Finding caravan insurance for NI postcodes hasn’t always been easy.
Many major insurance companies were and perhaps remain, slightly chary about the risks associated with vehicle insurance in Northern Ireland.
Having said that, the position is now changing.
Insurance providers are now starting once again to consider that Northern Ireland can be seen as offering acceptable degrees of vehicle and caravan risk. That’s potentially great news for caravan owners living there.
Of course, some insurers may still make their policies available only on the UK mainland or ROI. Finding caravan insurance for NI may still involve a little additional searching around but it is available and in ever increasing numbers.
Caravan cover for NI is the same as elsewhere in many respects.
As an illustration, you may find that:
- some providers will insist upon the fitting of hitchlocks and wheel clamps – they may also reward the fitting of other security devices through the use of discounts on the price;
- your static caravan insurance costs may be reduced if you use an approved and secure site (you may also be obliged to drain down water systems when the caravan is not in use);
- for motorhomes, tourers and trailer tents, you typically may be able to benefit from discounts if your vehicle is parked off the road when not in use;
- insurance companies everywhere are uneasy about young drivers so avoiding them on your policy may also reduce the costs (in fact, some motorhome policies may exclude drivers that are under 25).
This list isn’t exhaustive and taking the time to study insurance quotation details is typically a very good idea!
So, times are changing in terms of caravan insurance for NI. More choice does offer greater opportunities to obtain better or cheaper cover but only if you invest a little time and effort in looking around. The most suitable offers may not come to you – you’ll typically need to find them!
