Campervan and Motorhome Vehicle Tax (VED) – Road Tax Guide

VED or vehicle tax can be a confusing topic, especially for future campervan owners. We’ve broken down everything you need to know, and how much you can expect to pay. Read on to find out.

In the campervan or motorhome buying process, one of the biggest annual costs to consider is your road tax (now called Vehicle Excise Duty or VED). For vehicles registered before 2020, getting the VED costs for your campervan or motorhome can be confusing and stressful.

For those not buying new registrations, road tax, or VED, is still a confusing topic as it largely depends on a number of factors.

As both campervan owners and specialist insurers of all campervans, we’ve gone through this process so many times, and wanted to help others through the same process, as we know how confusing it can be.

Road Tax or VED?

First things first, a clarification. VED (Vehicle Excise Duty) is the official name for road tax. VED is also called vehicle tax or car tax, and the government has now taken to using vehicle tax to make it as simple as possible to understand, as it’s a tax on owning a vehicle, not on using the roads.

Vehicle Tax (VED) for Campervans and Motorhomes Explained

In the eyes of the DVLA (Driver and Vehicle Licensing Agency), campervans and motorhomes are the same thing, so they don’t differentiate.

When your campervan was registered and/or its weight will affect the amount of vehicle tax you pay, and the method used to calculate it.

Campervans/Motorhomes Over 40 Years Old

If your campervan was built or registered over 40 years ago, then you don’t have to pay vehicle tax. You have to register as if you were going to pay tax, but you won’t be charged as long as you apply for a tax exemption.

The calculation is done from April every year, so in 2023, vehicles built or registered before 1st January 1982 could apply for a tax exemption from 1st April 2023.

Campervans Registered Before 1st March 2001

For campervans less than 40 years old, but registered before 1st March, 2001, it depends on your gross (also called maximum or revenue) vehicle weight and engine. Campervans weighing under 3,500kg were classed as light goods vehicle, and so were taxed as such.

If your campervan weighs under 3,500kg and has an engine size under 1549cc, then you will be charged £180 per year, and if the engine size is over 1549cc, then you will be charged £295 a year.

Those weighing over 3,500kg will have to check with the manufacturer, as the government doesn’t currently provide information on this.

Campervans Registered from 1st March 2001 to 1st April 2017

If your campervan weighs under 3,500kg and has an engine size of under 1549cc, then you will be charged £180 per year, and if the engine size is over 1549cc, then you will be charged £295 a year.

If it’s over 3,500kg, you’ll pay £165 annually.

Euro 4 and Euro 5 Compliant Campervans

If your campervan is Euro 4 compliant and registered between 1st March 2003 and 31st December 2006 or Euro 5 compliant and registered between 1st January 2009 and 31st December 2010, then you will pay £140 annually.

Campervans Registered Between 1st April 2017 and 11th March 2020

Now, this is where it gets confusing.

If your motorhome or campervan was registered between 1st April 2017 and 11th March 2020, it is in the M1SP category (check with your manufacturer or dealer if unsure) and has its CO2 emissions included on the type approval certificate then you will pay a different rate. Confusing right?

VED or vehicle tax can be a confusing topic, especially for future campervan owners. We’ve broken down everything you need to know, and how much you can expect to pay. Read on to find out.

In the campervan or motorhome buying process, one of the biggest annual costs to consider is your road tax (now called Vehicle Excise Duty or VED). Up until new vehicles from 2020, getting your VED cost on your campervan or motorhome was quite frankly, confusing and stressful.

And for those not buying new registrations, road tax, or VED, is still a confusing topic as it largely depends on a number of factors.

As both campervan owners and specialist insurers of all campervans, we’ve gone through this process so many times, and wanted to help others through the same process, as we know how confusing it can be.

Road Tax or VED?

First things first, a clarification. VED (Vehicle Excise Duty) is the official name for road tax. VED is also called vehicle tax or car tax, and the government has now taken to using vehicle tax to make it as simple as possible to understand, as it’s a tax on owning a vehicle, not on using the roads.

Vehicle Tax (VED) for Campervans and Motorhomes Explained

In the eyes of the DVLA (Driver and Vehicle Licensing Agency), campervans and motorhomes are the same thing, so they don’t differentiate.

Depending on when your campervan was registered and/or its weight will affect the amount of vehicle tax you pay, and the method used to calculate it.

Campervans/Motorhomes Over 40 Years Old

If your campervan was built or registered over 40 years ago, then you don’t have to pay vehicle tax. You have to register as if you were going to pay tax, but you won’t be charged as long as you apply for a tax exemption.

The calculation is done from April every year, so in 2022, vehicles built or registered before 1st January 1982 could apply for a tax exemption from the 1st of April 2022.

Campervans Registered Before 1st March 2001

For campervans less than 40 years old, but registered before 1st March, 2001, it depends on your gross (also called maximum or revenue) vehicle weight and engine. Campervans weighing under 3,500kg were classed as light goods vehicle, and so were taxed as such.

If your campervan weighs under 3,500kg and has an engine size of under 1549cc, then you will be charged £180 per year, and if the engine size is over 1549cc, then you will be charged £295 a year.

Those weighing over 3,500kg will have to check with the manufacturer, as the government doesn’t currently provide information on this.

Campervans Registered from 1st March 2001 to 1st April 2017

If your campervan weighs under 3,500kg and has an engine size of under 1549cc, then you will be charged £180 per year, and if the engine size is over 1549cc, then you will be charged £295 a year.

If it’s over 3,500kg, you’ll pay £165 annually.

Euro 4 and Euro 5 Compliant Campervans

If your campervan is Euro 4 and registered between 1st March 2003 and 31st December 2006 or Euro 5 compliant and registered between 1st January 2009 and 31st December 2010, then you will pay £140 annually.

Campervans Registered Between 1st April 2017 and 11th March 2020

Now, this is where it gets confusing.

If your motorhome or campervan was registered between 1st April 2017 and 11th March 2020, it is in the M1SP category (check with your manufacturer or dealer if unsure) and has its CO2 emissions included on the type approval certificate then you will pay a different rate. Confusing right?

 If your motorhome or campervan was registered between 1st April 2017 and 11th March 2020, it is in the M1SP category (check with your manufacturer or dealer if unsure) and has its CO2 emissions included on the type approval certificate then you will pay a different rate. Confusing right?

M1SP category

If all of the above apply, you’ll pay as if you were a car, hence why you need the emissions certificate.

So, if you have a campervan that meets the above criteria, then you will pay the second payment of £165 annually, or if your list price was above £40,000 then you’ll pay £520 annually for the first five years, starting from the second year you pay tax. After that, it will go down to the second tax payment cost.

Otherwise, you pay the standard motorhome charge, of either £180, £295 or £165.

Campervans Registered After 11th March 2020

Now, it’s much simpler.

It follows the standard motorhome charge scheme, which is as follows:

Under 3,500kg gross vehicle weight

Engine Size (cc) Single 12-month payment
Not over 1549 £180
Over 1549 £295

Over 3,500kg gross vehicle weight campervans pay an annual cost of £165.

Why Do Some M1SP Motorhomes Pay a Different VED?

This was all to do with a change in how new motorhomes were classified at registration. The laws at the time were changed to state that for the purpose of VED, motorhomes and campervans should fall into category M1SP (Special Purpose). This meant that the manufacturer(s) had to provide a Certificate of Conformity (COC) at each stage of the manufacturing process.

For cars, this was simple as they are all built by the same people in the same process.

However, for campervan and motorhome manufacturers, this is trickier, as they are manufactured at different stages by different people. The chassis may be done in one place, the exterior build at another and final interior changes completed elsewhere. This meant that the Certificate of Conformity (COC) provided to the DVLA often had no CO2 figures on, as only the last manufacturer’s COC was considered for the purposes of VED.

So, if the last manufacturer’s COC had no emissions data on, the motorhome was classified as a motorhome, and taxed using the private light (or heavy) goods vehicle cost. For those that had a CO2 figure on their emissions certificate, they were charged the first-year car cost, which could be up to £2,135.

This came into force for September 2019 due to EU law changing, but only lasted a short six and a half months thanks to lobbying from the National Caravan Council. Any new motorhomes or campervans registered between 1st September 2019 and 11th March 2020 did have to pay the increased first year tax costs. Motorhomes/campervans registered after March 2020 now pay the ‘van’ rate, which is what it was previously.

As shown above, campervans that meet the M1SP and have an emissions certificate now pay the second-year cost for cars, but any other campervans/motorhomes won’t.

Is road tax cheaper for a campervan?

Road tax for campervans and motorhomes is the same, so neither is cheaper than the other. And, as some campervans are taxed as cars, the cost is largely the same.

Do you pay road tax on a campervan?

Yes, you do pay road tax on campervans and motorhomes, although they are classified as light goods vehicles rather than cars. They will either be class TC11 (Private or Light Goods) or class TC10 (Private Heavy Goods).

Don’t Forget Insurance When You Tax Your Vehicle

Just Kampers Insurance provides specialist campervan insurance for campervan owners, by campervan owners.

We remain competitive, and if we can’t beat your quote, we’ll give you a £50 Just Kampers gift card. Why not see how we can help you today?

A campervan parked on a coastal road

How To Know If You Can Drive a Campervan

Do you know the difference between a Category B and a Category C1 on your licence? Read our latest blog to find out whether you can actually drive a campervan on your current licence.

Before you go ahead and purchase the campervan (or motorhome) of your dreams, you need to check that you can actually drive it. While yes, you can probably get behind the wheel, put the clutch in, and drive off, you could be driving it illegally if you don’t have the right licence.
Today, we answer the question of what licence requirements you’ll need to be able to drive your campervan of dreams, no matter how big it is!

How Do I Know If I Can Drive a Campervan?

Essentially, how heavy is the campervan and how old are you? The answers to these two questions are your first hurdle to overcome.

