If you’re looking to take the plunge into campervan ownership by converting your own van, then this guide can help you make an informed decision about which base vehicle to pick.
Since we’ve been offering specialist insurance since 1998, we can explain why some campervan brands can be more expensive to insure than others, and why.
The cost of campervan insurance can often be impacted by things like their market value, repair costs, and specialised features.
In this blog we’ll delve into these brands, helping you make informed choices whether you’re purchasing a ready-made camper or embarking on a self-build or DIY campervan project.
Factors Influencing Campervan Insurance Costs
Several factors contribute to the cost of insuring a campervan, including:
Vehicle Value: Higher-value campervans generally have higher insurance premiums due to the potential cost of claims, as well as them being more attractive to thieves.
Repair Costs: Campervans with specialised or expensive parts can be costlier to repair, impacting insurance rates. This can also be true to expensive modifications or additions, such as solar panels or alloy wheels.
Safety Features: Campervans with advanced safety features might have lower insurance premiums, as they’re either deemed less likely to be involved in a collision, or that the collision is likely to be less severe due to those safety features.
Usage and Mileage: The intended use (e.g., full-time living vs. occasional travel) and mileage of the campervan affect insurance rates, and you can get a limited mileage discount at Just Kampers Insurance to help keep the cost of your insurance down if you’re not intending on driving your camper very much over the course of a year.
Customisations: Modifications made during self-build or DIY conversions can also impact insurance costs, although modification cover is a standard feature in the vehicle insurance policies we offer.
Which Makes of Campervan Can be Expensive to Insure?
This might be a bit of a misleading question, and there aren’t any makes which will always be expensive to insure.
If you go to a specialist insurer like Just Kampers Insurance for vehicle cover on your camper, then they’ll take a number of different factors into consideration while getting you a quote, rather than just setting the price based on the camper’s manufacturer.
Things like safety features, where and how it’s parked overnight, and how often you intend to use it will all play a factor, and can have more of an impact than just the make of your camper.
Managing Insurance Costs for Expensive Campervans
While owning a high-end campervan comes with higher insurance costs, there are ways to manage and potentially reduce your premiums:
Shop Around for Quotes
Different insurers may offer varying rates for the same campervan, which is why the team here at Just Kampers Insurance will check over 300 different options for you every time you get an insurance quote with us.
It’s essential to shop around and compare quotes from multiple insurers to find the best deal, and we’ll do all the hard work for you, then bring you back a selection of the best deals for you.
Click here to get a quote from Just Kampers Insurance now.
Increase Security Measures
Investing in security features such as alarms, immobilisers, and tracking devices can reduce the risk of theft and may qualify you for discounts on your insurance premium. Check with your insurance provider to see whether they offer a discount based on security features, and whether there are any particular measures they’d recommend.
Maintain a Clean Driving Record
A clean driving record demonstrates responsible driving behaviour and can lead to lower insurance premiums, as well as helping to keep you and other road users safe.
Opt for Higher Deductibles
Choosing a higher deductible can reduce your premium, but it’s important to make sure that you can afford the deductible amount if you do need to make a claim.
Multi-Car Insurance Policies
If you have multiple vehicles at your address, you may be able to get a discount with a multi-car insurance policy. Not all insurers will offer this, but they’re available here at Just Kampers Insurance, and you can save up to 65%!
Click here for more information about our multi-car discounts.
In Conclusion
Choosing the right campervan involves considering various factors, including the cost of insurance.
Understanding the reasons behind these higher costs can help you make informed decisions when purchasing a campervan.
Additionally, exploring ways to manage and reduce insurance costs ensures that you can enjoy your campervan adventures without breaking the bank.
We’ve also put together this guide called : Should I buy a campervan? It explores the pros and cons of campervan ownership to help you decide if it’s the right fit for you.
For more information on campervan insurance and to explore coverage options tailored to your needs, visit 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.
