cheaper and more cost-effective insurance policy to purchase. It is generally not a good idea to skimp on cover. However, many owners find that by shopping around and comparing the small print on these policies, it could be easier to find a suitable policy that could cover everything that is required.