Campervan Insurance

When it comes to campervan insurance in the UK, remember the saying, ‘better safe than sorry.’ Understanding the ins and outs of campervan insurance, including the importance of campervan conversion insurance for both self-built and professionally converted camper vans, may save you from unexpected costs and headaches down the road.

What’s the difference between campervans and motorhomes?

Campervans, often referred to as the more compact option, are typically built on the chassis of a standard van or truck. They offer necessary amenities such as sleeping quarters, a small kitchenette, and sometimes a compact bathroom. Their smaller size makes them easier to maneuver and park, which is ideal for travelers who prefer to explore urban areas or navigate narrow country roads.

Motorhomes, in contrast, are designed for those who desire more space and comfort during their travels. Built on larger truck or bus frames, motorhomes come equipped with more extensive facilities, including full kitchens, larger bathrooms, and separate living and sleeping areas. This makes them suitable for families or groups who need more room and amenities for extended trips.

Do I need specialist campervan insurance for a campervan?

Unlike standard car insurance, campervan insurance is tailored to cover the specific needs of campervan owners, encompassing aspects like personal belongings cover, breakdown assistance, and offer cover for bespoke campervan conversions.

Specialist campervan insurance policies, referred to as 'campervan cover', are necessary to legally drive a campervan and protect against the risks of operating without this specific insurance. Comprehensive campervan insurance cover includes protection against accidental damage, theft, and liability, catering specifically to the unique features and circumstances of campervans.

What kinds of campervans do you cover?

Whether you own a classic campervan, a modern bespoke campervan conversion, or a self-build project, our motorhome insurance policies are made to meet your unique needs. Our classic campervan insurance policies cater to various models, including popular brands like VW Campervans, which are renowned for their iconic style and reliability.

We understand that campervans come in different shapes and sizes, from compact models perfect for solo travelers or couples, to larger variants suitable for families or groups. Our comprehensive campervan insurance covers essential aspects such as personal belongings, breakdown and roadside assistance, and even modifications, ensuring complete peace of mind on your adventures.

Factors affecting campervan insurance costs

The cost of campervan insurance can vary widely based on several factors. Understanding these factors can help you get a better idea of what to expect when seeking a campervan insurance policy quote:

• The value of the campervan: Higher-value campervans typically attract higher insurance premiums. This is because the cost to repair or replace them in the event of an accident or theft is greater.

• The age and experience of the driver: Younger or less experienced drivers often face higher premiums due to the increased risk of accidents. Conversely, experienced drivers with a clean record may benefit from lower rates.

• The type of campervan: Different types of campervans, such as motorhomes or converted vans, come with varying insurance costs. For instance, a fully equipped motorhome might be more expensive to insure than a smaller, simpler campervan.

• The level of coverage: Comprehensive campervan insurance, which offers extensive protection against accidents, theft, and damage, tends to be more expensive than third-party coverage.

• The location where the campervan is kept: Campervans stored in urban areas may incur higher premiums due to the increased risk of theft and vandalism compared to those kept in rural locations.

• The driver’s claims history: A history of claims can lead to higher premiums. However, a no-claims bonus or claims discount can significantly reduce the cost of your insurance.

By considering these factors, you can better understand the potential campervan insurance cost and find a policy that suits your needs and budget.

What is excluded in campervan insurance cover?

Depending on the policy and the provider you choose, exclusions can vary considerably. However, in general, campervan insurance won’t cover:

• Living in the campervan full time

• General wear and tear

• Vermin infestations and any resulting damage

• Using your campervan for business (Trade use needs a different policy)

• Theft if you’ve left your campervan unlocked or a window open (Even if you were in the campervan at the time)

• Mould and mildew

• Breakdown cover

It's also important to consider camper conversion insurance, as the cost may vary based on individual circumstances and the specifics of the vehicle conversion. Declaring all modifications made to the vehicle is crucial, as these changes can significantly influence both the price and the level of coverage provided by the insurance.

Frequently asked questions

Are there any limited mileage discounts available for campervan insurance?

When looking for campervan insurance, there are various discounts available that can help you save money. Common discounts include multi-vehicle policies, safe driver discounts, low mileage discounts, and more.

Can I get self build classic campervan insurance for a vehicle used for both personal and business purposes?

Yes, you can insure a campervan for both personal and business use. It's important to disclose all relevant details to your insurer to ensure proper coverage. Balancing personal and business needs in your camper van policy is crucial for adequate protection.

Are there any restrictions on where I can travel with my campervan for insurance coverage?

When insuring your campervan, be aware of coverage restrictions based on travel locations. Some policies may limit coverage outside specific areas or countries. Review your insurance terms to ensure you comply with any travel restrictions to maintain coverage.

Do I need to notify my insurance provider if I make modifications to my campervan?

When undertaking van conversions for your campervan, it’s crucial to inform your insurance provider and consider self build campervan insurance. Notifying them ensures that your coverage aligns with your vehicle’s changes, keeping you protected on the road. Remember, transparency is key.

Do I really need campervan insurance quotes?

Yes, you do. If you use your campervan on roads and in public places then there’s a strict legal requirement to have an insurance policy in order to protect others in the event of a road accident. That said, while there’s a bare legal minimum of cover, you probably won’t want to stop there.

The last thing you want is for your once-in-a-lifetime road trip to be well and truly spoiled by theft, damage, accident or loss. With the right insurance coverage in place, you’ll be able to relax in the knowledge that if anything does go wrong, it can be easily and quickly put right.

Do I need a special licence to be insured to drive a campervan?

To insure your campervan, you obviously need to be properly licensed to drive it. To find out if you have the right licence then you’ll need to consider the size of your vehicle and when you passed your driving test.

If you passed your driving test before 1st January 1997 you have a category C1 licence and can drive any vehicle with a maximum authorised mass (MAM) of between 3.5 to 7.5 tonnes. That’ll cover you for all campervans and even large motorhomes.

However, if you didn’t pass your driving test until after 1st January 1997 you have a category B or B1 licence and can only drive vehicles up to 3.5 tonnes or less. If you want to drive something larger, then you’ll need to take an additional driving test to add the C1 category to your driving licence.

What are the differences between campervans and motorhomes?

Campervans are smaller and more compact compared to motorhomes with basic facilities. They are usually built on the frame of a van or a truck, and they can accommodate 2-4 people.

Motorhomes, on the other hand, are much larger and more spacious than campers/campervans. They are often built on a truck or bus frame, and they can accommodate more than 4 people.

Another difference between campers/campervans and motorhomes is their cost. Campers/campervans are generally more affordable than motorhomes, although the price can vary depending on the quality and features of the vehicle.

When converting a campervan, it is important to meet specific criteria to ensure it is legally classified as a motor caravan. Proper documentation, driving history and adherence to regulations are crucial for the vehicle to be categorised correctly in the DVLA's records.