The weight of your campervan is the MAM (Maximum Authorised Mass), also called Gross Vehicle Weight (GVW) or permissible maximum weight.

MAM is the maximum weight that your vehicle can carry safely when on the road. You can find the MAM of any vehicle by either looking in the owner’s manual, or by checking inside the vehicle, as most vehicles will have it stamped on a metal plate or sticker somewhere on the chassis.

Then, your age is important because if you passed your test before 1st January 1997, there will be different allowances of what MAM you can drive compared to those who passed their test on or after January 1st, 1997.

Once you’ve got the answers to these two questions, you can move onto the next step.

What MAM (Maximum Authorised Mass) Can I Drive?

If you passed your test before 1st January 1997, then you can drive a Category B (smaller campervans and cars) vehicle and trailer combination of up to 8,250 kg MAM. You’ll also automatically have Category C1 (vehicles between 3,500kg and 7,500kg MAM) on your licence. This will cover you for pretty much every campervan or motorhome commonly available on UK roads, aside from the American RV style motorhomes.

If you passed your test on or after the 1st January 1997, then you’ll be able to drive Category B vehicle and trailer combination up to 3,500kg MAM. This should cover you for smaller campervans and motorhomes. The heaviest T6 currently available is 3,200kg MAM, so you’ll be ok with VWs. However, if you want to drive anything larger like Mercedes Sprinters, you’ll inevitably need to get your Category C1, which those who passed before 1997 have automatically.

The change had to be made at some point as vehicles got larger and more advanced, and driving tests changed to accommodate newer styles of driving.

What’s the difference between Category B and Category C1?

Category Bs are four wheeled vehicles up to a certain weight. It’s what most people would drive on a day-to-day basis for social, domestic, pleasure and commuting purposes.

Category C1 can be thought of as entry level HGV vehicles or specialist work vans. If you’re wanting to drive larger vehicles for work, then you may want to get your C1 if you haven’t already.

Should I Get My Category C Licence for My Campervan or Motorhome?

Category C is for vehicles over 3,500kg with no upper limit. If you’re planning to get an American RV at some point, or drive lorries or buses for work, then you may want to consider getting your Category C. Aside from this, there shouldn’t be a need for you to get your Category C.

So, Can You Drive a Motorhome or Campervan on a Car Licence?

Technically, yes, as long as the campervan or motorhome is under the MAM weight that your licence allows in your Category B section.

However, unlike licence categories, you can’t use the same insurance for your car and your campervan. Speak to Just Kampers Insurance today for a competitive quote that is tailored to your campervan needs.

Can I Use My Campervan as My Primary Vehicle?

Is your campervan going to be your daily driver? Discover the practicalities, benefits and negatives to using your campervan as a commuting or primary vehicle.

When you’re considering the viability of owning a campervan, one of the questions you might have to justify is “well, what’s that campervan going to do during the week?”

Campervans are used by many across the country as a daily driver, commuting vehicles and even for some, their primary vehicle!

But how feasible is it to use your campervan as a daily driver, and more importantly, is it worth it?

Campervan as a Daily Driver: The Logistics

Not only is driving around a vehicle that is larger than most cars a key consideration when using a campervan as a daily driver, there are other logistical considerations you’ll need to think about.

MPG, parking and the duties for older diesel engines are just some of the issues. And for those who aren’t with a specialist campervan insurance provider, the limits that high street insurance policies have on only using your car for social and domestic use.

MPG of Campervans for Commuting

When driving long distances, the MPG of a campervan will be higher, especially if you’re driving at the optimal speed of 55mph. However, when driving in urban and suburban areas, the stop-start motions, plus the inevitable traffic jams at peak journey times will all negatively affect your MPG.

Plus, when your MPG is already lower because of the size and weight of the campervan, and with the increasing cost of fuel, low MPG costs more than ever before.

Parking Problems When Commuting with a Campervan

As well as fuel consumption, the second biggest logistical issue with commuting in a campervan is parking. From parking spaces being too small, to there being height restrictions on public car parks, parking can be a problem.

It can take some planning using sites like Parkopedia to check the height allowance of any car park, and some talking with your employer to ensure they’re happy with a larger than normal vehicle parked in their car park.

Increased VED (Vehicle Excise Duty) for Diesel Vehicles

Motorhomes and campervans are split into two bands for VED (Vehicle Excise Duty). You will either be taxed based on the revenue weight (also called maximum gross vehicle weight, or MGM), or you will be taxed like a car, based on your listed CO2 emissions. HonestJohn break down the cost into tables on their blog.

Regardless of how your VED is taxed, if it’s an older diesel it is going to be expensive. And, if you’re commuting into a city centre with a low emission zone, you’ll be paying for that every day.

What are the Legal Implications of Commuting in a Campervan?

A Yellow T25 Parked

Unless your insurance does not cover you for commuting in your campervan, there are no other legal implications for commuting in a campervan.

How Do I Know Whether I Can Commute in my Campervan?

Your insurance certificate should state the legitimate usage you are covered for. For example, a social, domestic and pleasure insurance certificate will only cover you for driving to anything that isn’t work.

Most insurance companies and policies also have exceptions. Racing your campervan on a racetrack isn’t covered by standard insurance policies, for example.

To be able to commute in your campervan, you’ll need a Social, Domestic, Pleasure and Commuting Insurance policy. Commuting isn’t offered as standard, as the risk of being on the road at peak times and being in a collision are higher than any other time.

Benefits of Commuting with your Campervan

While it may seem like there are some practical elements to overcome, there are many benefits to using your campervan as your primary vehicle.

1. The Joy of It

Many people state that the reason they use their campervan as their primary vehicle is simply because they enjoy the experience. When you’ve put so much time and love into your campervan, only being able to use it intermittently can feel like wasted time. Hence why a huge benefit for many people is simply the joy of it.

2. Saved Space on Driveways

If you’ve got a car and a campervan, the space on your drive will be sacrificed, especially if you’re working on your campervan. By using your campervan as your primary vehicle, you can save a lot of space on your drive. It’s a small benefit but if you have young children, it’s additional valuable space for learning to ride bikes, drawing and general time outdoors.

3. Extra Space for School Runs

If you’re doing the school run, every additional bit of space that can be used for school bags, ingredients for cooking with, PE bags and so much more is valuable. If you don’t have to do the school run, this extra space could be used for work equipment, instruments or whatever you like, even if it is your mountain bike!

Negatives to Using Your Campervan for Commuting

As with the practical limitations, there are some downsides for those who want to commute in a campervan.

1. The Fuel Cost

Campervans only really have good MPG over long distances. For daily drives, even the new T6 hits 32 MPG. The additional fuel cost will be an impact to consider, although it does depend on what your MPG was on your car or previous commuting vehicle.

2. Car Parks with Height Restrictions

If your workplace car park has height restrictions, then you will have to either find alternative parking, or park a distance away and walk in. This does depend on what the height restriction is, but this can pose problems, especially for those with Sprinter esq campervans.

3. Navigating Urban Streets

Unlike city cars that are small and nimble, campervans do take up more road room, and aren’t as easy to manoeuvre on parked up streets, or on tight bends. For those who work in city centres or heavy residential areas, this can pose a problem if you commute at peak times, and potentially cause damage to your campervan. However, it is dependent on where your workplace is.

Looking for a Campervan Insurance Policy that Covers Daily Drivers and Commuting?

At Just Kampers Insurance, in 99% of cases, we can adjust your policy to cover you for commuting. Just speak to one of our experts who will be able to help you. Get in touch today.

When is a campervan not a campervan?

When is a campervan not a campervan?

It’s a classic dad joke – when’s a door not a door? When it’s ajar!
But when is a campervan not a campervan? When it comes to insuring your camper, it’s a pretty important distinction.

In vehicle insurance terms, there’s a difference between a campervan and a self-built camper. If your insurance policy has your vehicle listed as a camper, but it’s technically a self-build, you could find that your policy is invalid if you ever need to make a claim on it.

A picture of a self-built campervan interior

So, what is the difference between a campervan and a self-built camper?

Simply put, if your vehicle left the factory with a bed, cooker and cupboards, then it’s a camper. It may have left with other components, too, but it needs all three of those to be classified as a camper. This counts for both classic campers and modern campers, with conversions like the Westfalia or California being covered under this policy.

If you’ve made any alterations to the vehicle, then it’s a self-built camper. Modifications to either a factory-built camper or a panel van which you’ve converted into a campervan will both fall under this category.

Like with campervans, self-built campers need to have a bed, cooker and cupboards to count, but can also have any number of other modifications.

If you’ve added side windows, a rock’n’roll bed, a pop-up roof or a sink to your campervan, it now counts as a self-built camper, because of these changes, and you’ll need to inform your insurers to make sure they’re aware of this and that your vehicle is correctly covered.

I just bought the van, how do I tell the difference?

The easiest way to tell whether your new camper counts as self-built or not is to check the logbook. If it’s listed in there as a camper, then check whether it’s got any features or modifications which aren’t listed there. If your camper isn’t originally listed as a campervan in the log book, it will count as a self-built camper.

Another example of a self-built camper interior

Do you cover both?

Of course! We’re the UK’s leading campervan insurance specialist and VW expert, and we’re more than happy to give you a really competitive insurance quote for your camper, whether it left the factory as one or whether you’ve put the time and effort into building one yourself.

In fact, if we aren’t able to give you the cheapest like-for-like quote on your camper, we’ll send you a £50 JK gift voucher, so it’s a win-win – you either get really cheap insurance from Just Kampers Insurance, or you get money to spend at Just Kampers on parts and accessories for your campervan!

You can check out the details on the insurance policies we offer for Classic Campervans, Modern Campervans and Self-Built Campers using the links provided.

An example of a self-built camper interior
A nice example of a classic VW T2 Split interior

What other modifications do you cover?

