Campervan insurance built for your next getaway
Campervan insurance from a panel of trusted UK insurers
A new way to insure your campervan
Whether you own a VW campervan, a professional conversion, or a self-built van conversion, campervan insurance is the specialist cover that protects your vehicle, your belongings, and your liability wherever your travels take you. Standard car insurance won’t cover a vehicle registered as a campervan — and if your conversion is self-built, accurate declaration of its specification is essential to ensure your policy is valid.
At insurd, we’re an FCA-regulated specialist insurance broker with over 50 years of experience arranging campervan insurance across the UK. We work with a handpicked panel of leading UK insurers to find the right policy for your conversion type and how you use it.
Own a motorhome rather than a campervan? Click here for motorhome insurance.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
As a specialist insurance broker, we search our panel of leading UK insurers to find the right campervan insurance for you.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable campervan insurance prices.
What does campervan insurance cover?
Accidental damage to your campervan
Covers the cost of repairs if your campervan is damaged in an accident. Comprehensive cover protects your own vehicle as well as third-party claims*.
Other bad things that could happen
Covers damage caused by fire, storms, flooding, or vandalism. Your campervan is protected whether on a campsite, in storage, or parked at home*.
Broken glass and windscreens
All glass in your campervan is covered. Windscreen, side windows, and any roof lights. Glass claims won’t affect your No Claims Discount*.
If you injure someone
Covers legal liability for injuries to third parties and damage to their property. A legal requirement for any campervan driven on UK roads*.
Theft
If your campervan is stolen, you’ll receive a replacement or the market value. For high-value conversions, agreed value cover is worth considering to ensure an accurate payout*.
* Subject to your chosen level of policy cover and the prevailing policy excess.
What is campervan insurance?
Campervan insurance is a specialist policy designed for converted vehicles used for leisure travel and living — covering risks that a standard car policy doesn’t address. Whether your campervan is a professional conversion, a self-build, or a classic VW, the policy needs to reflect the true value and specification of the vehicle accurately.
A key consideration for campervan owners, particularly those with self-builds or non-standard conversions, is agreed value cover. Unlike market value policies, which can depreciate over time, agreed value cover fixes the payout amount at the start of the policy. For a well-spec’d conversion that has appreciated in value, this can make a significant difference to any claim outcome.
Types of cover
There are three main levels of campervan insurance:
- Third Party: The minimum legal requirement, covering damage or injury to others but not your campervan.
- Third Party, Fire and Theft: Adds cover for fire damage and theft of your campervan.
- Comprehensive: The most extensive protection, including accidental damage to your campervan, even if you are at fault.
There are also three main categories of use:
- Social, Domestic, and Pleasure: This type of cover is ideal for non-business purposes such as weekend trips, camping, visiting family and friends, or running personal errands.
- Commuting: Required if you use your campervan to travel to and from a single workplace. Though less common for campervans, it applies to those using the vehicle as a primary mode of transport.
- Personal Business Use: Provides cover for broader activities, such as driving to business meetings or events. This is crucial if you use your campervan for self-employment or work-related purposes in addition to commuting.
When selecting a policy, think about how you plan to use your campervan. Whether it’s for holidays, daily commutes, or occasional outings, make sure you choose the appropriate level of cover.
What type of campervans can you insure?
Self-build campervan insurance
Whether you’ve crafted your campervan from the ground up or transformed a standard van into something uniquely yours, it still needs the right insurance. No matter the design, whether it’s high-top, raised-roof, or fixed-roof, we offer tailored cover to suit your self-build pride and joy.
Professional conversion insurance
If your campervan has been expertly converted by a recognised specialist, this is the cover for you. Our policies are designed for full professional conversions, and we proudly cover vehicles converted by trusted names including Autohaus, Hillside Leisure, Bilbo’s and WildAx.
Classic campervan insurance
We can provide classic campervan cover across a range of styles, including high-tops and fixed-roofs. Iconic models like the VW T2 Split Bay, VW Devon T2, and more are potentially eligible for cover under our insurance policies.
What you’ll need to get the best campervan insurance prices
Our mission is to give you the best campervan insurance deal in the shortest possible time. But we’ll need some information from you to make sure we’re giving you an accurate price.
