When it comes to owning a self-built van conversion, one of the most important things to consider is insurance. While it may not be the most exciting aspect of van life, it is an essential one. In the event of an accident or theft, having the right insurance can provide peace of mind and financial protection.
With so many insurance companies out there, it can be challenging to determine which one is the best fit for your self-built van conversion. Factors to consider include coverage options, premiums, and customer service. In this article, we will explore some of the top insurance companies for self-built van conversions and provide an overview of their policies, so you can make an informed decision about which one is right for you.
Understanding Van Conversion Insurance
When it comes to insuring a self-build van conversion, it’s important to understand the different types of insurance coverage available. There are several types of insurance policies that can cover a converted vehicle, including RV insurance, auto insurance, and renters insurance.
Liability insurance is a crucial component of any auto insurance policy, and it’s especially important for converted vans. Liability coverage provides protection in the event that you cause an accident that results in bodily injury or property damage. It can also cover legal fees if you are sued as a result of the accident.
Comprehensive coverage and collision coverage are two other types of coverage that are commonly included in auto insurance policies. Comprehensive coverage can help cover the cost of repairs or replacement if your van is damaged in a non-collision event, such as theft or a natural disaster. Collision coverage can help cover the cost of repairs or replacement if your van is damaged in a collision.
Premiums for van conversion insurance can vary widely depending on a number of factors, including the age and condition of the vehicle, the coverage limits you choose, and the level of risk associated with your driving habits. It’s important to shop around and compare rates from different insurance companies to ensure you’re getting the best coverage at the most affordable price.
Working with an insurance broker or local insurance agent can also be helpful when it comes to finding the right coverage for your converted van. They can help you navigate the different types of coverage available and ensure that you have the appropriate coverage limits for your needs.
It’s also important to consider any van accessories you may have added to your conversion, such as solar panels or a roof rack. Some insurance policies may not automatically cover these accessories, so it’s important to check with your insurance provider to ensure that you have adequate coverage.
Overall, it’s important to do your research and carefully consider your insurance options when insuring a self-build van conversion. By understanding the different types of coverage available and working with an experienced insurance professional, you can ensure that you have the protection you need in the event of an accident or other unforeseen event.
Top Insurance Providers for Van Conversions
When it comes to insuring your self-build van conversion, there are several insurance providers to choose from. We have researched and compiled a list of some of the top insurance providers for van conversions that you can consider.
Geico
Geico is a popular insurance provider that offers coverage for various types of vehicles, including vans. They offer liability coverage, collision coverage, and comprehensive coverage. Geico’s liability coverage can protect you from claims made by other people for property damage or bodily injury. Their collision coverage can help cover the cost of repairs or replacement if your van is damaged in a collision. Their comprehensive coverage can help cover the cost of repairs or replacement if your van is damaged by something other than a collision, such as theft, fire, or vandalism.
State Farm
State Farm is another popular insurance provider that offers coverage for vans. They offer liability coverage, collision coverage, and comprehensive coverage. State Farm’s liability coverage can protect you from claims made by other people for property damage or bodily injury. Their collision coverage can help cover the cost of repairs or replacement if your van is damaged in a collision. Their comprehensive coverage can help cover the cost of repairs or replacement if your van is damaged by something other than a collision, such as theft, fire, or vandalism.
Roamly
Roamly is a newer insurance company that specializes in insuring DIY and custom van builds. They offer liability coverage, collision coverage, and comprehensive coverage. Roamly’s liability coverage can protect you from claims made by other people for property damage or bodily injury. Their collision coverage can help cover the cost of repairs or replacement if your van is damaged in a collision. Their comprehensive coverage can help cover the cost of repairs or replacement if your van is damaged by something other than a collision, such as theft, fire, or vandalism.
Progressive RV Insurance
Progressive RV Insurance is an insurance provider that specializes in insuring recreational vehicles, including vans. They offer liability coverage, collision coverage, and comprehensive coverage. Progressive RV Insurance’s liability coverage can protect you from claims made by other people for property damage or bodily injury. Their collision coverage can help cover the cost of repairs or replacement if your van is damaged in a collision. Their comprehensive coverage can help cover the cost of repairs or replacement if your van is damaged by something other than a collision, such as theft, fire, or vandalism.