We’re happy to include all sorts of different modifications in your Just Kampers Insurance policy, including modified vehicles like converted campervans, modified cars, day vans with modifications and self-built motorhomes.

We’ll also cover specific mods like body kits, fibre glass panels, rear spoilers, suspension changes, custom paintwork, flared wheel arches, nitrous oxide kits, turbocharging, non-standard alloys or engine replacements.

You can find out more about our modification cover policies here.

Get in touch now for a quick quote, and speak with our team about the mods on your vehicle to make sure you’re properly covered.

VW Campers in a field

For more information about tailoring insurance policies to your campervan or motorhome, whether you’re after affordable premiums, or something with that little bit more protection, consider coverage from the experts at Just Kampers Insurance.

Cheap Campervans at a Campsite

What Are the Cheapest Campervans in the UK (The 7 Most Affordable Models in 2022)?

What Are the Cheapest Campervans in the UK (The 7 Most Affordable Models in 2022)?

Jump to:

  1. Mazda Bongo / Ford Freda
  2. Ford Transit Conversion
  3. VW T4
  4. Mitsubishi Delica
  5. VW T25/3
  6. Vauxhall Vivaro Conversion
  7. Fiat Ducato

For the past 50 years, the campervan has been a great escape for many as they took to the open road, whether adventuring along Cornwall’s many scenic coastal routes, or driving over the open moors of Yorkshire.

But for prospective buyers on a tight budget, buying a campervan affordably nowadays is not always easy unless you know where to look.

With so many models on the market, our experts have tested, driven and insured some of the most renowned and recognisable campervans out there, including nostalgic VWs to modern van conversions. If you’re wondering about the cheapest campervans in 2022, we’ve reviewed the most affordable models you should consider buying.

What makes a campervan affordable?

It’s not always the case that campervans can’t be budget-friendly, in fact, you can sometimes get certain models that need a bit of love for under £5000.

When considering what typical ly makes a campervan “affordable”, buyers will need to think about models and makes, the regular running costs, insurance charges, part sourcing and much more.

Factors that make a campervan affordable

The 7 Most Affordable Campervans on the Market in 2021

  1. Mazda Bongo / Ford Freda

Pay no more than: £17,000
Aim to pay between: £6,000 and £15,000
Engine size: 2.0 or 2.5
Manufactured between 1995 and 2006

An image of a Mazda Bongo courtesy of courtesy of kokoro_the_bongo-instagram

The Mazda Bongo, also manufactured as the Ford Freda, was made in Japan in the late 90’s/ early 2000’s and is reminiscent of vehicles of that time. It looks a bit bulky overall, but the grill is something you can easily fall in love with.

While many Bongos have been extended, with pop tops or extended sleeping space, it’s best to check if your campervan is stock, or whether it has been customised over time. Bongo’s either come with 4 or 5 seatbelts, but five is much more common.

Why should you buy a Bongo?

The Bongo is quite a roomy campervan, giving you more space than it may appear. As they run on Japanese engines, they are reliable and aren’t known to breakdown. They come with more features, such as electric elevating roofs and other driver assistance features that many other models didn’t at the time.

The Bongo is also a pleasure to drive, according to owners. As they have both 2WD and 4WD options, as well as automatic gearboxes, the Bongo is a simple campervan to drive and use (and its size is perfect for UK roads).

The downsides to a Bongo

There are two downsides to a Mazda Bongo: improper conversion for imports and poor fuel economy.

As Mazda Bongo’s were manufactured in Japan and then imported to the UK, unscrupulous importers may not have carried out the correct conversion measures to ensure a Bongo was road legal. Get a trusted engineer to check that all of these are correct before purchasing one.

The second issue is poor fuel economy, with the Bongo only hitting an average of under 30mpg across any speeds.

 

Here’s some of our favourite Bongo’s we’ve seen on social media:

A Mazda Bongo - image courtesy of Pintrest
An image of a Mazda Bongo courtesy of kokoro_the_bongo-instagram
Camping in a Mazda Bongo image courtesy of maurice_the_bongo Instagram

2.  Ford Transit Conversion

Pay no more than: £25,000 for a good conversion
Aim to pay between: £6,000 and £20,000, depending on conversion/model
Engine size: 2.0-2.5
Manufactured: 1965 onwards

Ford Transit Campervan at a Campsite

For years, Ford Transits have been manufactured as work vans, but it’s perhaps only recently that many have converted old Ford Transits into modern campervan conversions. They’ve got the perfect base for it, being quite square with plenty of headroom for even the tallest users.

Most people take the original panel van and convert it into their dream campervan. Historically, the Ford Transit chassis has been taken and converted into campervans, such as the Buccaneer Clipper and others.

Why should you buy a Ford Transit?

As Ford’s are incredibly popular, and use common parts, replacing things, especially engine and body parts, is often easier than older models. Most drivers describe it as a ‘what it does on the tin’ van, and one that is easy to drive and just as simple to use. However, they are incredibly popular, and you can barely go for a drive without seeing one.

Converting a Ford Transit is also very popular, and there’s many online forums discussing the easy hacks learnt.

The downsides to a Ford Transit

While Ford’s are a popular van, there are many downsides. Honest John, a popular motoring forum, reports the van as having flimsy interior plastics, and AA driver reviews report the van as being incredibly uncomfortable to drive in older models, as well as reacting poorly to wet, icy or snowy weather.

 

Here’s some of our favourite Transit’s we’ve seen on social media:

An image of a Ford Transit, courtesy of Jennifer-M-Springman-tipsymangodreams-•-Instagram
An image of a Ford Transit van, courtesy of Simon-standerwick-on-Instagram-Life-is-better-in-a-van - instagram
An image of a Ford Transit courtesy of CampingBuddies.de on Pintrest

3. VW T4

Pay no more than: £16,000
Aim to pay between: £5,000 and £15,000 depending on conversion/model
Engine size: 1.8-2.8
Manufactured between 1990-2003

A VW T4 Transporter

As avid Volkswagen lovers, the T4 had to be on this list. It’s easily the most affordable van for upfront cost of all the VWs, and is practical, simple and does the job!

First manufactured in 1990, it was notably different from other Transporters, having a front engine, front wheel drive and all of its engines are water-cooled. Originally made not as a campervan, the T4 is now an incredibly popular vehicle to convert into one. It’s simple to do and can be done as a DIY project, or by a specialist company.

Why should you buy a T4?

It’s got a more robust body than older models, and looks like a typical VW, reminiscent of older Golf models or similar. For the nostalgia value, coupled with more modern and reliable engineering, the T4 is popular with owners for their versatility and are commonly self-converted. The 1.9 diesel engines are great on economy and remarkably strong for their age and mileage, the petrol engines can be thirsty, so do your due diligence on higher mileage ones.

The downsides to T4s?

The T4 is known to corrode in certain spots, largely across the base of the vehicle. Where a campervan has previously used as work vans, they’re often more prone to corrosion, as they will have been used for heavy duty work. If the bonnet has been chipped with stones, then there is also a chance of rust.

It’s also important to check that the dials on the dashboard are working correctly, as there is a voltage regulator that is known to fail, and the easy way to spot this is with unexpected dial workings.

There’s also known issues with the electric windows and central locking. While this doesn’t affect the ride quality and may not greatly impact your life, it can get annoying and cause more issues further down the line.

Here’s some of our favourite T4’s we’ve seen on social media

An image of a VW T4 Transporter courtesy of PUGWEB on Instagram
A picture of a VW T4 Transporter by the beach courtesy of 𝘷𝘢𝘯𝘭𝘪𝘧𝘦-𝘪𝘴-𝘯𝘰𝘵-𝘳𝘰𝘤𝘬𝘦𝘵𝘴𝘤𝘪𝘦𝘯𝘤𝘦-on-Instagram
A Red VW T4 Transporter courtesy of lady_red_bullion Instagram

4. Mitsubishi Delica

Pay no more than: £18,000
Aim to pay between: £15,000 and £17,000 depending on conversion/model
Engine size: 3.0
Manufactured: 1968 – present

A Mitsubishi Delica 2800

A favourite with JDM drivers who want a more practical vehicle, the Mitsubishi Delica is a fan favourite with a cult following. Head online and you’ll find forums of owners, whether imported or second hand.

The Delica is known for its adaptability and customisation. From off-road mods to more conservative campers, the mods made have kept the Delica rolling off the production line, something that has been happening since 1968. And, with the revival of 90s trends, a Delica has never been more popular, with purchasing prices heading upwards of 10,000 for a well maintained one.

You can get a Delica, either new from an import company, or second hand from previous UK owners. As they’ve never been manufactured or sold in the UK, you will purchase an imported one, but it’s whether you want to import your own, or buy from a previous UK owner.

Why should you buy a Delica?

First and foremost, they’re more spacious than you may expect. Unlike van conversions, the Delica is designed as a campervan, so it’s got space for living in, as well as a good driving position. It comes with up to seven seats, but with the ability for endless customisation, many have adjusted seat capacity over the years.

It’s also a pleasure to drive, thanks to its 4×4 capabilities, as well as many people choosing to upgrade it to have greater suspension or ground clearance.

The Delica Downsides

One well known quality about Delica’s is their fuel consumption. For shorter journeys, you’re looking at no more than 20mpg. Longer journeys, it can be up to 25mpg at a push. It’s petrol for pleasure, rather than performance, with the Delica’s.

As most vehicles on the second-hand market are older, from the late 90s or early 2000’s, you will need to replace parts, perhaps when you get it, or soon after.

Here’s some of our favourite Delica’s we’ve seen on social media

 

A Image of a Mitsubishi Delica from  japaneseclassics.com on Pintrest
A picture of a Mitsubishi Delica from leblogauto.com on Pintrest
A Mitsubishi Delica Camper image courtesy of lovecampers.co.uk on Pintrest

5. VW T25/3

Pay no more than: £21,000
Aim to pay between: £5,000 and £18,000 depending on conversion/model
Engine size: 1.8-2.8
Manufactured between 1979 – 2002

A VW T25 Joker Edition Campervan in Green

 

Moving on from the traditional styling of the T25/T3 (used interchangeably), was a van for the 80s. This campervan has a very unique look and is instantly recognisable anywhere one goes. While it didn’t have the original silhouette that many associate with the T2 Split or Bay, it still became a firm favourite with owners, and is still popular today thanks to the extra headroom it offers.

