Caravan Insurance Quote: Compare Top Ireland Deals

Finding a caravan insurance quote in Ireland means navigating specialists like OBF (50+ years of focused expertise) against brokers like Britton Insurance (sourcing quotes from up to 10 insurers). Your choice depends on whether you own a touring van or a static model—the right provider saves you money and covers what actually matters.

Leading Quote Comparator: Paddy Compare · Specialist Experience: Over 50 years (OBF) · Touring Coverage Focus: Arachas, Dolmen Insurance · Static & Touring Experts: OBF, Britton Insurance

The table below consolidates key provider data from Irish caravan insurance sources.

What is the best caravan insurance provider?

The “best” provider depends on your caravan type and usage patterns. For touring caravans, specialist brokers like Dolmen Insurance focus specifically on contents and awnings coverage. For static caravans, OBF brings decades of experience with comprehensive policies including damage-while-towed protection.

Ireland specialists like OBF and Arachas

OBF stands out with over 50 years focused exclusively on caravan and mobile home insurance. Their policies include European holiday cover extending up to 60 days per trip and public liability limits reaching €3,000,000. The OBF team emphasizes hassle-free claims and tailored coverage for both static and touring models.

Arachas operates differently, partnering with Aviva Insurance Ltd for over 40 years to serve campervan and motorhome owners. Their mobile home division provides instant online quotes through Arachas, while their campervan specialists can be reached at 01 634 9300. This specialist approach means advisors understand the specific risks of touring versus static placement.

The pattern is clear: Ireland’s strongest providers distinguish themselves through longevity and niche focus rather than breadth. Britton Insurance, for instance, sources quotes from up to 10 insurers to find competitive pricing, but their quotation team works Monday to Friday at 074 9721 304. This multi-insurer approach complements the specialist model rather than competing with it.

The implication: If you own a touring caravan and travel frequently to Europe, OBF’s 60-day European cover and high liability limits justify their specialist positioning. If you prefer comparing multiple options quickly, Britton’s network of 10 insurers gives you broader market coverage in a single inquiry.

What is the average cost of caravan insurance?

Average costs depend heavily on caravan value, location, and usage type. According to available market data, Britton Insurance offers policies starting from €210 annually, while UK benchmarks from Compare the Market show touring and static caravan insurance from £132 per year as of June 2025.

Factors affecting costs

Several variables drive premiums upward or downward. Newer caravans command higher replacement values, increasing sum insured and premiums. Static caravans parked year-round face different risk profiles than touring models that travel regularly. Geographic location matters too—coastal areas may face higher storm exposure, while urban settings might see elevated theft risk.

Security features also influence pricing. Caravans equipped with tracking devices, alarm systems, or stored in secured compounds often qualify for discounts. The level of coverage chosen matters as well: comprehensive policies including awnings, contents, and European travel naturally cost more than basic third-party liability-only deals.

Rough estimates for touring vs static

Touring caravan insurance in Ireland typically starts around €210 for basic policies, with comprehensive touring coverage extending well beyond that figure depending on caravan value and included features. Static caravan insurance varies based on park location, whether the unit is occupied seasonally or year-round, and the sum insured reflecting replacement cost.

For context, Fetch.ie recommends contacting at least four different companies when seeking value, noting that typical policies include 365-day touring cover within Ireland and up to 60 days European travel. This wide variation means getting multiple tailored quotes rather than relying on published starting prices gives you the most accurate cost picture for your specific situation.

What this means: Published starting prices like €210 serve as entry points, not averages. Your actual premium will depend on individual risk factors that only a tailored quote can capture accurately.

How to lower caravan insurance costs?

Reducing caravan insurance premiums requires strategy rather than just shopping around. Fetch.ie recommends contacting at least four companies to ensure competitive pricing, but the quoting process itself offers multiple leverage points.

6 tips for reducing touring caravan insurance premiums

• Compare multiple brokers first. Paddy Compare aggregates quotes from multiple Irish brokers, letting you compare options without contacting each provider individually. This efficiency alone can surface deals you’d miss visiting providers one by one.
• Increase voluntary excess. Accepting a higher excess—the amount you pay before insurance kicks in—typically reduces premiums. Calculate whether the premium savings justify the higher out-of-pocket risk.
• Bundle where possible. Some providers offer discounts if you combine caravan insurance with motor insurance or home insurance on the same policy or with the same company.
• Improve security. Installing alarms, trackers, or wheel clamps can qualify your caravan for discounts. Document security features when requesting quotes.
• Choose appropriate coverage. If your touring caravan stays parked for months, reducing to seasonal cover rather than 365-day policies can cut costs.
• Ask about specialist discounts. Providers like OBF and Arachas offer tailored policies that might exclude unnecessary coverage, pricing more competitively than one-size-fits-all approaches.

The catch: Cutting coverage to reduce premiums can backfire. A bare-bones policy might exclude awnings (which Dolmen Insurance specifically includes) or European travel (which OBF provides for 60 days per trip). Always verify what each policy actually covers before choosing based on price alone.

