Question 1

How much is campervan insurance?

Accepted Answer

As every policy is custom, and campers undergo a lot of customisations, its dependent on individual circumstance and a multitude of factors! You can always get a quote to find out.

Question 2

Is it cheaper to insure a van or a campervan?

Accepted Answer

Van insurance is more expensive than campervan insurance, as vans often contain more expensive contents when used as work vans. For vans, you’ll often also need business insurance as well, or one that covers you for business use, something campervans don’t need.

Question 3

Can you insure a campervan as a van?

Accepted Answer

If your campervan meets the DVLA requirements for being a motor caravan, regardless of what your logbook says, you need to insure it as a campervan, if that’s what you’re using it for. This means you get appropriate cover for your use.

Question 4

Can I drive a campervan on my car insurance?

Accepted Answer

No, you can’t drive a campervan on your car insurance. Your insurance needs to be appropriate for the vehicle you drive, and a campervan isn’t the same as a car. Even if you have a converted campervan, then you need to get campervan insurance, rather than relying on your car insurance.

Question 5

What won’t campervan insurance cover?

Accepted Answer

Car insurance won’t cover the following:

Infestations of rat, mice, bugs or other vermin
Wear and tear
Theft, if you’ve left your keys in it, windows open or door unlocked

It’s always worth giving your policy a read to check.

Question 6

Do I need different insurance if I’m planning to live in my van?

Accepted Answer

No, you don’t need different insurance if you plan to live in your van. You will need to ensure you have the correct cover, such as contents insurance, and the insurer is aware you will be living in your van.

You may want to consider taking out a life or home insurance policy that covers you for van living, in case of an emergency.

Question 7

Can I insure a car and campervan on the same policy?

Accepted Answer

You can only insure a car and van on the same policy if you have a multi vehicle policy. It’s important that you have the correct policy type for your needs, and that you get a bespoke policy tailored.

Question 8

What is the best security measure for my campervan?

Accepted Answer

Prevention is the best security method. A combination of visual/physical devices and technical ones should help limit the opportunities for crimes of theft to occur.

Question 9

What happens if my campervan is stolen?

Accepted Answer

If your campervan has been stolen, notify the police straight away. Using the crime number from the report you filed, notify your insurance company.

It will help the police to recover your campervan if it is fitted with a tracker. Without proper security measures it may make it more difficult to recover your stolen vehicle.

Question 10

Does having an alarm and immobiliser fitted in my camper reduce insurance premiums?

Accepted Answer

The greater the security options fitted in your camper, the safer it becomes. This should reflect in the cost of your insurance premiums, as immobilisers and alarms are recognised as crime deterrents.

Question 11

What is ‘Sold Secure’?

Accepted Answer

This is an organisation that tests, verifies and reviews locking systems for a range of leisure vehicles (grading from Bronze to Diamond), coordinated through the Master Locksmiths’ Association. Owners may notice the brand when shopping around for locking systems and other security products.

Question 12

What is a Thatcham category alarm?

Accepted Answer

Thatcham is the standard for insurance companies, and many providers will insist that your vehicle is fitted with their alarms for basic security. Devices of a certain standard will receive a Thatcham Security Certification to reaffirm this security.

Question 13

How does a vehicle tracking system work?

Accepted Answer

This relies on technical equipment to monitor the location of your vehicle. Typically, the vehicle owner will have a few options with their supporting subscription, whereby they can either buy it yearly, or cover two, three, four or even up to five years at a time. The police will use this tracking service to locate and recover a stolen campervan.

Categories of security systems for this kind of vehicle recovery include:

Category Five/ Thatcham after-theft systems
Category Six/ Stolen Vehicle Tracking
Category Seven/ Stolen Vehicle Location

The difference between categories will depend on your vehicle and its requirements.

Question 14

How do I check if my campervan has an engine immobiliser?

Accepted Answer

Since 1998, immobilisers have been fitted into all new vans. This may be done during production, or installed later. The best way to check if your campervan has this fitted is to read the handbook.

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