For many, the joy of a VW was the nostalgia value. While a T25 doesn’t have that original, heritage look, it’s got its own cheeky 80’s charm, and more importantly, it’s still practical today.

Earlier versions are air cooled, while more modern versions are water cooled. While German production ended in 1992, production in South Africa carried on for another decade, allowing for a thriving import market.

Why should you buy a T25?

It’s got the old school VW charm, but in an easier to maintain and roomier way. The high top and Caravelle models are ideal for those looking for a spacious campervan and give you more options for customisation. There’s also a well-supplied aftermarket parts supply system, with some original parts still available if you know where to look.

The downsides of a T25

There’s known gear stick issues, as the synchromesh can be worn easily in both the four and five speed units. As part of this, the long gear lever can be bent, but it’s easily fixed.
Another important point to check is that any conversion carried out has been done correctly. As conversions may have been carried out over the years, hastily fitted out VWs may now be falling apart, or not holding their original structural integrity.

 

Here’s some of our favourite T25’s we’ve seen on social media.

An image of a VW T25 Auto Sleeper from Hettie on Instagram
A VW T25 in the woods. Image courtesy of projectmaxus on Instagram
A slammed VW T25 image courtesy of Timmy Tiereliers on Pintrest

6. Vauxhall Vivaro Conversion

Pay no more than: £35,000 for new vehicles
Aim to pay between: £10,000 and £30,000 depending on conversion
Engine size: 1.6-2.6
Manufactured between 1990-2003

vinnievivaro-on-Instagram

The Vauxhall Vivaro is probably one of the smallest vans that you can convert into a campervan, as it’s more commonly used as work van. However, for those who don’t want to pay out for a Ford Nugget, the Vauxhall Vivaro may be a good option.

It’s easy to get hold of the Vauxhall Vivaro, thanks to its British heritage, and it’s a decent size for what you pay. For the same size, you could get an old school VW, but if you’re not fussy about heritage and want a modern drive with notably good driver convenience, then the Vivaro is probably a good bet for you.

Why should you buy a Vauxhall Vivaro?

Despite the size, you can get a full width bed in! This is a huge bonus in itself, and it’s a good-sized van without taking up excess space when parking, so you won’t have to pay for two parking bays in busier areas.

As Vauxhall is a very common brand in the UK, you’ll be able to get parts and repairs done pretty much everywhere, especially engine side. Another great thing about the Vivaro, is that it looks like a work van, so you can create a stealth conversion that won’t draw attention in car parks.

The downsides to a Vivaro?

The ride can be stiff with no furniture in, according to existing users. However, if you’ve got a loaded-up campervan, you should find that more comfortable. The other downside is that it isn’t that tall for those who want to spend time in their van long term, and you won’t be able to stand to full height.

Here’s some of our favourite Vivaro’s we’ve seen on social media.

An image of a Vauxhall Vivaro camper at the beach. Image courtesy of vanwebsite.co.uk on Pintrest
An image of a Vauxhall Vivaro courtesy of traficclub on instagram
An image of a Vauxhall Vivaro in the snow courtesy of frankieroe on instagram

7. Fiat Ducato

Pay no more than: £45,000
Aim to pay between: £15,000 and £30,000 depending on conversion/model
Engine size: 2.0-3.0
Manufactured from: 1981

A Fiat Ducato

The Fiat Ducato is the same size as a Mercedes Sprinter, but without the same price tag. It’s a staple in the work world for good reason, as it’s a large van, that does the job without screaming about it, unlike some of its counterparts.

The Ducato commonly comes as a panel van or a chassis cab. The reason why it’s becoming more popular in the campervan world is because it can be easily converted with little hassle. The inside is the right height, and because it’s a common shape, parts and fit-outs can be done as a DIY job, or by a converter.

Why should you by a Ducato?

The Ducato does the job it needs to, and does it well, and this impressive testimony comes from owners who already have one.

It offers good fuel economy, especially on newer models, when compared to other vans. And because of its size and build, there’s a good payload for those who want to live in their van full time.

The downsides to a Ducato?

There’s limited storage around the driver’s area, so you are pretty much confined to what’s already existing with no room for drastic change, and depending on configuration, swivel seats. There’s also limited flexibility to amend the interior space, and not much imagination can be applied to layouts.

If you’re wanting a van that’s got looks and performance, a Ducato may not be for you, as it’s definitely function over fashion.

Here’s some of our favourite Ducato’s we’ve seen on social media

An image of a Fiat Ducato Camper courtesy of molly.thevan on instagram
An image of a Fiat Ducato courtesy of fiat.ducato.camper on instagram
An image of a Fiat Ducato courtesy of fiatducatoconversion on instagram

What else do I need to know before buying affordable campervans?

How affordable are VW campervans?

VW campervans are surprisingly affordable. If you’re not fussy about generation, you can get a VW campervan from upwards of about £5,000, although older models may need work.

A T25 or T4 is going to be your best bet for an affordable VW campervan, with both starting from £5,000.

How cheap are older model’s vs newer campervans?

Older models are considerably cheaper to buy than newer models. Models like the VW T25 or the Mitsubishi Delica work out much cheaper, but you do also run the risk of more expensive repairs and harder to source parts.
Models older than 40 years won’t need a formal MOT, but it’s worth regularly servicing them anyway.

Is it cheaper to buy a converted campervan?

No, it’s often not if it’s a self-build, as the amount of materials and the cost of those materials will quickly add it up to someone who isn’t buying wholesale or with trade discounts. A good conversion can cost upwards of £40,000 for historic models, and much more for new vans.

Which is the most affordable campervan?

Well, it depends. Affordability as we’ve looked at it only covers the initial purchase cost. While a T25 or T4 may be cheaper upfront, the cost of mechanical faults and repairs could quickly work up more of a cost than a brand-new Ford Transit or Fiat Ducato conversion, and without the manufacturer’s warranty.

Lifelong affordability, when considering things like specialist campervan insurance, petrol/diesel, MOTs (or the lack of for models over 40 years old), servicing, campervan parts availability, maintenance costs and so much more.

Just Kampers Insurance can help with the affordability of your campervan insurance. With our experience providing insurance for over 20 years, we can insure your campervan, whether self-build, classic, modern, or something else. Get an online quote today.

An image of a VW T4 Campervan with a blue and white camping mug

How Much Is a Campervan to Insure?

How Much Is a Campervan to Insure?

So, you’ve bought a campervan, or you’re considering buying one. You’re researching and want to know how much a campervan could cost you to insure.

Well, here you go:

The average cost to insure a campervan in the UK is £377, according to Just Kampers Insurance (as of February 2022). Different factors such as the age, size, and mileage, as well as any customisations, will affect the overall price of a policy. This average doesn’t include optional add-ons such as breakdown cover, key cover and more.

Why is Campervan Insurance Different?

Campervan insurance doesn’t just cover you for your driving, it also covers things that you may get in a home insurance policy such as greater contents cover and personal effects.

Campervan insurance is designed specifically for a campervan, which makes it better suited for this type of vehicle, and ensures you’ll be properly reimbursed in the case of a collision.

A VW Split Screen Campervan on a single track road

What Factors Affect Campervan Insurance?

From the size of your campervan to where you store it when you’re not using it, a huge variety of factors can affect the cost of campervan insurance.

The Value of Your Campervan

For those who’ve got a new campervan or are looking to insure their beloved classic, the value of your campervan will greatly affect the cost of your insurance, especially for rare, classic or imported models.

When you look to renew or insure for the first time, you’ll be asked the current retail value of your campervan. Some insurers will use a lookup such as AutoTrader or a similar system to look at the approximate market value of your campervan.

However, for those who want to ensure that the value of their campervan is protected in the case of an accident or similar, investigating agreed value can help to appease any nerves about not getting the correct value of your campervan.

Why do insurers look at the value of a campervan?

The value of your campervan will affect how much an insurer would have to pay out in the case of a collision and total write off. The greater the value, the more your insurance will cost.

Age of your Campervan

The age of your campervan is another important factor that can affect the cost of your insurance. While a classic campervan would be expected to have a lower value, certain models and ages, especially when it comes to campervans, gain more value over time and therefore insurance will reflect the increased value.

The Make and Model of Your Campervan

Whether you’re a VW purist or much prefer your converted panel van, the make and model of your campervan, when combined with other factors listed here, can affect the price of insurance. For example, a 30-year-old Ford Transit with very little resale value will cost less to insure than a classic 30-year-old VW campervan that is considered rare on the market.

The make and model of your campervan can also affect insurance costs if it’s one that is harder to source parts or panels for. A Japanese import Mazda Bongo, for example, may cost more than a VW T4 of the same age, as parts would have to be sourced from overseas markets rather than being readily available in the UK.

Aftermarket Work (Such as Conversions)

If you’ve done any kind of modification on your campervan, this can increase the cost of your insurance. Whether it’s increasing the tyre size from the factory standard to even changing the paint colour, any modification or aftermarket work, aside from replacing parts as like-for-like as possible, can incur extra costs.

Why do insurers look at any aftermarket work on a campervan?

As well as knowing what the difference from any factory specifications is, the cost of some aftermarket work can increase the value and cost of sourcing replacement parts.

Drivers and Use Type

Policy costs will also be determined by the age of each driver applying, their claims history, and any No-Claims Discounts. Young drivers, especially those under 25, will often see a premium increase, and those driving in high-risk areas, or at peak times, will also typically see higher costs on premiums.

