Campervan Insurance Considerations: Solar Panels, Pop-Tops & Reverse Cameras

Converting a van into a campervan, often known as a DIY campervan or van conversion, is an exciting and rewarding project.

However, it’s essential to consider all the relevant factors you can to ensure that your custom-built campervan is adequately insured.

Key features such as solar panels, pop-top roofs, and reverse cameras can impact your insurance needs and your premiums.

This comprehensive guide will delve into these components and how they affect campervan insurance, so you can make sure you have the necessary coverage for your self-build campervan.

A Quick Introduction to Campervan Conversions and Insurance

The surge in popularity of van conversions has led many enthusiasts to undertake self-build campervan projects. These customised vehicles offer a unique and personalised travel experience, but they also present distinct insurance challenges.

Insuring a self-build campervan involves more than just standard vehicle insurance. You need to consider all the modifications and additional equipment you’ve installed, such as solar panels, pop-tops, and reverse cameras, which can influence both the cost and extent of your coverage.

How Do Solar Panels Affect Campervan Insurance?

Solar panels are a popular addition to campervans, providing a sustainable and cost-effective energy source. They allow you to power appliances and charge batteries without relying solely on traditional power sources, making off-grid adventures more feasible.

Insurance Considerations for Solar Panels

1. Valuation: The cost of installing solar panels can be pricey. It’s essential to declare the value of the panels to your insurer, so they are covered in case of theft or damage.
2. Installation Quality: Insurers may require proof that the solar panels were installed by a professional to mitigate the risk of improper installation, which could lead to damage or accidents.
3. Additional Coverage: Some insurance policies might not automatically cover solar panels, so you may need to add an endorsement to your policy to ensure they are protected.

Pop-Tops and Campervan Insurance

Pop-tops are roof modifications that provide additional headroom and sleeping space in your campervan. They are especially popular in smaller vans, transforming them into more versatile and comfortable living spaces.

Insurance Considerations for Pop-Tops

1. Modification Declaration: Any structural modifications, including pop-tops, must be declared to your insurer. Failure to do so can invalidate your policy.
2. Increased Value: Pop-tops can significantly increase the value of your campervan. Ensure your insurance coverage reflects this added value to avoid being underinsured.
3. Maintenance and Repair: Regular maintenance of pop-tops is crucial to prevent damage. Some insurers may require evidence of ongoing maintenance to keep your policy valid.

Can Reverse Cameras Affect Campervan Insurance?

Reverse cameras enhance safety by providing better visibility when backing up, reducing the risk of accidents. They are particularly useful in larger vehicles like campervans, where blind spots can be more prominent.

Insurance Considerations for Reverse Cameras

1. Safety Discounts: Installing reverse cameras can sometimes qualify you for discounts on your insurance premium, as they reduce the likelihood of accidents.
2. Professional Installation: Similar to solar panels, insurers may prefer or require that reverse cameras be installed by a professional to ensure they function correctly and safely.
3. Coverage for Electronics: Check if your insurance policy covers electronic accessories like reverse cameras. You may need to add specific coverage for these devices.

General Insurance Tips for Self-Build Campervans

Here are a few tips and tricks that we’ve picked up over the years – we’ve been offering specialist campervan insurance since 1998, so we’ve got a lot of experience covering all sorts of different campers and motorhomes.

Get an Accurate Valuation

Ensure you accurately value your campervan, including all modifications and additions. This comprehensive valuation will help you obtain the right coverage and ensure you are fully compensated in the event of a claim.

Click here to find out how you can get an agreed valuation policy from Just Kampers Insurance in a few simple steps, or call our friendly team on 01256 444 546.

Comprehensive Coverage

If possible, get yourself a comprehensive insurance policy which covers a wide range of risks, including theft, fire, accidental damage, and third-party liability. Comprehensive coverage provides the best protection for your investment, although they do tend to cost more.

Documentation

Keep detailed records of all modifications, including receipts, installation documents, and maintenance logs. This documentation can be crucial when filing a claim or proving the value of your campervan.

Specialist Insurers

Consider using specialist insurers who understand the unique needs of campervan owners. These insurers are more likely to offer tailored coverage options that suit your specific requirements.

For example, we’ve been specialists in campervan insurance since 1998, and have a friendly team of experts on hand to take your calls or answer any questions you might have.

Click here to learn more about Just Kampers Insurance.

Let’s Summarise

Building and customising your own campervan is a fulfilling project that offers unparalleled freedom and flexibility, but it’s essential to consider the insurance implications of your modifications, particularly when installing things like solar panels, pop-tops, and reverse cameras.

By understanding these considerations and ensuring you have comprehensive campervan insurance, you can protect your investment and enjoy peace of mind on the road.

For more detailed information on campervan insurance and to explore coverage options for your self-build campervan, visit Just Kampers Insurance.

For must-have parts and accessories for your self-build camper conversion, visit our sister company, Just Kampers. You’ll get 10% off your JK orders when you insure with us, too!

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.