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Campervans Insurance

Campervan Brands That Can be Expensive to Insure

Published 25 July 2024 | Last updated 21 January 2026

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.

Campervan Brands That Can Be Expensive to Insure

What Factors Influence 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.

Get A Quote for Campervan Cover

How to Manage 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 Excess

Choosing a higher deductible (excess) 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.

Where Can I Buy Parts for my Campervan?

Our sister company Just Kampers offers a huge range of parts and accessories for all kinds of campervans. Whether you’re starting a campervan conversion project or want to add some finishing touches, they’ve got everything you’ll need.

Click here to view the full range!

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’re specialists in campervan insurance so we know how to get you the best deals on your policy. Get a quote or give us a call on 01256 44 45 46 to find out more.

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.

Get In Touch

So, give us a call on 01256 44 45 46 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.

What Factors Influence Campervan Insurance Costs?
Which Makes of Campervan Can be Expensive to Insure?
How to Manage Insurance Costs for Expensive Campervans
Shop Around for Quotes
Increase Security Measures
Maintain a Clean Driving Record
Opt for Higher Excess
Multi-Car Insurance Policies
Where Can I Buy Parts for my Campervan?
In Conclusion

What Should I Do and Not Do if I Have an Accident? FAQs

Do I need to tell my insurer about an accident if I’m not making a claim?

Yes, you should still notify your insurer about the incident, even if you don’t intend to claim for damage to your own vehicle. Your policy may require you to report incidents which could potentially lead to a claim, particularly if another driver later decides to make a claim against you.
Reporting the accident promptly also ensures your insurer has a record of your version of events.

How quickly should I contact Just Kampers Insurance after an accident?

You should report an accident as soon as reasonably possible. Having your policy number, details of what happened, information about the other people and vehicles involved, photographs and any witness details to hand can help make the process easier. Just Kampers Insurance customers have access to a claims service 24 hours a day, seven days a week.

Will I have to pay my excess if the accident wasn’t my fault?

If you make a claim through your own insurance policy, your policy excess may still be payable initially. Depending on the circumstances of the accident, you may subsequently be able to recover this from the responsible party.

Your claims handler can explain what applies to your particular claim and whether your excess may be recoverable.

Can legal protection help if the accident wasn’t my fault?

Just Kampers Insurance policies include legal protection, which can provide assistance following a non-fault accident, subject to the policy terms, limits and exclusions.

This can include help pursuing eligible uninsured losses, such as an excess you have paid, as well as assistance with certain legal expenses, vehicle hire or claims relating to injuries and other losses.

Will I get a courtesy car while my vehicle is being repaired?

This will depend on your cover and how your claim is handled. If you make a claim under a comprehensive policy and use an approved repairer, a courtesy car may be available for the duration of the repairs, subject to availability.

Different arrangements may apply following a non-fault accident, so speak to your claims handler before arranging alternative transport yourself.

What happens if my campervan or motorhome is written off?

Your insurer will assess the vehicle and the terms of your policy before determining how the claim will be settled.

This is particularly important for classic, converted and specialist vehicles, where modifications and the vehicle’s specification can have a significant impact on its value. If your policy includes Agreed Value cover, check your policy documents to understand how this applies to a total-loss claim.

What if modifications to my campervan are damaged in the accident?

Make sure you tell your claims handler about damage to modifications and converted parts of the vehicle, rather than documenting only the exterior bodywork.

Photograph damaged pop-tops, awnings, furniture, fitted equipment and other converted elements where it is safe to do so. Keeping photographs and documentation relating to modifications before an accident can also help demonstrate your vehicle’s specification and condition.

Should I arrange my own garage to repair the vehicle?

Speak to your insurer or claims handler before authorising significant repairs. The insurer may need to inspect the vehicle, review photographs or agree repair costs before work begins.

This can be especially important with classic vehicles, campervans and motorhomes, where specialist components or conversion work may require particular expertise.

What should I do if the other driver’s insurer contacts me directly?

Don’t ignore correspondence about the accident, but avoid getting drawn into discussions about liability or agreeing a settlement without speaking to your insurer.

Just Kampers Insurance advises customers to forward third-party correspondence unanswered so it can be dealt with appropriately.

What if the other driver doesn’t have insurance or leaves the scene?

Gather as much information as you safely can, including the vehicle registration, make, model and colour, photographs or dashcam footage, and witness details.

Don’t attempt to chase a vehicle that leaves the scene. Report the incident to the police where required and contact your insurer promptly so they can advise you on the next steps.

Can I claim for belongings damaged inside my campervan or motorhome?

Whether damaged belongings are covered will depend on your individual policy and the cover you have selected.

If items inside your vehicle are damaged in an accident, photograph them and keep any evidence of ownership and value, such as receipts. Don’t dispose of damaged items until you have spoken to your claims handler.

What happens to my no-claims bonus after an accident?

The effect on your no-claims bonus will depend on factors including how the claim is recorded and the terms of your policy. Even where you have a protected no-claims bonus, a fault or pending claim may still affect future insurance premiums.

Check your policy documents or speak to the Just Kampers Insurance team if you’re unsure how a particular claim could affect your policy.

What information should I have ready when I report an accident?

It helps to have as much information as possible available, including your policy number, the date and location of the accident, details of the other driver and vehicle, photographs of the scene and damage, witness details, dashcam footage and any police reference number.

Don’t worry if you don’t have everything immediately. Report the incident promptly, and your claims handler can explain what additional information may be needed.

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Written by: Beth Cane

Beth is a Marketing Executive at Just Kampers, with a growing passion for the Volkswagen and motor industry. She loves road trip adventures and attending various motor shows with friends and family in her free time.