This applies across all insurance policy types, regardless of vehicle type. Your perceived risk level does not change, and insurance policies are essentially risk assessments.

Storage Location

Whether you park your campervan in a specific campervan storage park, in a secured garage at your home, or on the street nearby, these factors all contribute to your overall insurance cost.

When requesting an insurance quote, you’ll be asked about your storage location, and potentially also about your winter storage if you don’t drive year-round. For those with classic campervans, winter is often a time to work on your pride and joy, so you may want to specify this at the point of requesting a quote.

A VW T2 Bay Window parked outside a shop

Why do insurers look at the storage location of a campervan?

Depending on where you store a campervan will affect the risk. For example, parked on a street will increase the risk of damage, but could lower the risk of theft. Or a car parked in a shared garage will be very secure, but may be more likely for the occasional scrape.

Campervan Size

For VW campers, size isn’t as much of a factor as they are all considered to be a smaller campervan. But for those with large American-style RVs, the size of your campervan (classified as a motorhome) will affect the costs of your premiums.

You’re at greater risk from scrapes, there’s more space to hold valuable contents, and less interior space to need to carry out repairs in. However, for most campervans found on UK roads, you’ll find little difference in the cost.

What About Insurance Optional Benefits?

When you go to take out a policy of any kind, there’s always optional benefits on offer. Whether you want breakdown included in your insurance policy, or want to add key cover, each optional benefit will cost more, but can add peace of mind.

Some optional benefits might not apply to you. Some camper owners, especially those with classic or highly modified campervans, will want agreed value – this is where the pay out after an accident is to the sum of a value agreed upon prior to a policy being taken out.

Agreed value

Agreed value is only really for those with highly modified campervans or classic campervans. As the estimated insurance value is often lower than the market resale value of modified cars and campervans, an agreed value policy will take into account photos, invoices of work done or a valuation from an independent expert to come to a fixed value of the camper, should it be sold.

This value is then used for a sum assured or amount payable in the event of a partial or total write off.

Estimated additional cost:  Agreed Value – From £40

Contents cover

Much like home insurance, contents cover for campervans ensures that any belongings, including fixed items such as cookers and tables, are covered in case of theft, loss or fire.

Just Kampers Insurance insure up to a value of £2000, for a variety of contents depending on policy selection.

Estimated additional cost: ​Contents Cover – £26

A Campervan under the nights sky

Breakdown cover:

For those with older VW’s, you’ll know the trials of having a campervan that regularly breaks down, and the stress it can bring, especially if you’re on holiday in all far-flung corners of the UK.

While there’s no legal requirement to have breakdown cover, it’s one of the best things that any campervan or car driver can take out, as it will protect you in case of the worst.

The cost as an addition to your policy shouldn’t be too much more, and can often be cheaper than buying separately, such as with the RAC or AA. Similarly, EU cover for campervans can often be extortionate when going separately. This is due to the distance driven to come and provide assistance.

Take a look below.

Data correct as of March 2022

Entry-level cover from Just Kampers Insurance Average RAC Cost (Entry Level)
Cars Starting from £25.50 Starting from £95.00
Vans Starting from £42.00 Starting from £125.00
Campervans Starting from £149.99 Starting from £149.99
UK and European Roadside Assistance and Home-Start cover from JKI RAC Equivalent Policy
Cars Starting from £42.00 Starting from £195, plus an additional cost depending on European Country
Vans Starting from £47.00 Starting from £217 (business use)
Campervans Starting from £90.00 Starting from £245.99

Windscreen cover

A cracked or chipped windscreen can lead to a failed MOT if it obstructs the driver’s eyeline or is greater than the size of a pound coin. Getting any chips repaired or windscreens replaced quickly is essential to ensure the safety and legality of your windscreen.

Windscreen cover is often one of the cheaper additions, but can be one of the best to add, as costs without insurance can skyrocket.

For example, a single chip repair from Autoglass costs £198.71 inc. VAT (as of March 2022) but an annual windscreen policy from Just Kampers Insurance costs £13.99.

Misfuelling assistance

If you accidentally misfuel your car or campervan, you’ll be stuck on the forecourt or nearby, and long-term engine damage can occur if not treated quickly.

Misfuelling assistance add-ons will include removing contaminated fuel and flushing the engine through, whether roadside or at a specialist garage. Some policies will also include a set amount to refuel.

The additional cost on your insurance is often minimal, but without this level of cover, your costs can be reaching into the tens of thousands to repair the engine damage.

Excess Protection

Excess protection means that in the case of no responsible third party, your insurer will pay back the cost of the excess listed on your policy. Excess protection can make claiming for issues less of a concern.

Estimated additional cost: Excess Protect – From £34.99

Spare Parts Cover

If you have parts stocked up in case of breakdown or are about to do some renovations on your campervan, then the loss of these parts can prove expensive, especially for classic or modified vehicles.

Adding spare parts cover to an insurance policy means that in the case of loss or damage, you can claim back some of the costs. Cover often only applies when any parts are kept inside your locked garage or, at the time of the loss, were temporarily housed inside a locked motor vehicle but not attached or fitted to the motor vehicle.

Estimated additional cost: £12.99

Replacement Car Cover

If you’re in the process of making a claim, whether your car has been stolen, left un-recovered, written off or otherwise undriveable after an accident, then having a replacement car add-on can reduce the stress post-accident.

Some insurers, often on their premium policies, will roll this into your annual cost, but others will make this an add-on.

Estimated additional cost: From £29.99

Key Cover

If you’re prone to losing keys or have lost them before and know how hard it can be to find the spares, then key cover is often a preferred add-on.

Key cover will often cover all keys attached to a fob, and some insurers will also provide recovery in the instance of loss leading to not being able to get home.

Discover How Much Just Kampers Insurance Can Insure You For

Here at Just Kampers Insurance, we’ve been providing campervan and classic car insurance for over 20 years. And, we don’t just insure campervans, we can cover all kinds of vehicles, from self-build campers to motor trade insurance.

Just Kampers Insurance - Get An Online Quote Now

Get an online quote in minutes or call us
Monday to Friday from 09:00 – 19:00
Saturday from 09:00 – 14:00
Sunday from 10:00 – 14:00
or Arrange a call back.

CALL US ON 01256 444546

ARRANGE A CALL BACK

The 7 Best Places to Take Your Campervan in the UK

Whether rugged coastline, rolling hills, peaks and lakes or sprawling farmland, a campervan allows you to unlock and explore some of the most remote places in the UK and experience the best the county has to offer.

As we head into camping season (where mid-season, typically, starts from the Early May Bank Holiday), you may be tempted to get out and explore the sites and scenes of the UK. Whether you’re new to campervanning or you’re something of an expert when it comes to the open road and its adventures, there’s always new places in the UK to explore and memorable ones to revisit.

Here at Just Kampers Insurance, we’re avid campervanners (and campers!), and we have rounded up some of the places and routes we’ve visited over the years, as well as ones we’ve got on our list to visit.

 

The Seven Best Places to Visit in Your Campervan

1.   The Isle of Harris, Outer Hebrides, Scotland

We begin our recommendations with one of the most far-reaching, remote places in the UK. The Isle of Harris is one of the islands that makes up the Outer Hebrides and is reachable by the Ulg-Tarbert ferry.

The Isle of Harris is known for its sandy beaches, which are reminiscent of the Caribbean on a good day, and for the rugged mountains that offer sweeping views over the stunning islands. Rich in history and tradition, and known for its strong, self-sufficient communities, exploring the Isle of Harris at any point of the year promises sunsets, uninterrupted views of unending landscape and a sense of serenity like no other.

Where Should I Stay?

Horgabost Campsite may be a basic campsite (which means it offers no electric hook-up), but it’s situated right on the beach with level pitches. Facilities include drinking water, showers, toilets, and a washing up area on-site. The campsite even has convenient access to a stunning beach that spans the curve of the bay.

The Hebrides consists mostly of single-track roads, so if you plan on traveling with a larger campervan, you tow a caravan, or you are a nervous driver, this may not be the right spot for you. However, for those with a sense of adventure and a desire for a slower-paced, scenic escape to remote UK, this is the place for you.

What Is There to Do?

First and foremost, we recommend that you simply explore the rugged landscape that’s just outside the door of your camper.

But for those wanting something more to do, there’s plenty on offer. Renowned for its food and drink, the Isle of Harris has a very popular gin distillery, a wide array of shops that provide local produce and fine dining. There are also opportunities for rare bird watching, sea cruises, water sports and other adrenaline-fuelled activities.

Who Should Go?  

While small children may enjoy the Isle of Harris, if you live outside of Scotland, the drive may be too long for rewards of its open, rugged landscape. However, for older families, couples and those with a sense of adventure and a willingness to travel, the Isle of Harris is an ideal place to explore in the UK.  

What Campervan Will I Need?  

The Isle of Harris is mainly single-track roads, especially if you want to explore freely. So, the smaller the campervan, the more easily you’ll be able to get around. Just be cautious that garages are few and far between, so it pays to have a working mechanical knowledge.

2. The Wye Valley, On the England/ Wales border

Nestled on the border of England and Wales, the Wye Valley offers unparalleled views over sloping valleys and deep woodland.

Running from the edge of the Severn River, where the River Wye joins it, the Wye Valley snakes its ways along the border, covering historic villages and the Area of Outstanding Natural Beauty (AONB) ending near Hereford. If you’re planning on visiting the Wye Valley, there’s plenty of beautiful landscape to explore.

Where Should I Stay?

If you can, stay at Beeches Farm Campsite, which is situated near Tintern. The site offers electric hook-up, showers and toilet facilities, a free on-site fridge and freezer, and charging lockers for phones and tablets.

With convenient access to Offa’s Dyke and the Devil’s Pulpit, which can be reached via a footpath running along the edge of the site, you can unlock spectacular walks (without needing to park up). Beeches Farm is a rustic postcard; most pitches even include a fire pit, where you can cosy up warm at night to take in some of the best views of the Wye Valley.