In conclusion, there are several insurance providers that offer coverage for van conversions. When choosing an insurance provider, it is essential to consider their coverage options, pricing, and customer service. Consider getting quotes from multiple providers to compare their coverage and pricing.
Self-Built Vs Professional Van Conversions
When it comes to van conversions, there are two main types: self-built and professional conversions. Self-built conversions are those that are done by the van owner themselves, while professional conversions are done by a company that specializes in van conversions.
Self-built conversions are popular among those who want to save money and have complete control over the design and build process. However, they can be time-consuming and require a lot of research and planning. Additionally, insurance companies may be hesitant to insure self-built conversions due to the potential for errors or safety issues.
Professional conversions, on the other hand, are typically more expensive but offer a higher level of quality and expertise. These conversions are often done by companies that specialize in van conversions and have experience with all types of builds. Insurance companies may be more willing to insure professional conversions due to the higher level of quality and safety standards.
When it comes to insurance, it is important to be honest about whether your van is self-built or professionally converted. Some insurance companies may require proof of a professional conversion in order to provide coverage. However, there are now some insurance companies, such as Roamly, that offer coverage for self-built conversions.
Overall, the decision between a self-built or professional conversion depends on personal preference, budget, and skill level. It is important to do thorough research and planning before beginning any conversion project, and to choose an insurance company that offers coverage that meets your specific needs.
Key Considerations for Van Conversion Insurance
When it comes to insuring a self-built van conversion, there are several key considerations to keep in mind. These factors can impact the cost of insurance and the coverage you receive. Here are some of the most important things to consider:
Certified Weight Slip
One of the most important factors that insurance companies consider when insuring a van conversion is its weight. In order to determine the weight of your van, you will need to obtain a certified weight slip. This document shows the weight of your van, including any modifications you have made. It’s important to ensure that your van is not overweight, as this can impact your insurance coverage.
Clean Driving Record
Having a clean driving record can help you get better rates on your van conversion insurance. Insurance companies consider your driving history when determining your risk level. If you have a history of accidents or traffic violations, you may be considered a higher risk and may have to pay higher premiums.
Coverage Limits
It’s important to consider the coverage limits when choosing an insurance policy for your van conversion. You should ensure that you have adequate coverage for liability, collision, and comprehensive coverage. You should also consider whether you need additional coverage for personal belongings or contents in your van.
Contents Coverage
If you plan to live in your van conversion full-time, you may want to consider contents coverage. This type of coverage protects your personal belongings and contents in the event of theft, damage, or loss.
Van Models
The type of van you have can impact your insurance rates. Some van models are considered higher risk than others, and may be more expensive to insure. It’s important to research insurance rates for different van models before making a purchase.
In summary, when insuring a self-built van conversion, it’s important to consider factors such as weight, driving record, coverage limits, contents coverage, and van models. By keeping these factors in mind, you can make an informed decision when choosing an insurance policy for your van conversion.
Vehicle Models for Van Conversion
When it comes to choosing a vehicle for a self-build van conversion, there are several popular options to consider. Each model has its own unique features and benefits, so it’s important to do your research and choose the one that best fits your needs.
Ram Promaster
The Ram Promaster is a popular choice for van conversions due to its spacious interior and easy-to-customize layout. It comes in several different wheelbase lengths and roof heights, making it a versatile option for a variety of conversion projects. The Promaster also has a front-wheel drive system, which provides better traction and handling in slippery conditions.
Ford Transit
The Ford Transit is another popular choice for van conversions, thanks to its reliable performance and spacious interior. It comes in several different models, including the Transit Connect and Transit Custom, which offer different sizes and configurations depending on your needs. The Transit also has a range of engine options, including a fuel-efficient EcoBlue diesel engine.
Mercedes Sprinter
The Mercedes Sprinter is a high-end option for van conversions, with a reputation for luxury and reliability. It comes in several different models, including the Sprinter Cargo Van and Sprinter Passenger Van, which offer different sizes and configurations depending on your needs. The Sprinter also has a range of advanced safety features, including lane-keeping assist and collision prevention assist.
