Own a campervan? Then what you will want to know is:
Insuring a car is easy. Just compare prices and get the lowest possible quotes from this very cheap car insurance website. Insuring campervans is different though; they vary so widely in specification that price comparison sites are not the best way to get the cheapest premiums, which could be anywhere between about £200 and over £1,000. Then again they could be way outside these prices. It all depends on:
So, the only way to find out is to get a quote. You may be very pleasantly surprised.
Our insurance panel can usually arrange cover for just about anything but it must be listed as a campervan in your logbook. If it isn't we can probably advise you on how to get it properly registered.
This type of work is classed as modifications and your insurers must, repeat must, be informed. They may well have a fit and increase your premium substantially, in which case we may well be able to arrange a more sensible quote for you.
To get a van re-classified as a campervan by the DVLA it must have a bed, secured as a permanent fixture (it can be used for other purposes during the day);fixed cooking facilities (a microwave or single ring hob at least;) fixed storage facilities; and somwhere for a table and some seating, which may be detachable. You will also need windows on the side and an access door other than the driver and passenger's doors; and it may have to have a (free) inspection by a DVLA engineer. Full details are on this DVLA page.
Mainstream insurers are terrified of campervans. They must think they are likely to explode or something. the fact is that campervans tend to spend a relatively short time on the road every year, and their owners are mostly pretty careful drivers anyway. Our panel of insurers love campervans and mobile homes themselves so they understand them.
Oh, did we mention we have a panel of insurers? Fill the one form in and you'll likely get quotes from several companies. Then you can play one off against the other. Plus every policy is put together individually so you can choose, to a large degree, which benefits you want to pay for, and which you don't.
You can get comprehensive cover, third party or third party fire and theft. You might find that comprehensive offers car and away the best 'bang for buck' in fact it's sometimes cheaper than third party!
Naturally, a comprehensive policy can cover vandalism, third party claims, accidental damage, fire, and even gas explosions (but check your policy; as I said, every one is personalised). You can also choose to have cover for awnings, cooking equipment, personal effects, satnav equipment, door locks, even electricity generators.
You fill in a simple form. Your details are circulated to a panel of specialist campervan insurers (they are all fully authorised by the Financial Conduct Authority) who will then get back in touch with you with their quotes. You can then chat with them if you wish, and get a policy designed just for you.