In this guide, we’ll explore the best security options for your van, how they can help reduce insurance premiums, and why safeguarding your campervan is a win-win for both your lifestyle and your wallet.
Whether you’re already living life on the road or planning to in the future, having the right insurance for your campervan is essential. A good policy will cover your vehicle, modifications, and personal belongings, but adding some extra security features can lower your insurance costs, offering added protection and big savings.
Why Van Security Matters for Insurance
Insurance providers base their prices on risk – so if your van seems more likely to get stolen or damaged for whatever reason, you’ll pay more for your premiums. Campervans, especially those used as full-time homes, often carry lots of valuables like electronics and personal possessions. Taking extra steps to keep your van safe can make it seem less of a risk to insurers, which could get you a discount on your policy.
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Top Security Features That Can Lower Your Van Life Insurance
1. Alarm Systems
Alarms are a simple but effective way to deter thieves. A loud, unexpected sound can be enough to scare off thieves and reduce the likelihood of break-ins.
What to look for:
- Thatcham-Approved Alarms: Lots of insurers offer discounts if you have alarms that are certified by Thatcham, an independent research body that tests and rates security systems.
- Dual-Zone Alarms: These are great for campervans as they can monitor both the cab and the living space.
Insurance benefits:
With certified alarms installed, your van is less likely to get broken into, which lowers the risk of your vehicle and your insurance costs.
2. Immobilisers
An immobiliser stops your engine from starting unless the right key or fob is used. This makes it much harder for someone to drive off with your van, making it a great feature for protecting your van against theft.
What to look for:
- Factory Fitted Immobilisers: Most modern vans already come with an immobiliser built in.
- Aftermarket Options: If your van doesn’t have one already, consider installing a Thatcham Category 2 immobiliser for added protection.
Insurance benefits:
Since immobilisers make your van a lot harder to steal, insurers will frequently lower premiums to correlate with the lower risk.
3. Tracking Devices
If your van were to get stolen, a tracking device can help locate it quickly. Many systems let you track it in real time and send alerts straight to your phone or the police.
What to look for:
- Active Tracking: This notifies you when your vehicle is moving unexpectedly.
- Subscription-Based services: These often come with direct police integration to ensure a prompt recovery.
- Thatcham S7 Tracker: This device meets top security standards, which is recognised by insurance providers.
Insurance benefits:
Having a certified tracker can get you discounted premiums, so it’s definitely worth considering if you don’t already have one.
4. Steering Wheel Locks
A good old-fashioned steering wheel lock is another effective way to keep your van safe. It’s clearly visible, which can be enough to put off potential thieves.
What to look for:
- High-security locks: Locks made with tough, hardened steel and built-in anti-drill protection can be a great choice.
- Thatcham-Approved Devices: Be sure to look for products rated for their effectiveness.
Insurance benefits:
While a steering lock alone may not get you a direct discount on your insurance, it does add an extra layer of security, and when combined with other features, it helps show your insurance provider that you’re serious about protecting your van.
5. Secure Locks for Doors and Windows
Most break-ins happen through doors or windows, so upgrading those locks is a great way to protect your van.
What to look for:
- Deadlocks: These are manual systems that give you added security beyond the standard lock.
- Slam Locks: These lock automatically when the door closes, which can be very useful.
- Window Locks and Grills: These make it much harder for someone to break in through the glass.
Insurance benefits:
Better locks means it’s harder to get into your van, which makes insurers happy, and can also lower your policy prices.
6. Safe Storage for Valuables
Got important items like passports, electronics, or some cash in your van? A small safe can go a long way to keeping your high-value possessions secure.
What to look for:
- Bolted safes: These are designed to be attached securely to your van, so no one can walk away with it.
- Fireproof options: These keep your valuables safe from fire as well as theft.
Insurance benefits:
Some providers (like us here at Just Kampers Insurance) offer add-ons for contents cover, which can often be cheaper if your valuables are locked away safely.
7. Motion Sensors and Cameras
Motion sensors and cameras may scare off potential thieves, but they can also help you catch them in the act, which is particularly useful for campervan owners.
What to look for:
- Exterior cameras: Great for keeping a close eye on doors and windows and your surroundings.
- Interior sensors: These can alert you to movement inside the van.
- Wi-Fi or App Integration: You can receive real-time alerts on your phone.
Insurance benefits:
Having CCTV footage can help support insurance claims and decrease the chance of theft, so you could find your insurance provider offers a lower premium.
How to Combine Security Features for Maximum Savings
While any individual security measure can help reduce your insurance premium, combining several features creates a comprehensive security system that maximises protection and potential discounts.
For example:
- An alarm system paired with a tracking device enhances recovery capabilities if your van were to be stolen.
- Deadlocks combined with motion sensors provide both physical and visual deterrence.
Extra Tips to Help Keep Your Van And Your Belongings Safe
Security features are great, but there are also a few everyday habits that can make a big difference. Here are some simple things you can do to help protect your van and everything inside it.
1. Choose Your Parking Spots Wisely
Try to leave your van in well-lit areas, especially overnight. Brighter spots with lots of people around are less appealing to thieves. If you’re staying at a campsite, try and choose ones with good on-site security.
2. Keep your insurance details up to date
If you do add new security features, like a tracker, alarm, or upgraded locks, be sure to tell your insurance provider. You might be eligible for extra discounts, and it ensures your policy stays accurate.
Also, don’t forget to let them know about any other modifications or valuable contents you’ve added to the van. This helps avoid any issues if you ever need to make a claim.
3. Keep Documents Secure
It might not seem that important, but your documents (like the V5C logbook, insurance paperwork) are items that thieves will take. Make sure you store them in a locked safe, or take them with you when you’re away from the vehicle.
Why Security Features Matter
Vehicle theft is unfortunately more common than people think. Statistics show that between April 2023 and March 2024, over 129,000 vehicles were reported stolen.
And campervans are tempting targets. Not only are they valuable on their own, but they’re typically packed with expensive items like tools, electronics, and personal belongings. That’s why it’s so important to secure your van properly. The more layers of protection you have, the better your chances of avoiding break-ins and theft.
How Just Kampers Insurance Supports Van Security
At Just Kampers Insurance, we understand the unique needs of vanlifers. Whether you’re living on the road full-time, taking long road trips to explore new places, or heading out on weekend adventures, our policies are tailored to how you use your campervan.
We cover self-built campervans, modifications, and all the extras that make your van home.
Why Choose Just Kampers Insurance?
- Full cover for both your van and belongings.
- Options available for European travel and breakdown assistance.
- We are experts in insuring self-converted campervans, and we have over 20 years’ experience.
Peace of Mind Starts with Good Security
Investing in van security isn’t just about getting a better deal on your insurance (though it is a welcome bonus!) – it’s about protecting your home and belongings, giving you peace of mind wherever the road takes you. With the right combination of security features, you can reduce your risk and recover your van if anything goes wrong.
Ready to level up your protection? Get a quote today and enjoy the freedom of van life with confidence!
PLUS, when you insure with us, you get an exclusive 10% off parts and accessories from Just Kampers – it’s a win-win!
