We’ve put together this quick guide on how to get the right vehicle insurance for your self-built campervan conversion, to make it easier for you to tick this last job off your list when you finish your camper project!
Just Kampers Insurance has been offering specialist vehicle insurance for campervan owners since 1998, so we know a thing or two about insuring a huge range of different campervans and motorhomes. We’ve poured some of our expertise into this blog, which we hope makes it easier for you to understand what kind of insurance policy you need for your converted campervan.
Why Self-Build Campervan Insurance is Essential
No two self-built campervans will be exactly the same, since they’re a reflection of their owner’s style and needs. You’ll have poured countless hours into researching, designing, and building your camper, and you should make sure that the vehicle you’ve put all this effort into is properly protected.
Self-build campervan insurance policies are designed to cover the unique differences which set your camper apart, including the range of different parts, accessories, and appliances you’ve installed.
Unlike standard vehicle insurance, self-build campervan insurance accounts for any specific risks associated with DIY conversions, as well as their overall value.
Understanding the importance of this specialised insurance and how to obtain it is essential for anyone preparing to embrace van life.
A Note on Campervan Customisations
Standard vehicle insurance policies often generally don’t cover custom modifications made during a van conversion. Self-build campervan insurance provides comprehensive coverage for all customisations, from built-in furniture to electrical systems, ensuring that every aspect of your campervan is protected.
That being said, policies from Just Kampers Insurance do cover vehicle modifications, as it’s one of the areas we specialise in.
Key Considerations for Self-Build Campervan Insurance
There are a few important things to consider when you’re checking out the options for insuring a self-built campervan, which we’ve laid out below.
It’s also worth checking out these points if you’re just planning a camper conversion, so that you’re ready with the information when it comes time to insure your campervan once the work is done.
Getting an Accurate Valuation of Your Campervan
One of the most critical aspects of securing self-build campervan insurance is accurately valuing your vehicle. This valuation should include the cost of the base vehicle and all modifications and customisations. Keep detailed records of all expenses, including receipts for materials and professional services. Accurate valuation ensures you receive adequate compensation in case of a claim.
You can use this information to get an agreed value policy as part of your campervan insurance with Just Kampers Insurance. It’s a quick and easy extra step, and absolutely worth looking into when it comes to insuring your converted camper.
Documentation and Proof of Modifications
Insurers will likely require detailed documentation of all modifications made to your campervan. This documentation should include:
- Receipts and invoices for materials and services,
- Photographs of the conversion process,
- Detailed descriptions of each modification.
Providing thorough documentation helps insurers understand the value and extent of your customisations, facilitating a smoother claims process.
Professional vs. DIY Modifications
While many van life enthusiasts opt for DIY conversions, some modifications may require professional installation to meet safety standards. It’s always recommended that electrical systems, gas installations, and structural modifications be carried out by certified professionals.
Insurers often require proof of professional installation for these components to ensure they comply with safety regulations, or at least evidence that they’ve been checked and tested by a professional.
Steps to Obtain Self-Build Campervan Insurance
Now you’ve got your documentation gathered up, it’s time to get out there and hunt down the best deal on self-built camper insurance.
We might be biased, but we’d recommend getting a quote from us at Just Kampers Insurance! We’ve been specialising in campervan insurance since 1998, and have a friendly team of experts ready to take your call or answer any questions.
Click here to get a quote from Just Kampers Insurance.
Research Specialist Insurers
Not all insurance companies offer policies for self-build campervans. Research specialist insurers who understand the unique needs of van conversions and can provide tailored coverage. Just Kampers Insurance, for example, specialises in campervan insurance and offers comprehensive policies designed for self-build vehicles.
Obtain Multiple Quotes
Request quotes from multiple insurers to compare coverage options and premiums. Each insurer may offer different levels of coverage, and obtaining multiple quotes allows you to find the best policy for your needs and budget.
When you get a quote from Just Kampers Insurance, we’ll search over 300 different options to find you the best deal on insuring your camper, which can save you a massive amount of time!
Provide Detailed Information
When applying for insurance, provide detailed information about your campervan, including:
- The make and model of the base vehicle,
- A comprehensive list of modifications and customisations,
- The total value of the campervan, including all modifications,
- Proof of professional installation for critical components, where necessary.
Accurate and detailed information helps insurers assess your campervan’s value and risk, ensuring you receive appropriate coverage. This will also help avoid any issues if you do need to make a claim and your insurance underwriter notices that there are differences between the vehicle they thought they were covering and the vehicle you’re making a claim for.
Additional Tips for Protecting Your Self-Build Campervan
Secure Storage
If possible, it’s always best to store your campervan in a secure location to reduce the risk of theft or damage. Consider using a storage facility or a locked garage, and covering your campervan up to make it less obvious.
Install Security Features
You may want to take a look at enhancing your campervan’s security with additional features such as alarms, immobilizers, and GPS tracking devices. These devices can deter theft and may qualify you for discounts on your insurance premium.
Regular Maintenance
Regular maintenance is essential for keeping your campervan in good condition and preventing potential issues. Keep records of all maintenance and servicing to demonstrate to insurers that your vehicle is well-maintained.
In Conclusion
Preparing for van life involves more than just building and customising your campervan; it also requires securing the right insurance to protect your investment.
Self-build campervan insurance is tailored to cover the unique aspects of DIY conversions, providing comprehensive protection for your vehicle and customizations. By understanding the importance of accurate valuation, thorough documentation, and working with specialist insurers, you can ensure that your self-build campervan is fully covered.
For more information on self-build campervan insurance and to explore coverage options tailored to your needs, look no further than Just Kampers Insurance.
Prepare your campervan for the road ahead and embark on your van life adventure with confidence, knowing that you and your vehicle are well-protected.
So, give us a call on 01256 674522 and let one of our specialist team discuss your requirements. Or Get an online quote today or arrange a call back and let us call you at a convenient time.