What Is There to Do?

 

Explore Tintern and its historic Abbey, either from the ground or from the famed Devil’s Pulpit or take a drive to Chepstow for the castle. Public footpaths stretch for miles, including views that are as rich as the historic architecture found across its landscape. With an array of quant villages and hamlets that feature traditional Welsh buildings, there’s plenty of exploring and sightseeing to do.

 

Who Should Go?  

The Wye Valley is perfect for the whole family; this means, where it’s rich with nature trails and more, there’s plenty to do for younger people. But for those who desire a peaceful, quiet escape from tourist hotspots, campsites are known to get busy in the summer.

What Campervan Will I Need?  

The Wye Valley, if you’re not venturing too far off known routes, can handle all makes of campervan. However, a campervan with good handling will be more convenient when it comes to navigating the narrow roads that lead into the valley, especially in hilly areas.

3.   The Chiltern Hills, England

Covering 324sq miles just outside of the M25 and spanning four counties, the Chiltern Hills are known for their traditional rolling green hills, hiking trails, and cycling routes, as well as quintessential farming and communities built on agriculture.

For those wanting what could only be described as the “picture perfect” English landscape, the Chiltern Hills offer this in abundance. From market towns, to cycleways, bluebell woods, mills and local producers, there is something for everyone.

Where Should I Stay?

Orchard View Farm is a rare breed’s farm situated near Princes Risborough. Whilst there’s no electric hook-up, there is an on-site café and shop, including a butcher, offering fresh farm produce and hot meals.

There are seven grass touring pitches, which have a grid surface above the grass for easy manoeuvring. You can also partake in the bushcraft course offered on-site; and, if you’re a fan of detective drama series ‘Midsomer Murders’, location spotting is aplenty in the surrounding areas.

What Is There to Do?

Explore the infamous Hell Fire Caves in West Wycombe or head to Bletchley Park to learn about the history of modern-day computing. Visit the old town of Aylesbury to explore the pokey side streets.

There’s walking and cycling on offer as well, and in springtime, an abundance of bluebell woods to see. You can scale hilly landscapes, or wander in their shadows, never too far from a traditional farming village.

 

Who Should Go?

The Chiltern Hills is suitable for the whole family, from the very young to those who are interested in history, fresh produce, and the outdoors. It’s a great destination to visit in the UK because the walks are memorable and accessible.

What Campervan Will I Need?

You can pretty much take any campervan here and it’s an ideal spot to test your driving too!

4.   Norfolk Coast, Norfolk, England

Home of the famed Norfolk Broads, the lesser known but still as stunning area of the Norfolk Coast offers quieter holidays and a chance to explore an Area of Outstanding Natural Beauty. Home of the Sandringham Estate and numerous RSPB (Royal Society for the Protection of Birds) areas of protection, the wetlands and beaches offer a variety of landscapes to explore.

Compared to other areas in the UK, the Norfolk Coast is flatter terrain, and is a great area for those wanting to get to grips with campervan driving while still enjoying the beauty of the UK.

Where Should I Stay?

Bircham Windmill and Campsite offers a unique experience, with a restored windmill on-site that you can visit for a discounted price if you’re a guest. As well as getting to stay in the shadow of a five-storey windmill, you can also visit the on-site bakery at any time and take part in a make-and-bake experience.

Bircham campsite is conveniently situated centrally to either side of the Norfolk coast and is a short drive to most of the coastal areas.

What Is There to Do?

Explore the royal Sandringham estate for something a little different, or head to one of the RSPB reserves for some wetland bird spotting. If you’re lucky, you may also get to see the local seals that frequent the beaches. There are also two very rare chalk rivers to sightsee, which is ideal if you enjoy exploring unusual areas far from the beaten path or like places of geo and biodiversity.

 

Who Should Go?

The Norfolk coastline is ideal for those with different accessibility needs or those who use a wheelchair. The coastline is flatter terrain and so there’s plenty to do that doesn’t require extraneous walking.

What Campervan Will I Need?

Like the Chiltern Hills, the Norfolk coast is another perfect one to test your campervan driving out and explore a flatter area, where the landscape is full of excitement and promises.

5. Kielder Water and Forest Park, Northumberland, England

Kielder Water and Forest Park is known as the best ‘dark skies’ spot in the UK, with minimal light pollution and the opportunity to see stars year-round (permitting the conditions are right). Kielder itself is the most remote village in England, so for those looking for that off-grid experience, you’ll be escaping the trappings of tourist destinations.

Kielder Forest and Water park has a human-made lake, a wide range of art and architecture situated amongst the lakes and forests, and there’s plenty more to explore under its deep night skies.

For many though, the main attraction appears after dark. Visit the observatory to see the night sky, or simply watch from the comfort of your campervan. Kielder is a designated ‘Dark Sky’ spot, and at nearly 580sq miles, the Gold Tier area known as Northumberland International Dark Sky Park, is the largest area of Dark Sky in Europe, the first of its kind in England and one of the biggest in the world.

Where Should I Stay?

Kielder Campsite is the closest to the national park. Whilst it has no mobile signal, there’s hardstanding pitches and electric hook-ups aplenty.

You’ll need to be a good navigator to access this site, as satnavs (as per the site owners) don’t often work near the site. There are signposts, and the site offers clear directions on how to get there, although they do advise leaving more time for your journey.

With a network of walking routes and trails that span across the site, which link to the national park, you’ll never be too far from an adventure.

What Is There to Do?

The best thing to do in Kielder is to wait for nightfall and watch the stars overhead. Owed to its remote location, you’ll have to rely on paper maps and walking routes for navigation, so it’s perfect for that quiet, laid back holiday for those who want to do nothing more than explore the local national park.

 

Who Should Go?

Kielder is a place of peace and quiet, which means it’s less ideal as a distraction for animated children than it is an escape for those looking to adventure off the grid. As Kielder is best at night, we recommend going if you’re comfort with late nights, so you can see the stars and landscape at its best.

What Campervan Will I Need?

Take a campervan that works off-grid (which means bringing along the right equipment)! There’s not much internet and access to navigation systems, so be prepared to travel with a map. If your campervan is quite high-tech and you’re reliant on that, you might find it less enjoyable.

6.   The Gower Peninsula, Swansea, Wales

Home to some of the best beaches in the UK, the Gower Peninsula spans the area behind Swansea. It’s a designated AONB, and contains rugged coastline, sandy beaches, and inland mountains to climb.

Whether you’re a wildlife enthusiast, photographer, an explorer by heart, or a keen walker, there’s something for the keen outdoorsy person on the Gower.

Where Should I Stay?

Hosting campers and tourers for 100 years, the Nicholaston Farm Caravan and Campsite is the place to stay on the Gower. With a dreamy breach front on your doorstop, and Cefn Bryn behind you, there’s a lot of opportunity to get out and explore.

With grass or hardstanding pitches available (both with electric on offer), the coast of the Gower can be reached from this campsite. Located near a main road, it’s suitable for experienced campervanners and newcomers.

What Is There to Do?

The Gower has the famous Worm’s Head, which can be accessed during low tide in summer. Viewing it from the famous Rhossili Bay, which Doctor Who fans will instantly recognise, the Worm’s Head provides a stunning sunset that gives it its unusual name.

There are sea adventures awaiting, historic forts to explore and a coastal path that’s ideal for a gentle, sundown saunter.

 

Who Should Go?

Avid explorer, families, and groups wanting to explore will find something waiting for them. The Gower has something for everyone.

What Campervan Will I Need?

Some of the coastal roads can be narrower depending on your route, making it tight for larger vehicles. But, if you’re comfortable with walking and adventure, you can travel however you like.

7.   Chipping Norton, Oxfordshire, England

Situated in the Cotswolds, Chipping Norton is the highest village by elevation in the Cotswolds and a thriving market town. Unlike other towns and villages in the Cotswolds, where tourism has overshadowed their way of life, Chipping Norton (affectionately referred to as ‘Chippy’) is a thriving local authentic Cotswold town.

For those who want a village break, rooted in history and a chance to village hop some of the most idyllic British villages, Chipping Norton is a fantastic place to situate yourself. With smaller villages and hamlets dotted around within easy driving distance, there’s plenty to see and do for families, explorers, or those wanting a laid-back trip.

Chipping Norton and the surrounding areas are famously home to celebrities, from Jeremy Clarkson to David Cameron, and the luxurious Soho Farmhouse is not too far away

Where Should I Stay?

There’s a Camping and Caravanning Club Campsite in Chippy, right next to Diddly Squat Farm Shop (Jeremy Clarkson’s famed farm), so there can be a lot of road traffic in high season.

However, if you want a quieter trip, then head to nearby Shipston-on-Stour for Cotswolds Camping at Holycombe, which allows small campervans and tents who don’t require electric hook-up.

What Is There to Do?

From exploring local farmland, to village hopping around the Cotswolds, there’s plenty to see and do. Head to Blenheim Palace for a chance to see local history or visit Heythrop Park in local Enstone and take a walk around the estate.

In May, local artists hold Oxfordshire Artweeks around the villages, and it’s a perfect way to village hop with a difference. You can also explore Oxford and its dreamy spires from Chippy with ease.

Who Should Go?

Car enthusiasts will enjoy the stay, but for those desiring an idyllic retreat to the UK countryside, Chippy is central to the Cotswolds and even within a reasonable distance to Oxford.

What Campervan Will I Need?

Chipping Norton is an area of heritage, so if you’ve got a classic VW, here’s an opportunity for you to snap a memorable photograph.

Where Will You Be Going in Your Campervan?

Campervans afford you the opportunity to explore the UK and further afield without needing to centre yourself in one spot or find a campsite every night. 

Get Campervan Insurance for Your Trip

Before you head off on your campervan trip, make sure your campervan insurance has the best coverage.

