What is Campervan Insurance?
Campervans are a great way to get out and see the world in a cost effective way. Popular amongst all age rages, campervans have boomed in popularity over the recent years.
As such, suitable campervan insurance is needed to ensure you are driving on the roads legally and have all your belongings protected in the event of an accident.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
What’s The Difference Between A Campervan And A Motorhome?
A motorhome is more modular in its layout with various areas designed for living in. These include areas such as a kitchen, living area and sleeping area. A motorhome will often have a toilet and shower room whereas a campervan will not.
A campervan is typically a van that has been converted into a living space. A motorhome on the other hand will sit on a van chassis but the back will be built by a coach builder from an original specification.
Will I Need Specialist Cover For My Campervan?
Yes, campervans typically require specialist insurance. While it’s possible to insure a campervan under a standard car insurance policy in some cases, specialist insurance is often recommended due to the unique risks and circumstances associated with campervans. Here’s why:
- Nature of Use: Campervans are not just vehicles; they’re also living spaces. This dual use means they have a set of risks that standard cars do not. For instance, a campervan might contain valuable equipment such as cooking appliances, electronics, and personal belongings.
- Custom Modifications: Campervan owners frequently make modifications to their vehicles to enhance their living or storage space. A specialist policy can account for these customizations, ensuring they are adequately covered.
- Equipment & Contents Cover: A campervan insurance policy will often provide coverage for the contents inside the campervan, such as personal belongings, camping equipment, and even fitted accessories like solar panels or awnings.
- European Travel: Many campervan owners travel across Europe. Specialist insurance can offer extended European cover, ensuring the campervan is insured while abroad.
- Laid-Up Cover: If you only use your campervan seasonally, you might be able to get a “laid-up” policy, which reduces coverage (and therefore premiums) when the campervan is off the road and in storage.
- Campsite Liability: While at a campsite, there are potential liabilities specific to campervans, such as gas leaks or fire hazards from installed appliances. Specialist insurance can account for these scenarios.
- Mileage Limits: Since many campervans aren’t used as daily drivers, you might be able to get a reduced rate by opting for a limited mileage policy.
While specialist campervan insurance might sound like it would be more expensive, it can offer better value in terms of adequate cover for the specific risks campervans face. It’s crucial to compare policies and providers to find the best fit for your needs and budget. Always read the terms and conditions and understand the level of cover provided.
Self-Build Campervan Conversion Insurance
Self-Build Campervan Conversion Insurance is a specialist insurance product designed for individuals who are converting (or have converted) a standard van into a campervan or motorhome themselves, rather than purchasing a pre-built one from a manufacturer.
Converting a van into a campervan often involves significant modifications, such as installing sleeping facilities, cooking equipment, plumbing, electrical systems, and more. These modifications can significantly alter the value, functionality, and safety profile of the vehicle.
