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From the classic VW campervan to new conversions, what is the best best campervan insurance? The short answer is, it depends. Read this guide of campervan insurance advice to learn more about getting a campervan insured and gets quotes when you're ready.
Cheap campervan insurance
The best way to find cheap caravan insurance is to compare campervan insurance quotes from multiple providers. This can be done by using a comparison service or by checking specialists one by one (using a comparison site should take less time). While standard campervans might be insurable by household name insurers, you might need a specialist to insure classic campervans or campervan conversions (self build and professional).
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What's covered by campervan insurance?
Campervan insurance comes in three tiers, just like regular car insurance. Here is a brief overview of what each of these tiers covers:
- Third Party Only (TPO): Only covers damages to third parties
- Third Party, Fire & Theft (TPFT): Covers damages to third parties and also loss or damage to your campervan due to fire, theft or attempted theft
- Comprehensive: TPFT cover, plus cover for damage to your campervan in an at-fault accident
Beyond this, if you buy comprehensive cover, it's important to look for certain features specific to campervans and what can go wrong. Coverage will vary from provider to provider, but here are some desirable features to be aware of when comparing policies:
- Audio equipment
- Nav equipment
- Personal belongings
- Windows and windscreens
- Gas explosions
- Replacement keys/locks if your keys/fob are stolen
- Fitted accessories (including those added later)
- Accident recovery
- European accident recovery
- Courtesy car and overnight accommodation if your campervan is disabled in an accident
- Alternative transport if your campervan is stolen
- New campervan replacement in case of a write off or theft (for new/low mileage campervans only)
- Excess refund if damaged in an accident caused by an uninsured driver
- European travel cover (e.g., 90 days a year)
Campervan conversion insurance
Most campervan specialist insurers will offer cover for conversions, but some extra steps are typically required to get a policy (or even a quote). This is because the insurer will need to have a good understanding of the vehicle before they will insure it.
Campervan conversions can include self build campervans and bespoke or professional conversions. While requirements might vary from provider to provider, if you're wondering how to insure a campervan conversion, you'll probably need to provide the following to get self-build campervan insurance:
Campervan insurance rules
While rules for campervan insurance will vary from provider to provider, there are some rules common to many policies that could void your cover if not followed,as well as some common exclusions to cover. These are typically not covered by campervan insurance:
- Wear and tear
- Loss or damage from theft if keys were left in the ignition
- An accident caused by someone driving the campervan who does not have the appropriate licence
- An accident caused by someone driving the campervan who is covered to drive the vehicle (as listed on the certificate of insurance)
- Damage to tyres by braking, punctures, cuts or bursts
- Damage to the campervan from domestic animals, insects or pests
Temporary campervan insurance
Short term campervan insurance is typically purchased by campervan renters, and it effectively sits on top of a campervan owner's existing annual insurance policy to cover the campervan while the renter is in charge of it. In the case of a rented campervan, it's the renter who will pay for temporary campervan insurance.
Short-term campervan insurance is typically available for between 3 and 30 days, and costs from around £20 a day.
Campervan insurance under 25
Campervan insurance for 21 to 25 year olds will be more expensive, but it is available. Drivers under 21 years of age might have trouble finding campervan insurance.
Is campervan insurance cheaper than van insurance?
In general, campervan insurance is typically cheaper than van insurance due to three factors. These three factors make van insurance quite a bit more expensive than car insurance:
- Campervans usually do fewer miles than vans per year
- Campervans are not driven for commercial purposes, whereas many vans are
- Claims are typically less likely for campervans than vans
As a result it is usually cheaper to insure a campervan than a van, all else equal (many factors affect the cost of vehicle insurance—read more here).
What is the best campervan insurance?
While there is no one 'best' campervan insurance for all vehicles and all drivers, here are some tips for find the best policy and company for you:
- Check who underwrites the policy (e.g., Comfort Insurance is underwritten by Aviva)
- Check customer ratings and independent reviews of the provider and underwriter (e.g., What Motorhome Insurance Provider of the Year)
- Check the underwriter's % claims paid out
- Check who provides the breakdown cover (e.g., AA)
- Check the excess (the amount you pay towards a claim)
- Make a list of the features and what is covered
Do I need campervan insurance?
Absolutely! Just like any car or van on the road, driving a campervan without insurance is illegal.
(If you don't drive the campervan and it is just parked on private property/stored in a garage, you can make a Statutory Off-Road Notification (SORN). This means you can't drive the vehicle, but you also don't need to tax the vehicle or insure it. However, even though insurance isn't a legal requirement for a SORN vehicle, some people still choose to insure vehicles with a SORN to protect against damage or loss due to fire or theft, for example.
Can I add a campervan to my car insurance?
If you're wondering if you can insure a campervan with your car insurance, it depends on the type of campervan and the insurer. First, you'll need to find out if your insurer has multicar policies. If so, then they might be able to add a campervan to your car insurance, but it will depend on the type of caravan.
For example, Admiral allows standard campervans to be added to car insurance policies. But camper conversions cannot be added to car insurance.
How hard is it to insure a self-converted campervan?
It is harder to insure a self-converted campervan, as fewer insurers will be willing to do so. Also, it is usually more expensive to insure a self-built or modified campervan than insuring a professionally-converted campervan. But there are specialist providers in the market who will do so.
Keep in mind that unlike a standard campervan, it might not be possible to add a home-built campervan to an existing car insurance policy. (But if you have van insurance, your insurer might add a converted campervan to your van policy.)
To insure a self-converted campervan you'll need to provide extra information to the insurer, such as photos and a gas and habitable certificate. These extra checks means getting insurance for a self-converted campervan can take more time, so plan ahead.
How to make campervan insurance cheap
There are many ways to lower the cost of campervan insurance, from lower mileage to better security to paying annually. But remember, details you submit on an application must be truthful or your invoice could be invalidated.
- Mileage. Lower miles driven each year should translate into a lower insurance premium.
- Payment. Making an upfront, annual payment is usually cheaper than paying monthly, being monthly installments are usually charged at an APR over 20%
- Memberships. Being a member of a camping association, recognised web forum or camper owners' club can secure discounts of up to 15%.
- Parking. Keeping a campervan on private property or in a secure garage will typically lower the insurance premium.
- Security. Opting for the best security possible should also secure you a cheaper insurance quote.
Temporary campervan insurance is usually only available for up to one month. To get six months of cover you'd probably need to buy an annual policy, which you then cancel after the six months is up. But you'll have to pay cancellation fees to do so, and you will probably get back less than half of your original premium as a refund.
Yes, temporary campervan insurance is available from a number of specialist providers, for example for someone renting a campervan for a holiday.
Yes, Direct Line offers campervan insurance (e.g., through van insurance), but it seems that coverage can be a bit hit or miss. They may be quite competitive on low-risk or standard campervans, but they don't seem to insure conversions, for example. Customers report that Direct Line may not be able to offer cover for a particular vehicle, or perhaps due to other particulars of an application.
Yes, Aviva partners with Comfort Insurance to offer campervan insurance. Aviva is the underwriter and Comfort Insurance is a family-owned business that specialises in campervan insurance. If you try to get a quote via the Aviva website, you'll be redirected to Comfort Insurance.
Yes, Adrian Flux do campervan insurance, including temporary, renter insurance and converted campervan insurance. As a specialist broker, they work with a number of insurers such as Arkel, Aviva, Axis, Geo, Stubben Edge, Trinity Lane, UK General and Zenith. Keep in mind that they can offer discounts of up to 15% if you belong to a recognised web forum or camper owners club.