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Finding The Best Campervan & Self Build Campervan Insurance.

Updated: Apr 2

Having the correct insurance for your campervan is essential especially if you are considering living the van life.

campervan insurance

For many people, campervans and self-build campervans are a gateway to a life of adventure and freedom on the open road. Whether you're taking a long-term trip or just a weekend getaway, it's important to have the right insurance to protect your vehicle and your investment. In this article, we'll discuss why it's important to have the correct insurance for your campervan or self-build campervan.

First and foremost, having the right insurance for your campervan or self-build campervan can protect you financially in case of an accident or theft. Without insurance, you could be responsible for paying for any damages or losses out of pocket. This can be especially expensive if your vehicle is stolen or if you're involved in a serious accident. With the right insurance, you can rest easy knowing that you're protected financially.

In addition to financial protection, having the right insurance can also help you comply with legal requirements. In the UK, all vehicles must have at least third-party insurance in order to be on the road. Failure to comply with this requirement can result in fines or even legal action. If you're driving a campervan or self-build campervan, it's important to make sure that your insurance meets the minimum legal requirements.

Another reason to have the right insurance for your campervan or self-build campervan is to protect your investment. Campervans and self-build campervans can be expensive to purchase and customize. If your vehicle is stolen or damaged beyond repair, it could be a significant financial loss. With the right insurance, you can ensure that you're able to replace or repair your vehicle in the event of a total loss.

When it comes to choosing the right insurance for your campervan or self-build campervan, it's important to consider your individual needs. Depending on how often you use your vehicle, where you travel, and what you use it for, you may need different levels of coverage. Some insurance policies may offer extras such as breakdown cover, personal injury cover, or European cover. It's important to review your policy carefully and make sure that it covers all of your needs.

Self Build Campervan Insurance.

If you have built your own campervan (converted a standard van into a campervan) or purchased one, you do not want all that hard work, time and money spent to have been a complete waste of time, this is why you need to have an insurance policy that you can rely on, gives you the best protection available and gives you peace of mind.

Your Self Build Campervan Must Meet Certain Requirements.

Unfortunately you will not be able to correctly insure your self build campervan if it does not fully meet the DVLA (Driver and Vehicle Licensing Agency) requirements.

The DVLA will only consider changing the body type to a campervan (motor caravan) if the body type shown on your V5C registration certificate is currently one of the following:


box van


insulated van

light goods

light van

livestock carrier

Luton van


MPV (multi-purpose vehicle)

panel van

specially fitted van

special mobile unit

van with side windows

This list describes the external features which are commonly seen on campervans and it is intended to provide guidance on what DVLA expects to see when considering your application:

  • 2 or more windows on at least one side of the main body (this does not include windows on the driver or passenger doors) to provide a reasonable amount of daylight into the living accommodation

  • a separate door which provides access to the living accommodation of the vehicle (this excludes the driver and passenger doors); a window on this door counts as a separate window on the main body

  • motor caravan-style graphics on both sides of the vehicle

  • an awning bar attached to either side of the vehicle

  • a high-top roof (this does not include a pop-top elevating roof)

To find out more about the criteria your self built campervan must meet take a look HERE

Three levels Of Campervan Insurance Cover.

  • Third-party only – compensates other people for injury or damage you cause but won’t pay to repair your campervan after an accident. This is the minimum level of cover you can have by law.

  • Third-party, fire and theft – includes third-party only cover and will also pay to repair or replace your campervan if it’s stolen or damaged by fire.

  • Comprehensive cover – provides third-party, fire and theft cover and will also compensate you if your campervan is stolen, damaged or written off in an accident.

Insurance Policies Usually Include A Number Of Other Key Features.

These will vary by insurer and they’ll usually be offered as optional extras:

Windscreen Cover

European Cover

legal Expenses

Courtesy Car


How Much Will It Cost To Insure My Campervan?

Insurance companies work with a range of factors to give you a competitive price for your campervan insurance, However premiums can vary depending on your needs and your own circumstances. Factors that insurers will take into account will include:

Your claims history – a claim made in the last five years can mean you pay more for campervan insurance.

Security – If possible keep your campervan parked somewhere safe like a locked garage, secure storage or a driveway. Investing in an alarm and immobiliser can help too.

Mileage – The more miles you cover in your campervan the greater the risk of you being involved in an accident, which unfortunately can raise your premium.

Your driving record – Penalty points will undoubtedly lead to an increase in your premium.

Your age – Campervan insurance for under 25`s can unfortunately be significantly higher as this age group is more likely to be involved in an accident.

Ways To Save Money On Campervan Insurance.

There are a few ways that you can lower the cost of your campervan insurance, it may not be by a lot but they are definitely worth considering:

  • Increase your voluntary excess which can in turn lower your overall premium.

  • Add an older, more experienced named driver to your policy.

  • Limit the number of miles you do each year.

  • Pay for your policy in one payment instead of monthly instalments.

Compare Campervan Insurance Quotes.

  • Get your quotes by filling in one simple form, compare prices, and start saving.

  • Quotes from UK insurance providers

  • Our quote form uses 128-bit SSL encryption for your peace of mind.

  • Join an ever-growing list of satisfied customers today.


2 則留言


"As our panel of insurance providers contact you directly, please enter your preferred mobile or landline telephone number."....... yeah no thanks - email only. It's a no from me.


Manon Deslauriers
Manon Deslauriers

Insurance is still like a big black hole to me. I do not have the registration number yet for my van so I can only speculate with insurance company. To avoid frustration I wait until I get the registration number. I tried the quote site from this post and after filling up the form I got the message "we cannot help you". Do members have an idea if the costs? I want full coverage, including Europe. Fairly new van, low mileage, professional conversion.

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