What’s the difference between campervan insurance and van insurance?

31 May 2024

We’ve put together this quick guide to explain the differences between camper insurance and van insurance, and why the two types of vehicles will have different prices when you come to insure them.

 This is one of a whole range of guides you’ll find here at Just Kampers Insurance to help you get a better understanding of campervan insurance, and vehicle insurance in general.

Van Insurance VS Camper Insurance: What’s the difference?

While a campervan might be created using the same base vehicle as a regular van, the two will likely end up costing different amounts to insure, but why?

In general, campervan insurance is usually cheaper than insurance for a commercial van, as campers are classed as leisure vehicles. This means that they’ll likely cover fewer miles, and will generally be used in the summer months when the weather is (supposedly) better.

These differences mean that you’re generally less likely to make a claim on your campervan insurance since you’re not driving it as often, and because when you are driving your camper it’s generally when the roads are in better shape and the driving conditions aren’t as hazardous.

This in turn means that insurance underwriters feel comfortable offering you vehicle insurance at a lower rate than they might if you were insurance a commercial van which was being driven long distances five, six, or seven days a week, all through the year.

You’ll usually find that this holds true even if the value of a camper is higher than the value of a van of the same type – for example a VW T6.1 campervan and a VW T6.1 van.

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Insurance for Day Vans

You might find that if it’s hard to clearly define your vehicle as either a campervan or a commercial van, you may struggle to get an accurate vehicle insurance quote.

For example, if you have a ‘day van’ which you use for carrying work equipment during the week, but go away in over the weekend.

Luckily, we’ve been offering tailored vehicle insurance for campervan owners since 1998, so we can absolutely help! Get in touch with our friendly team of experts via email or on 01256 444546, and we’ll make sure you’re offered a selection of different vehicle insurance quotes which are tailored to you and your vehicle, so you can pick the one which works best for you.

A Renault Trafic Campervan - Image provided by Alisha Sernetz

Making Sure You’ve Got the Right Cover for Your Vehicle

Whatever van you’ve got, whether it’s a fully converted camper, a bare-bones works van, or something in between, it’s important to ensure that your vehicle insurance properly covers you.

As many campervan conversions are based on commercial vehicles, it’s often possible to get quotes from both car insurers and commercial van insurers. However, the levels of cover can be very different between the two types of policy.

It’s therefore important to speak to a specialist like Just Kampers Insurance to ensure you get a policy that suits your own particular needs.

If you need vehicle insurance which allows you to occasionally use your campervan for work purposes, or your works van for the odd weekend away, we can arrange a vehicle insurance policy to suit you.

A VW T4 Transporter

A Quick Summary

Ultimately the main difference between a vehicle insurance policy for a camper and a van comes down the price. As we’ve discussed, there are a few elements which factor into this price difference, but it’s generally down to how much you’ll be using your vehicle, when you’ll be using it, and what you’ll be using it for.

Simply put, you’ll often find that campervan insurance is cheaper than van insurance, because it’s deemed by insurers to be less of a risk, which means they’re happy to offer insurance at a lower rate.

To find out exactly how much you can insure your campervan or works van for, get in touch with our team of friendly experts today via email or on the phone.

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.

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