Owning a converted campervan is more than just designing and creating your dream camper; it’s about embracing a lifestyle of adventure and independence.
Whether you’re away in your camper every weekend, or a full-time van lifer, having the right insurance is crucial. Standard vehicle insurance policies typically fall short of covering the extensive modifications and customisations in a converted campervan. This is where specialised campervan insurance comes into play, offering tailored coverage that considers the unique aspects of your vehicle.
In this comprehensive guide, we will break down the essentials of converted campervan insurance, focusing on key elements such as policy types, coverage options, and cost-saving strategies. Our aim is to provide you with the knowledge needed to make informed decisions and ensure your campervan is fully protected.
We’ve been offering specialist insurance to campervan owners since 1998, so we know a thing or two about getting the right cover for converted campers!
What is Converted Campervan Insurance?
Converted campervan insurance is a type of policy designed specifically for vehicles that have been modified or converted into living spaces.
Unlike standard car insurance, this policy covers the unique features of a campervan, including built-in furniture, cooking facilities, plumbing, and electrical systems. This specialised coverage ensures that all the additions and customisations made to your van are protected.
Click here to learn more about self-built campervan insurance from Just Kampers Insurance.
Why Standard Vehicle Insurance Isn’t Enough for Your Campervan
Standard vehicle insurance typically does not cover the full scope of modifications found in a campervan conversion.
Essential elements such as custom-built interiors, solar panels, and additional electrical wiring are often excluded from regular policies. Therefore, relying solely on standard vehicle insurance can leave significant gaps in coverage, putting your investment at risk.
Converted campervan insurance, however, is designed to address these specific needs, providing comprehensive protection for both the base vehicle and the custom modifications.
Key Considerations for Converted Campervan Insurance
Here are a few of the things you’ll want to be aware of when you set off to get yourself the best deal on vehicle insurance for your self-built camper.
Declaring Modifications
One of the most critical aspects of securing converted campervan insurance is accurately declaring all modifications.
Insurance providers need a detailed list of changes made to the vehicle, including interior layout, plumbing, electrical installations, and any structural alterations.
Failing to disclose any modifications can lead to denied claims and invalidated policies, so it’s essential to be transparent and thorough when documenting your van’s transformation.
Valuing Your Campervan
Properly valuing your converted campervan is another vital step to getting proper insurance coverage.
The valuation should reflect the total cost of the base vehicle plus all modifications and customisations. Keeping detailed records and receipts of all expenditures during the conversion process will help in accurately assessing the value of your campervan.
This information will be crucial when setting the coverage limits of your insurance policy.
Types of Coverage
Converted campervan insurance typically offers several types of coverage options:
- Comprehensive Coverage: This provides extensive protection, covering damage to your campervan, theft, fire, and third-party liability.
- Third-Party, Fire, and Theft: This covers damage to other vehicles or property, as well as loss or damage to your campervan due to fire or theft.
- Third-Party Only: The minimum legal requirement, covering damage to other vehicles or property but not your own campervan.
Additionally, you may want to consider optional add-ons for enhanced protection:
- Contents Coverage: Protects personal belongings and equipment inside the campervan.
- Breakdown Cover: Provides roadside assistance in case of mechanical failure.
- European Cover: Essential for those planning to travel abroad.
- Legal Expenses Cover: Helps cover legal costs associated with claims and disputes.
The Process of Insuring a Self-Build Campervan
Insuring a self-build or DIY campervan can be more complex than insuring a professionally converted vehicle. Here’s a step-by-step guide to help you through the process:
- Document the Conversion: Keep comprehensive records of the conversion process, including photographs, receipts, and any certifications.
- Professional Appraisal: Consider getting a professional appraisal to establish an accurate value for your converted campervan.
- Specialised Insurers: Look for insurers that specialise in campervan insurance and have experience with self-build projects. We’d recommend taking a look at the self-build camper policies available here at Just Kampers Insurance!
- Detailed Information: Be prepared to provide extensive details about the modifications, including specifications, safety features, and intended use.
Tips for Reducing Insurance Costs
While converted campervan insurance can be more expensive, there are several ways to reduce your premiums:
- Install Security Features: Speak to your insurance provider about adding security devices like alarms, immobilisers, and tracking systems to see if they can lower your insurance costs.
- Join Campervan Clubs: Membership in recognised campervan clubs or associations can sometimes lead to discounts, so it’s worth checking this.
- Increase Voluntary Excess: Opting for a higher voluntary excess can reduce your premium, but make sure it’s an amount you can afford in the event of a claim.
- Limit Mileage: If you don’t plan to use your campervan frequently, a limited mileage policy can help save money.
- Maintain a Clean Driving Record: A good driving history with no claims or convictions can significantly reduce your insurance premiums.
In Conclusion
Converted campervan insurance is designed to cover the unique aspects of your custom-built home on wheels, providing peace of mind as you explore new horizons.
By understanding the importance of declaring modifications, accurately valuing your campervan, and choosing the right coverage, you can secure the best possible protection.
Additionally, exploring cost-saving measures can help you find affordable insurance without compromising on coverage.
For more information on campervan insurance and to explore tailored coverage options for your converted campervan, visit Just Kampers Insurance.
With the right insurance, you can enjoy the freedom and flexibility of van life, knowing that your home on wheels is 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.