Dodge Promaster Conversions
The Dodge Promaster is similar to the Ram Promaster, with a spacious interior and front-wheel drive system. It comes in several different models, including the Promaster City and Promaster Cargo Van, which offer different sizes and configurations depending on your needs. The Promaster also has a range of advanced safety features, including electronic stability control and hill start assist.
Class B Motorhomes
Class B motorhomes are another option for van conversions, offering a ready-made living space on wheels. They are typically built on a van chassis, such as the Mercedes Sprinter or Ford Transit, and offer a range of amenities and features, including a kitchen, bathroom, and sleeping area. However, they can be more expensive than self-built conversions and may not offer as much customization options.
Overall, the best vehicle model for your van conversion will depend on your individual needs and preferences. Consider factors such as size, layout, and budget when making your decision, and don’t be afraid to test drive a few different models before making a final choice.
Popular Van Conversion Companies
When it comes to van conversion companies, there are several popular names that come to mind. These companies have established themselves as leaders in the industry and are known for their quality workmanship and attention to detail. Let’s take a closer look at some of these companies:
- Sportsmobile: Sportsmobile is one of the most well-known van conversion companies in the US. They have been in business for over 50 years and are known for their high-quality conversions of a variety of vans, including the Mercedes Sprinter, Ford Transit, and Chevy Express.
- Storyteller Overland: Storyteller Overland is a newer company that has quickly gained a strong following. They specialize in rugged, off-road conversions of the Mercedes Sprinter and Ford Transit, and their attention to detail is evident in their designs.
- Tourig: Tourig is a company that prides itself on building lightweight, durable, and high-performance conversions. They work with a variety of vans, including the Mercedes Sprinter, Ford Transit, and Ram Promaster.
- Outside Van: Outside Van is another well-known name in the van conversion industry. They offer a variety of conversion packages, including off-road conversions, luxury conversions, and adventure conversions.
- Van Specialties: Van Specialties has been in business for over 40 years and is known for their high-quality conversions of a variety of vans, including the Mercedes Sprinter, Ford Transit, and Chevy Express.
- Advanture Co: Advanture Co is a newer company that has quickly gained a strong following. They specialize in off-road conversions of the Mercedes Sprinter and Ford Transit, and their attention to detail is evident in their designs.
- Beartooth Vanworks: Beartooth Vanworks is a company that prides itself on building rugged and durable conversions. They work with a variety of vans, including the Mercedes Sprinter, Ford Transit, and Ram Promaster.
- Aspen Custom Vans: Aspen Custom Vans is a company that specializes in luxury conversions of the Mercedes Sprinter and Ford Transit. They offer a variety of customization options, including high-end finishes and custom cabinetry.
- Colorado Camper Van: Colorado Camper Van is a company that offers a variety of conversion packages, including off-road conversions, luxury conversions, and adventure conversions. They work with a variety of vans, including the Mercedes Sprinter, Ford Transit, and Ram Promaster.
- Titan Vans: Titan Vans is a newer company that has quickly gained a strong following. They specialize in off-road conversions of the Mercedes Sprinter and Ford Transit, and their attention to detail is evident in their designs.
- El Kapitan: El Kapitan is a company that has been in business for over 30 years and is known for their high-quality conversions of a variety of vans, including the Mercedes Sprinter, Ford Transit, and Chevy Express.
- Sync Vans: Sync Vans is a company that prides itself on building lightweight, durable, and high-performance conversions. They work with a variety of vans, including the Mercedes Sprinter, Ford Transit, and Ram Promaster.
- Rossmönster Vans: Rossmönster Vans is a newer company that has quickly gained a strong following. They specialize in off-road conversions of the Mercedes Sprinter and Ford Transit, and their attention to detail is evident in their designs.
- Adventure Wagon: Adventure Wagon is a company that offers a variety of conversion packages, including off-road conversions, luxury conversions, and adventure conversions. They work with a variety of vans, including the Mercedes Sprinter, Ford Transit, and Ram Promaster.
- Vanworks: Vanworks is a company that has been in business for over 30 years and is known for their high-quality conversions of a variety of vans, including the Mercedes Sprinter, Ford Transit, and Chevy Express.
- Freedom Vans: Freedom Vans is a newer company that has quickly gained a strong following. They specialize in off-road conversions of the Mercedes Sprinter and Ford Transit, and their attention to detail is evident in their designs.