What is the 10 year rule for caravans?

The 10-year rule primarily affects static caravans placed on holiday parks. Most insurance providers impose restrictions or surcharges on caravans over 10 years old, with some refusing coverage entirely beyond certain age thresholds.

Explanation for static caravans

Holiday parks implementing the 10-year rule reason that older static caravans present increased risks: deteriorating structures, outdated electrical systems, and potential fire hazards. When a static caravan reaches 10 years old, parks may require upgrades, repositioning to a storage area, or removal from the site entirely.

This rule affects insurance because providers must assess risk accurately. An older static caravan poses greater potential claims exposure, which translates to higher premiums or coverage restrictions. Some insurers won’t cover static caravans beyond 15 years, while others apply age loading to policies for units over 10 years.

Impact on insurance quotes

When requesting a quote for a static caravan approaching or exceeding 10 years, expect insurers to ask for the caravan’s age, condition, and park location. Providers like OBF specialize in older static caravan coverage, potentially offering terms that newer-market insurers won’t.

The practical impact: If you own a static caravan on a holiday park, knowing the age restrictions helps you plan for eventual premium increases or coverage limitations. Some buyers factor 10-year rule implications into purchasing decisions, choosing newer units to lock in lower insurance costs over the ownership period.

How much should I expect to pay for caravan insurance?

The honest answer is: it depends on your specific circumstances. Starting prices from €210 exist (Britton Insurance sources quotes from up to 10 insurers to find this kind of entry point), but comprehensive coverage for valuable touring or static caravans typically costs more.

Ireland-specific quotes from Britton and Dolmen

Britton Insurance offers Ireland caravan insurance from €210, with their quotation team available Monday to Friday at 074 9721 304. They source from multiple insurers, which means they can compare across carriers to find competitive pricing for your specific caravan value and usage.

Dolmen Insurance specializes in touring caravan cover, providing no-obligation quotes by phone or email. Their focus on contents and awnings coverage makes them particularly relevant for touring caravanners who equip their units extensively.

Cheapest options like AXA

While AXA appears in some search results for Irish caravan insurance, direct comparison shopping through Paddy Compare (available at Paddy Compare) may surface AXA alongside other competing providers. Price comparison works best when you input consistent information across multiple brokers.

For instant quotes, Arachas provides mobile home insurance quotes online immediately, reachable at 01 486 9775. Compare Insurance Ireland offers caravan and mobile home cover against theft, fire, and storm damage, contactable at 042 935 9090.

The implication: “Cheapest” is meaningless without defining coverage scope. A €210 basic policy that excludes awnings costs more in the long run if your awning gets damaged. Compare what’s included, not just the premium.

The comparison below shows how Ireland’s main caravan insurance providers stack up on pricing and coverage focus.

How to get a touring caravan insurance quote

Getting a touring caravan insurance quote in Ireland involves three main routes: direct provider websites, comparison brokers, or phone/email inquiries with specialists.

1. Define your coverage needs. Touring caravans need different coverage than static models. Decide whether you need European travel cover (OBF offers 60 days per period), awnings protection (Dolmen specializes here), or contents coverage for valuables inside.
2. Use a comparison broker for overview. Paddy Compare at Paddy Compare aggregates quotes from multiple Irish brokers, giving you market context before approaching specialists.
3. Request tailored quotes from specialists. Once you know the price range, contact specialists like OBF (static and touring), Dolmen (touring focus), or Arachas (campervan/motorhome). Specialists often offer coverage options unavailable through general brokers.
4. Compare coverage details, not just premiums. At minimum, verify public liability limits (OBF offers €3,000,000), European travel duration, towing damage coverage, and awnings inclusion before deciding.
5. Ask about security discounts. Before finalizing, inquire about reductions for alarms, trackers, or secured storage. These can meaningfully reduce premiums without reducing coverage.
6. Lock in your policy. Once you’ve compared, choose the provider offering the best coverage-to-price ratio for your specific situation. Keep records of quote comparisons in case you need to renegotiate at renewal.

The Ireland caravan insurance market rewards patience and specificity. Providers like OBF with 50+ years of focused experience offer tailored coverage that general insurers can’t match, while brokers like Paddy Compare give you the market overview needed to make informed choices. The key is defining what you actually need before comparing prices—touring caravanners prioritize European travel and awnings protection, while static caravan owners need park-compliant coverage for potentially older units. Once you know your priorities, the specialist route typically delivers better outcomes than chasing cheapest premiums alone.

“At Britton Insurance we source the best possible price available to us for your individual caravan insurance requirements.”

— Britton Insurance, Provider

“With over 50 years’ expertise in providing specialist caravan insurance… you’re in safe hands with the experts at OBF.”

— OBF, Provider

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Ireland caravan insurance quotes must account for the 10-year static rule, alongside considerations like those in static caravan sales rules for prospective buyers.

Frequently asked questions