The team at Just Kampers Insurance are campervan specialists and can insure you, from self-builds to heritage vehicles. Get a quote today.

Should I SORN my Campervan or Motorhome?

If your campervan or motorhome is laid up for months at a time, such as over the winter, it may be time to consider applying for Statutory Off-Road Notification, commonly known as SORN. Even though this will be a cost-effective option for many campervan owners, there are still implications that should be considered before taking this route.

Registering for SORN is common in the UK, where in March 2020 there were 526,747 declarations alone. Given how common this process is, we explain everything you need to know about registering and taking your campervan off the road (SORN). This includes MOT and insurance requirements, as well as where the vehicle must be kept during this period.

What Does SORN Mean?

For road users who may be unfamiliar with taking their vehicles off of roads, SORN stands for ‘Statutory Off-Road Notification’ and this process is handled by the DVLA (Driver and Vehicle Licensing Agency).

SORN describes when a vehicle owner notifies the government that they have taken their vehicle off public roads. During this time, you won’t have to tax your vehicle or pay for insurance.

When a vehicle is laid up (SORN), whether a campervan or motorhome, it will not be allowed on public roads and cannot be parked in the street. Before you can legally SORN a campervan, it will need to be laid up on a private driveway or garage.

How Do I SORN My Campervan?

Registering for a SORN is a straightforward process, handled via the DVLA. This can be achieved in one of three ways:

DVLA,

Swansea,

SA99 1AR

  • Contact the DVLA via 0300 123 4321

Before registering your campervan for a SORN, you will need to have to hand certain items of information about the vehicle.

✓ The 16-digit number from your V11 (which is a reminder about vehicle tax issued by the government)

✓ Your VC5 11-digit reference number for the vehicle (or your logbook)

Why Should I SORN My Campervan?

The main reason why people choose to SORN their vehicles is to save money on road tax. It also might make sense to SORN your camper if you know you won’t be using it for a significant period of time, such as during the winter or if you’re renovating it.

Commonly, camper owners decide to register their vehicle with a SORN for one of the following reasons:

if they don’t plan on driving over the winter

if the vehicle is in the garage for repairs or restorations

if the driver is recovering from an injury and can’t drive for several months

if they will be travelling abroad for a long period, without taking their campervan

if they have a temporary driving ban

if a change in financial circumstances means they cannot afford to keep their camper on the road permanently

Regardless of the reason, if you make the decision to SORN your camper, you need to be aware of the legal implications involve. This means drivers are legally prohibited from using public roads, even for parking.

Should I Lay-up My Camper During the Winter?

Driving a campervan or motorhome during winter does not appeal to everyone. And so, registering to SORN a campervan is a practical way to save money on tax when your vehicle is inactive.

For some, winter touring in a campervan can seem impractical or even risky without the right preparation, especially if your vehicle hasn’t been winterised. From challenging driving conditions to trying to keep one warm, you might decide that driving a camper in the winter is not right for you.

ID 1431482132

Where Can I Keep a Laid-Up Campervan?

By laying-up your campervan, you have declared to the DVLA that you will not be using it to drive on UK roads. As a result, your camper needs to be stored off the road.

Suitable places to keep a campervan or motorhome that has been laid-up, include:

  • in a garage
  • on a private drive
  • on private land
  • in a private parking location
  • in a private storage facility

Unfortunately, if the only place you can keep your campervan or motorhome is parked on a public road, then you cannot legally SORN it.

Does a SORN Campervan Need Insurance?

After arranging to SORN your campervan because you won’t be driving it, you legally do not need insurance for it.

However, if you cancel your campervan insurance, this does mean it will not be protected against any damage. While in storage, your camper could still be affected by:

  • theft
  • vandalism or accidental damage
  • fire
  • floods
  • weather damage

For this reason, many experts recommend keeping an insurance policy in place to protect your campervan, even when it’s off the road.

It’s also worth knowing that some camper and motorhome storage facilities will stipulate how vehicles need insurance cover to use their services. Be sure to check their terms and conditions if you do choose this option.

Do I Need to Arrange an MOT for a Laid-Up Camper?

An MOT remains valid while a vehicle is laid up; however, if it runs out while your camper is off the road, you will need to arrange an MOT before it can be taxed and driven again.

You are legally allowed to drive any SORN vehicle on UK roads if you are travelling to a pre-booked MOT appointment. If you are stopped by the police while driving, you will likely be asked to give the appointment details, so that the police can verify your MOT booking with the garage.

How to Cancel a SORN for a Campervan

A SORN will be automatically cancelled as soon as you arrange to tax your campervan or motorhome, or if you sell it and the registered keeper changes.

Whether or not you choose to SORN your campervan, it’s important to ensure it’s fully protected at all times with an insurance policy that works for you.

While it might be beneficial to save money on road tax by laying up your camper, cancelling insurance can end up costing you a lot more if damage occurs whilst it’s in storage.

Get Competitive Camper Insurance for the Full Year

Stay safe in the knowledge that you’re completely covered, with a competitive campervan insurance policy from Just Kampers Insurance. Our team are experts when it comes to arranging policies to suit individual needs. So whether you have a coveted classic camper or a modern campervan, get a quote today to see what we offer.

Should I Buy A Campervan?

Campervans; they’re a vehicle for unlocking travel, adventure and freedom, both literally and figuratively. Whether you’re a VW classic lover, a DIY’er looking for your next project, or a camper looking for a different way to explore, campervans are the answer.

The question of owning a campervan will have most people – and their families – split indecisively between whether now is the best time to buy a campervan, of if they should hold off for a few more years.

Existing campervan owners will love to tell you tales of nights spent across the country, or even the world, under the stars, sitting in their campervan with a firepit going outside and the cosiness of a hot beverage in their hands.

Campervan ownership isn’t all roses, there are some thorns every now and then. However, being a campervan owner unlocks a new way to explore the world, as well as a different way of life.

So, in this blog, we unpack the answer to the question: “Should you actually buy a campervan?”

Here’s why you’ll enjoy owning a campervan 

1. The ease of going on holiday 

Campervan ownership has its perks. One of the most enjoyable benefits will always be the ease of getting away and going on holiday without the need to plan, pack or book expensive hotels for the night.

Going away in a campervan simply requires either getting a pitch on a campsite, or using BritStops if your campervan is self-sufficient, or if you’re in Scotland, ready for wild camping! Most campsites, especially in low and mid-season (September until end of March), will often take bookings up until the night before, and some even allow for drive ups on the day.

Across the UK, there’s over 1,000 BritStops and nearly 8,000 campsites, so you’ll no doubt have one near you, or within a short drive.

2. Getting outdoors 

For those who want to surf, mountain climb, mountain bike or generally get more outdoors, a campervan can really unlock these opportunities. You don’t have to use a campervan to purely camp with, but you can use it a base for your adventures, whether that’s for the day or for a longer weekend.

Campervans have a lot more room than cars, and because you can adapt them to your needs, often with some minimal DIY, they can become a way for you to make adventures more feasible. Campers, unlike cars, are more practically built for adventuring.

Think about surfing for a day, and then mid surf, heading back to your campervan for some hot lunch and a nice cup of tea, before heading back out to catch some more waves. Or going hiking and being able to have a hot shower and clean all the mud off, before driving back home and relaxing.  

3. Taking your pets with you 

While some campsites don’t allow certain breeds of dog or animals at all, most will allow pets in all shapes and sizes.

Whether you’ve got a dog or a cat, a campervan allows you to take your pet with you without needing to find a way to keep them warm at night in a tent, which doesn’t always have the right space.

Check before you travel, ensuring that your destination or campsite allows pets, and whether there’s an additional fee per pet (we’ve never seen it higher than about £5 a night, but this will depend on where you stay).  

4. Holidays become more affordable 

Depending on where you go (and which season you travel in), you’ll often find that per night, campervanning is much more affordable than hotels, Airbnb’s or other accommodation.

Campsites often price based on:

  • Pitch (where you park) size
  • Whether the pitch is hardstanding (not grass based, often gravel or tarmac) or grass based
  • Whether you want hook-up (electricity) or not
  • The number of people coming with you, specifically how many adults and children you’re travelling with. The more people you have, the more expensive camping becomes, as pitches often have a maximum number of people.
  • Any animals you’ll be bringing
  • Whether you’ve got an awning, gazebo or pup tent (a tent used solely for sleeping in, often smaller than 1.5x2m)
  • The time of year (Low season is November to February, mid-season is March to May and September to October, while high season is May to August)
  • If you want to bring an additional car with you

The more of the list above you choose to add on, and the more people you bring with you, the more expensive it will be. And, if you go over a summer bank holiday weekend, or during school holidays, expect it to be more expensive and very busy.

Even with all these additional factors, four nights on a campsite in August is often around £200 for a family of 4, making it £300 cheaper than the entry level room at Butlins for the same time.

5. You can use it as a daily driver 

Campervans can be daily drivers, whether you’re using it for commuting or school runs. Many of the Just Kampers team use their campervans as daily drivers and our office car park regularly has a wide array of VW campervans.

Although you get a lower MPG than you might with a car, the pure joy of driving around in your campervan day-to-day makes it worth it. Similarly, you can also escape straight from work and into an adventure for the weekend.

Here’s why you may not enjoy campervanning 

Campervans are often portrayed online or on social media, thanks to the popular #vanlife movement, as a bit of a rose-tinted experience, where locations are always sunny and desirable like those found on a postcard.

In reality, owners have to empty a chemical toilet regularly, get creative about showering options, and have to fix their van if it fails mechanically.

When you are considering buying a campervan, there are still some downsides, and it isn’t always for everyone.  

1. Fuel costs 

Campervans are notorious for having low MPG. After all, they are relatively heavy vehicles powered by small engines, especially the older models.

An older VW campervan, if driven mainly on motorways, could get around 27 MPG, but newer ones, even those with diesel engines, are able to get no more than 36 MPG.