- Zenvanz: Zenvanz is a company that prides itself on building unique and innovative conversions. They work with a variety of vans, including the Mercedes Sprinter, Ford Transit, and Ram Promaster.
- Yetibus: Yetibus is a newer company that has quickly gained a strong following. They specialize in off-road conversions of the Mercedes Sprinter and Ford Transit, and their attention to detail is evident in their designs.
Unique Features in Van Conversions
Self-built van conversions are a popular way to explore the open road with the comfort and convenience of home. However, these unique vehicles require a different type of insurance coverage than a standard car or RV. Here are some of the unique features that self-built van conversions may have and what to consider when looking for insurance coverage.
Custom Van Build
One of the most significant differences between a standard vehicle and a van conversion is that the latter is often a custom build. Insurance companies may require receipts for any modifications made to the van to ensure that they are up to code and safe to drive. It’s important to keep all receipts and records of work done on the van to prove its value to the insurance company.
Roadside Assistance
Van conversions can break down just like any other vehicle, but they may require specialized assistance. Look for an insurance company that offers roadside assistance specifically for van conversions, including towing and repair services.
Heating, Air Conditioning and Running Water
Many van conversions have a heating and air conditioning system, as well as running water. These features can be expensive to repair or replace if they break down. Make sure that your insurance policy covers these systems and any potential damage that they may cause.
Electrical System
Van conversions often have an electrical system that powers appliances and lighting. It’s important to have an insurance policy that covers any damage to the electrical system, as well as any damage that it may cause.
Personal Belongings
Van conversions are often used to store personal belongings, such as clothing, electronics, and camping gear. Look for an insurance policy that covers these items in case of theft or damage.
Refrigerator and Refrigeration
Many van conversions have a refrigerator and refrigeration system. It’s important to have an insurance policy that covers any damage to the refrigerator and its contents, as well as any damage that it may cause.
Bathroom Facilities
Some van conversions have bathroom facilities, such as a toilet and shower. These features can be expensive to repair or replace if they break down. Make sure that your insurance policy covers these systems and any potential damage that they may cause.
Rooftop Deck
Van conversions may have a rooftop deck for outdoor living space. It’s important to have an insurance policy that covers any damage to the deck and any potential liability issues that may arise from its use.
Interiors
Van conversions often have unique interiors, including custom cabinetry and furnishings. Look for an insurance policy that covers any damage to the interior of the van, as well as any potential liability issues that may arise from its use.
Overall, when looking for insurance coverage for a self-built van conversion, it’s important to find a policy that covers all of the unique features of the vehicle, as well as any potential liability issues that may arise from its use.
Living the Van Life
Living the van life is an exciting and liberating experience. Whether you’re travelling solo or with a partner, it offers a unique opportunity to explore the world on your own terms. However, it’s important to ensure that you have the right insurance coverage for your van home to protect yourself and your investment.
If you have a DIY converted van, it’s important to find an insurance company that understands the unique needs of the vanlife community. Look for an insurer that offers coverage for upgrades and customizations, as well as liability coverage for accidents that may occur while on the road.
If you’re planning on renting out your van on sites like Outdoorsy, make sure that your insurance policy allows for this. Some insurers may have restrictions on van rentals, so it’s important to do your research to find the right policy for your needs.
When choosing an insurance company, consider factors such as customer service, pricing, and coverage options. Look for a company that has experience insuring campervans and van conversions, and that offers flexible policies that can be tailored to your specific needs.
Overall, living the van life can be an incredible adventure, but it’s important to make sure that you have the right insurance coverage to protect yourself and your van home. With the right insurance policy, you can enjoy the freedom and flexibility of vanlife with peace of mind.
Preventing Insurance Fraud
Insurance fraud is a serious issue that can have significant financial impacts on both insurance companies and consumers. According to the Coalition Against Insurance Fraud, fraud costs businesses and consumers £233 billion a year. As a result, insurance companies take measures to prevent fraud from occurring.
One way insurance companies prevent fraud is by requiring proof of ownership and value of the items being insured. For self-build van conversions, this means providing receipts for all materials and labour costs. Insurance companies may also require photographs of the finished conversion to ensure that it matches the description provided.
