Campervan Conversions, Implications for Insurance

24 April 2023 | Last updated 28 March 2025

So, you’ve purchased a bog-standard panel van and are in the throes of preparing it for conversion, or you’ve arranged for it to be professionally converted to suit your specific needs, whether it be for mountain biking trips, full-blown European holidays or just for camping at shows, festivals, and events.

It’s important to make sure that you tell your insurer about any changes that are made to ensure they are accounted for should the worst happen. Don’t worry though, Just Kampers Insurance is precisely set up to accommodate your specific campervan conversion insurance requirements.

Anyone who’s worked on a van conversion will likely be very protective over their hard work. At Just Kampers Insurance, we appreciate the beauty that is a camper conversion project and are well aware that no two converted vans are the same. That’s why we take time to consider all the features and modifications of every campervan we insure so that we offer the right cover to keep it protected.

Look at our blog on how much a campervan conversion costs.

Here are some considerations you should make before insuring your camper.

Campervan in conversion - Just Kampers Insurance

Campervan conversions and the implications for insurance.

Anything that changes how your vehicle drives or looks can be classed as a modification and this includes making changes to the interior of your vehicle.

Adding items such as a rock and roll bed, pop top, insulation, leisure battery, captains’ seats, additional windows, a gas stove and kitchen fittings are all fairly “standard” parts of a camper conversion but are also all classed as modifications, so you need to ensure you find an insurer that understands and accepts this.

Cover for certain high-risk modifications that even many specialist camper van conversion companies may not be able to accept such as log burners, can also be arranged (although this may incur additional terms such as the requirement for a fire extinguisher or a higher excess for Fire).

Insuring a campervan conversion.

Some insurance companies will have strict criteria as to what constitutes a Campervan Conversion and indeed, even the DVLA have fixed criteria that must be met for them to recognise it as a conversion but Just Kampers Insurance are still able to cover your conversion, even if it doesn’t meet all the DVLA criteria to get the logbook changed.

Campervan Conversion Insurance – Peace of mind with Just Kampers Insurance

Just Kampers Insurance can cover professional, custom, or self-build conversions and have policies that can cater to camper conversions of any age or size and even Micro Campers converted from large cars or people carriers. We are also able to provide cover during the conversion, so you are still free to travel or go camping even while the van is not fully converted.

When you speak to the Just Kampers Insurance team you’ll get bespoke quotes, tailor-made to your individual conversion, so you don’t have to worry about not being covered properly. Whether you drive a professionally converted coach-built Camper or a DIY converted commercial vehicle we can arrange a policy to accommodate it.

Converted VW T2 Bay - Just Kampers Insurance

List of modifications we cover

We know how hard it can be to find fair insurance for modified vans, so we take the time to put together the right policy which means you don’t need to compromise on coverage or price. The modifications we insure include the following:

• Cosmetic changes including spoilers and body kits
• Racking, storage, and interiors
• Adding or removing seats
• Adding or removing windows
• Adding different power supplies, split charge & 240v hook up
• Non-standard alloy wheels
• Audio or entertainment upgrades
• Refrigeration
• Suspension modifications Lowering / Air-ride setups / adjustable ride height.
• Facelift upgrades
• Engine power upgrades / Remapping
• Non-standard engine replacements
• Paint / Graphics / Body wraps
• Cooking / gas / sink installations

Speak to the Just Kampers Insurance team to learn more about our modification cover.

When you insure your campervan conversion you automatically receive the following benefits.

Our range of Policy Benefits mean that you can enjoy your travels with peace of mind.

Limited mileage discount
EU driving cover
Salvage Retention
Modification Cover
Legal protection up to £100,000
Personal Protection
10% Off parts, accessories, and camping equipment from our sister company Just Kampers for the duration of your policy.

And because everyone is different we’ve created a range of optional policy benefits so that you can shape your insurance exactly the way you want.

You can rely on Just Kampers Insurance to put the right policy in place for your camper conversion, regardless of its age and model type.

But don’t just take our word for it, our customers rate us as excellent on Trustpilot.

Converted VW T5.1 Camper
Converted camper insurance - Just Kampers Insurance

So, give us a call on 01256 674522 and let one of our specialist team discuss your requirements. Or Get an online quote today or arrange a call back and let us call you at a convenient time.

FAQs about Campervan Insurance

How much is campervan insurance?

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.

Is it cheaper to insure a van or a campervan?

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.

Can you insure a campervan as a van?

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.

Can I drive a campervan on my car insurance?

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.

What won’t campervan insurance cover?

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.

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

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.

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

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.

Why Choose Just Kampers Insurance?

We offer a range of policy choices and additions designed to suit a range of needs, from Agreed Value cover that protects the true value of your vehicle, to short-term temporary insurance.

Get 10% off all parts and accessories at our sister company justkampers.com

A friendly team, there if you need assistance

Written by: Jason Sims

Jason is a Marketing Executive at Just Kampers who is a fully-fledged VW enthusiast, with over 20 years’ experience in keeping Volkswagens old and new on the road, he currently owns a 69 Cal Look Beetle, and enjoys attending VW shows and Camping with friends and family.

Whatever you drive, we've got you covered

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