Have you always dreamed of waking up to a scenic view from a trendy converted camper? A self-built campervan allows you to explore the country whenever the mood takes you and to camp at festivals and events in comfort. Self-build campervan insurance can be used to protect your vehicle during the conversion of the van and when it’s ready to hit the road.
Protect your passion project with specialist insurance, and you’ll be able to enjoy the care-free van life you’ve always wanted.
What is converted campervan insurance?
Converted campervan insurance is a specialist policy that recognises and covers modifications made to a van. It considers the unique risks associated with a self-built van used for transportation and accommodation.
No two van modifications are the same, so make sure you take out insurance for converted campervans that accurately represents your vehicle. If you fail to tell your insurer about modifications made to a van, your policy may be voided, meaning you can’t make a claim should your converted camper be involved in an accident or stolen or damaged.
What is classed as a modification?
Don’t get caught out by thinking that a modification you make to a van won’t affect your insurance. An insurer considers a modification as anything that significantly alters the look or drive of a vehicle. For a converted camper, these include:
- Removing seats
- Removing or adding windows
- Installing a fitted kitchen
- Installing power
- Insulating the vehicle
- Storing generators or gas canisters
When do I need camper conversion insurance?
In the past, the DVLA would allow you to change the classification of your newly converted van on your V5C, allowing many to take out standard campervan insurance. Today, the DVLA has stricter rules regarding reclassifying converted vehicles, and you are likely to need a specialist converted camper policy.
If the modifications you plan to make include those listed above, you must alert your insurer immediately. Alternatively, if you’ve purchased a converted campervan, you’ll have to furnish your insurer with details of all the modifications present.
When you intend to start converting a van, make sure the build process is covered with a camper conversion insurance policy that reflects the active conversion process. If you fail to hold this specific insurance, you will be left out of pocket if your van is damaged or stolen, and all the time and money you channelled into the conversion will be lost.
Remember, a standard van insurance policy may not offer you the protection you need. It will not cover the changes you have made nor the risks your camper faces.
The benefits of converted campervan insurance
One key benefit of insurance for converted campervans is holding a policy that reflects the value of the modifications within your van. Your insurer will probably ask for photographs of your vehicle to give them a good idea of the level of modification and the fixtures and fittings present.
A bespoke policy will take into account how you plan to use your converted camper, whether you’ll be spending weekends on the UK coast or heading across Europe on the adventure of a lifetime.
What is covered by converted camper insurance?
If you’re in the process of finding a van to modify, fear not. Camper conversion insurance covers almost all vans, from a classic VW Transporter or Ford Transit to a milk float.
There are different types of cover available to you, including:
- Laid-up cover – This can be used when your van isn’t on the road. Consider this coverage when you’re working on the van.
- Comprehensive cover—This offers the third-party, fire, and theft coverage you’re familiar with from standard vehicle insurance. You could also choose third-party, fire, and theft as a cheaper alternative.
- Contents and valuables cover – Make sure your belongings are kept safe when you’re on the road with this often-neglected cover.
- Breakdown cover – If you’re taking the road less travelled, with trips deep into the rural British countryside, make sure a breakdown doesn’t dampen your expedition.
- EU driving cover – This is important if you plan to enjoy trips across Europe in your converted camper.
Frequently Asked Questions
How much does converted campervan insurance cost?
An insurer will consider the following factors when calculating your premium:
- Make, model, age, and condition of the van
- Market rarity
- The modifications present
- Driver history
- Level of protection taken out – comprehensive or third-party, fire, and theft
Do modifications make van insurance more expensive?
Not all modifications bump up your premium, but some do. By going to a specialist insurer like Park Insurance, you’ll be able to find a competitive policy price.
Is international travel covered?
Some policies include European travel as standard, but you must always clarify this with your insurer. You should also double-check how many days of coverage you’re offered, as some allow up to 90 days and others an entire year.
There’s never a better time to turn to a specialist insurer like Park Insurance than when trying to protect a unique vehicle like a converted van. Tailored converted van insurance allows you to relax and unwind as you travel in the camper, so get in touch with one of our insurance experts today to see how we can keep your pride and joy safe and sound.