Another way insurance companies prevent fraud is by using anti-fraud technology. This technology can detect patterns of fraud and alert insurance companies to potential fraudulent activity. Insurance companies may also investigate claims that seem suspicious, such as claims for expensive items that were reported stolen shortly after being purchased.
It is important to note that insurance fraud is a criminal offence and can result in fines, imprisonment, and a criminal record. The Department of Motor Vehicles (DMV) may also become involved if the fraud involves a vehicle.
To avoid committing insurance fraud, it is important to be honest and accurate when applying for insurance and making claims. Any discrepancies or false information can be considered fraud and may result in the denial of a claim or even legal action.
In summary, insurance companies take measures to prevent fraud from occurring, including requiring proof of ownership and value, using anti-fraud technology, and investigating suspicious claims. It is important to be honest and accurate when applying for insurance and making claims to avoid committing insurance fraud, which can have serious consequences.
Protecting Personal Belongings in a Van
As a van owner, it is important to protect your personal belongings from theft or damage. This is especially true if you are living in your van full-time. Here are some ways to protect your personal belongings in a van:
Personal Articles Insurance
Personal articles insurance is a type of insurance that covers personal belongings such as jewellery, cameras, laptops, and other valuable items. This type of insurance can be added to your existing home insurance policy or purchased as a standalone policy. It is important to note that not all insurance companies offer personal articles insurance, so it is important to shop around to find a policy that meets your needs.
RV Insurance
If you are living in your van full-time, you may want to consider RV insurance. RV insurance offers the same coverage as auto insurance, but also includes coverage for personal belongings and furniture. This type of insurance can be especially important if you have expensive equipment or electronics in your van.
Security Measures
One of the best ways to protect your personal belongings in a van is to take security measures. This can include installing an alarm system, adding a deadbolt to your door, and parking in well-lit areas. It is also a good idea to keep your personal belongings out of sight and locked up when you are not in your van.
Other Tips
Here are a few other tips for protecting your personal belongings in a van:
- Keep a record of all your valuable items, including serial numbers and purchase dates.
- Use a safe or lockbox to store your most valuable items.
- Consider getting a tracking device for your van in case it is stolen.
In conclusion, protecting your personal belongings in a van is important to ensure that you are not left without your valuables in case of theft or damage. By taking security measures, considering personal articles insurance, and investing in RV insurance, you can have peace of mind knowing that your belongings are protected.
Frequently Asked Questions
What are some reputable insurance companies for self-built van conversions?
There are several reputable insurance companies that offer coverage for self-built van conversions. Some of the most popular options include Esurance, Policygenius, and Roamly. It’s important to do your research and compare quotes from multiple providers to find the best coverage and rates for your specific needs.
How can I compare self-build campervan insurance options?
When comparing self-build campervan insurance options, it’s important to consider factors such as coverage limits, deductibles, and premiums. You should also look for providers that specialize in campervan insurance and have experience insuring self-built conversions. Be sure to read reviews and ask for recommendations from other van conversion owners to find the best options.
Is it necessary to inform my insurance company about my van conversion?
Yes, it is necessary to inform your insurance company about your van conversion. Failure to disclose modifications to your vehicle could result in denied claims or even cancellation of your policy. It’s important to be honest and transparent with your insurance provider to ensure that you have the proper coverage for your specific needs.
Can I insure my converted campervan as a regular van?
It may be possible to insure your converted campervan as a regular van, but it’s important to note that standard van insurance may not provide adequate coverage for your specific needs. Campervan insurance typically includes additional coverage options such as personal belongings, camping equipment, and emergency accommodation. Be sure to compare quotes from both regular van insurance providers and specialized campervan insurance providers to find the best coverage for your needs.
Do I need special insurance for a campervan?
Yes, you will need special insurance for a campervan. Standard car insurance policies typically do not provide coverage for the unique features and equipment found in campervans. Campervan insurance policies typically include coverage options such as personal belongings, camping equipment, and emergency accommodation.
Is campervan insurance generally cheaper than van insurance?
Campervan insurance is not necessarily cheaper than van insurance. The cost of insurance depends on several factors, including the type of vehicle, the level of coverage, and the driver’s history and experience. It’s important to compare quotes from multiple providers to find the best coverage and rates for your specific needs.