This does mean your running costs will be higher than having a car, especially if you drive in mainly urban areas.  

2. Winter storage and parking 

If you’re not planning to use your campervan in the winter, then you’ll need to store it when it’s out of use, which often means covering it to prevent excess rust, drying it, and removing the gas cannister.

While this is entirely possible if you’ve got a drive, garage or somewhere secure like a specific winter storage spot for campervans, if you don’t have the means to securely store your campervan in the winter, especially classic models, you can find common issues like rust affecting your camper.

And, leaving a campervan outside is also a security risk, as the parts and the vehicle can fetch high value in the resale market.

3. Risk of damage and/or theft 

Campervans have valuable parts in, from gas cannisters to precious metals in older campervan parts that can garner good aftermarket value. The other risk is that campervans are some of the lowest depreciating types of vehicles, so any stolen campervan can be sold for very good value.

These two combined means that you will need to be able to store your campervan securely, and may need to invest in some additional security measures for your campervan.  

4. The upfront cost 

While campervans will save you money over the years on holidays, the initial cost can be upwards of £50k if you want a new or top of the range rig. It can be cheaper for older or less popular models, but even so, you’re looking at around £10-£15k for a model that’s ready to drive.

If you’re unsure about buying a campervan, try renting one first for a week or two to see if the lifestyle and way of living would work for you for a holiday, a daily driver or an adventure vehicle.  

How to decide if a campervan is right for you 

Campervans are a burden of love some days when they break down. You might, for example, suddenly hear a strange noise, suggesting a mechanical fault. Then other days, you get home from work on a sunny Friday and have the freedom to pop away for the weekend without any need to worry about packing up the car.  

So, how do you decide if a campervan is right for you?  

Think about:

  • How often you would want to go away in the UK
  • The travel style you prefer, as campervans aren’t the same as a hotel
  • Whether you want to go abroad a lot without having to drive
  • If you are planning to have a large family (over 4) anytime soon
  • If you have pets you want to bring with you, as a large dog may struggle in a small campervan.
  • Whether you’ll replace your daily driver with a campervan
  • Your MPG. Campervans normally get no more than 35mpg on a good day, even with diesel

Once you’ve bought your campervan, get insurance 

Just Kampers Insurance are specialists in all kinds of campervan insurance, from self-build, classics and modern models. With over 30 years’ experience in the campervan markets, specialising in VW’s, we know how much joy a campervan can give you. Whether you’re a current owner buying a new vehicle, someone looking to buy and want to understand the cost of ownership, we’re here to help.

Whether you want a quote to help you decide whether to buy or are looking for a specific campervan policy, get in touch with us today by calling us on 01256 444546 or getting an online quote.  

The Complete Campervan Insurance Guide

What is a Campervan?

This may seem like a silly question to open with, but campervans require certain parts and appearances to classify as a campervan.

Classes of Campervan

In the UK, there are three classes of campervan, A, B and C.

  • Class A: The kings of motorhomes, these are your RVs and large, luxury campervans
  • Class B covers all campervans, including self or professional build and converted from a panel van.
  • Class C: Standard motorhomes that are seen across the UK every summer.
Tents with horses in a field (1)

DVLA (Re)Classification

The DVLA classes motorhomes and campervans as the same thing: motor caravans. Motor caravans are seen as the same thing by the DVLA, as they have the same features:

  • Windows into the living area
  • Separate door for access to the living accommodation
  • Awning bar on the vehicle
  • Seats and a bed inside the vehicle
  • Cooking access
  • Storage facilities

Mark from Just Kampers Insurance says :

 “A large amount of the vehicles we cover are self-build campers, and we’ll always find the right policy to suit you and your vehicle. We cover the vehicle for what you tell us it is, not what the DVLA has it down on the logbook as. For example, you may have a converted van that has a rear seat/double bed, cooker, sink and fridge, but decide you don’t want side windows for security, as you want to carry high value bikes inside. Or you may have a fully converted camper with pop-top, full kitchen etc, but the logbook still says ‘van’.”

How to Get Classification as a ‘Motor Caravan’

There’s three main points you need to cover to get classified as a motor caravan:

  • A body type in your V5C that’s on their list
  • You’ve made the required external changes to your campervan
  • You’ve made the required internal changes

Once you’ve made these, and can prove your conversion should be a campervan, you need to send photo evidence to the DVLA, who can then refuse or accept your conversion.

It’s important to remember that the classification on your V5C does not impact insurance. If you use your self-build or converted van as a campervan, then you will need to insure it as a campervan, not a van.

 

Is a Campervan a Good Investment (1)

Do I need to insure my self build van as a campervan?

Yes, you will need to insure your self-build van or converted van as a campervan. Insurers need to know about your usage of the van, rather than the outward appearance, unless it affects the performance of the van.

How do I insure my self build if my application is rejected?

To insure your self build campervan, if the DVLA has rejected your application, you’ll need to make sure you get specialist insurance. High street insurers are more likely to provide an inaccurate quote. So how do you best pick campervan insurance?

Choosing Campervan Insurance

When it comes to choosing campervan insurance, doing your research is incredibly important. You’ll need to look into:

  • Underwriters and customer experience
  • Policy benefits as standard and what extras are available
  • What you can use the campervan for and mileage limits
  • Agreed value of your camper, especially if it’s a classic or self-build
  • Security discounts, such as for additional trackers or alarms
  • European cover and breakdown policies
  • Contents insurance for your campervan
  • Gas and explosion cover
  • New for old policies, if you’ve bought your campervan from new
  • Transferring NCB (No Claims Bonus) from your car over

All these factors can be tailored, depending on how you use your campervan, and any modifications you may have made.

Things to Look Out for When Choosing Campervan Insurance

Customer service, reviews and underwriters

When using an insurance comparison tool, or researching potential insurers, it’s important to check existing customer experience and reviews. Defaqto often rates larger insurance companies and provides customers with an idea of what the company may be like. Sites like Trustpilot and Google also provide you with useful feedback.

With smaller independent brands, they often need underwriters to create their insurance policies, as they may not have the in-house ability to do some themselves. At Just Kampers Insurance, we use Herts Insurance Consultants to underwrite our polices, as we know they are of repute and feel they offer our customers good value.

Tents with horses in a field (1)

Policy Benefits: Standard and Extras

For campervans, there will be some policy benefits that you may not see on a car policy:

  • Contents cover
  • Personal effects cover
  • Spare parts cover

Aside from the above, the policy benefits are largely the same as a standard car policy. This doesn’t mean that a high street insurer is able to cover you, as while the benefits are the same, the nuances that campervans have, such as them being homes and cars at the same time, make high street insurers less willing to provide insurance.

Use and Mileage Limits

Many campervan policies won’t cover you for commuting purposes, simply social, domestic and pleasure. Therefore, if you are planning to commute in your campervan, it’s important you specify this to your insurer before you confirm your policy.

Mark Reynolds of Just Kampers says :

“Lots of insurers only cover campers for social and domestic use. So, if you drove it to work or to the station to commute, you’d find you’re not covered. At JK Insurance, in 99% of cases, we can tailor the policy to suit your unique circumstances, including using it for work.”

Similarly, with mileage limits, it’s important to read the small print before you agree to a policy. While you can negotiate limited mileage discounts on a policy if you’re only using it at weekends, for those who want to rack up the miles, it’s best to check this before you get a policy.

Tents with horses in a field (1)

Agreed-Value Cover

Agreed-value cover of a campervan is a favoured option for those with classics, especially for those with classics, rare models and self-builds. Agreed-value cover essentially means that you can agree a value of your campers’ true worth when the policy is set, and if the worst happens, your insurer will pay out based on your agreed value rather than another valuation.

Security of your Campervan

Some insurers will offer discounts for additional security measures, especially in regularly stolen makes such as Ford or Fiat. By adding in aftermarket additions, such as an alarm or wheel lock, you may be able to negotiate a cheaper policy.

Similarly, parking it in off-season in secured campervan storage rather than your driveway can reduce premiums as it provides more security against theft. It’s important to consider your regular parking situation when you insure your campervan.

Tents with horses in a field (1)

European Cover and Breakdown

While pre-Brexit, it was easier to simply drive in and out the EU, now the insurance side is slightly different. You’ll need a green card, issued by your insurer, to drive, and specialist EU breakdown cover. Where before you may have been able to use one policy to cover you in the EU, its important to check the limits of your policy in the EU, especially now the six-month post Brexit period has happened.

Contents Insurance for Campervans

Unlike a car, campervans have higher value contents, as they are like a home on wheels. Things such as TVs, gas bottles, microwaves, storage, any aftermarket additions, even accessories like awnings, all add value to your campervan contents.

Therefore, getting an appropriate amount of campervan contents insurance is key, and also valuing everything in your campervan is key. Provide your insurer with accurate information before you agree a policy, and you will get an accurate quote based on your information.

Gas and explosion cover

While this isn’t something that people might want to think about, considering the risk of any heaters, gas bottles etc, in your campervan before you get insurance will help. By accurately considering this risk, you can ensure that you are covered in case the worst, while unlikely, is considered in your insurance policy.

Tents with horses in a field (1)

New for old policies

New-for-old policies is only applicable if you bought the campervan from new. It means that the insurer will replace your campervan with the most recent version of the make. There’s often specific stipulations, such as the mileage or age of campervan at point of insurance.

Transferring NCB from another policy

If you’re making your campervan your primary vehicle, then you may be able to transfer your NCB, despite it not being a like-for-like policy.

Some insurers offer this while others may only offer it if you have multi-car insurance with them. It does vary, so do check before you take out a policy.

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.

If you’re looking for campervan insurance that gets you the right cover, speak to Just Kampers Insurance

With over 20 years of experience, we can source campervan insurance for you that is bespoke to your needs. We understand campervans, and their owners! So, whether you’re living in a van, or wanting to head out for the occasional weekend, speak to us today.