Your personal information (which is 100% secure)
Apart from the obvious reasons, we’ll need your name, address and date of birth to make sure you are who you say you are. Insurance application fraud is at its highest ever level and our background checks ensure everybody pays a fair price.
Your vehicle registration number and details
We’ll search DVLA and SMMT data to ensure we’ve got accurate information about your campervan.
Your driving licence number and details of your driving history
Providing your driving licence number (“DLN”) allows for validation of your entitlement to drive certain types of vehicles and your driving history. Some of our insurer partners will offer a discount for confirming your DLN.
Details of any No Claims Bonus you’ve earned
If you’ve been insured as a campervan driver previously and are accident-free, the chances are you’ve got a No Claims Bonus (“NCB”). Your NCB will usually reduce your premium by 30-70%, so it’s important you know exactly how many years’ entitlement you have.
Full details of any additional drivers you want to drive your vehicle
You’ll need to provide the same information about any other drivers, and you should have their permission to do so before you get a quote.
How much does campervan insurance cost?
As a rough guide, small campervans such as the VW T5 typically cost between £250 and £400 per year to insure. For a full breakdown of premiums by vehicle type, read our complete guide to average motorhome insurance costs. Several factors influence the cost of your policy:
Usage and mileage
How frequently you use your campervan and your annual mileage directly affect your premium. Seasonal or occasional use typically attracts lower premiums than year-round use.
Value of the campervan
The declared value of your campervan, including the cost of any conversion work, affects your premium. For self-builds and professional conversions, an accurate valuation is essential to avoid being underinsured.
Location
Where your campervan is stored when not in use affects your premium. Secure overnight storage, such as a locked garage or CaSSOA-approved facility, attracts lower rates than on-street parking.
Type of campervan
Classic campervans, VW conversions, and self-builds are all assessed differently at underwriting. The age, specification, and complexity of the conversion all influence your premium.
Driving record
A clean driving record with a No Claims Bonus can reduce your premium by 30–70%. Previous claims, convictions, or motoring offences will increase your costs.
Storage and security
Installing Thatcham-approved alarms, trackers, and Slagle locks signals lower risk to insurers. Security upgrades can materially reduce your quote, particularly for high-value conversions.
How to reduce your campervan insurance premium
Beyond the factors above, there are several practical steps that can help lower your campervan insurance costs.
- Build and protect your No Claims Bonus — A claim-free history is your most effective discount. NCB protection is worth considering once you’ve built up several years without a claim.
- Declare modifications accurately — Self-builds and conversions must be declared accurately. Undeclared modifications can invalidate a claim — but accurately declared, well-built conversions don’t necessarily push premiums up significantly.
- Install approved security devices — Thatcham-approved alarms, trackers, and immobilisers reduce theft risk in the eyes of insurers. For campervan conversions, a Slagle lock or deadlock on the habitation door is also worth considering.
- Store securely when not in use — A locked garage, driveway, or CaSSOA-approved storage facility reduces your risk profile significantly compared to on-street parking.
- Consider agreed value cover — Particularly important for well-spec’d conversions and classic campervans where market value policies may not reflect the true cost of replacement. Agreed value removes that uncertainty.
- Review mileage and usage — If your campervan is used seasonally or for leisure only, accurate mileage declarations ensure you’re not paying for risk you don’t carry.
For a full guide to reducing your costs, read our complete guide to lowering your campervan insurance cost.
Campervan insurance frequently asked questions
Do I need campervan insurance by law?
Yes — it's a legal requirement to have at least third-party insurance on your campervan unless it's declared SORN and off the road. In practice, specialist comprehensive campervan cover is strongly recommended, as a standard car or van policy won't cover the specific risks that come with campervan ownership.
Is campervan insurance different from car insurance?
Whilst both are essentially motor insurance, campervan insurance provides specific elements of cover tailored for campervan owners — such as awnings, personal belongings, and gas explosion cover — that a standard car policy simply won't include.
Can I drive my campervan on my car insurance?
Technically, most campervans under 3,500kg can be driven on a standard car licence, and some car policies may provide basic cover. However, we'd never recommend it — your campervan has been modified for a specific purpose and needs specialist cover to protect everything from the conversion and contents to awnings and gas equipment. A standard car policy simply won't cover these risks.
Will my driving licence allow me to drive a campervan?
This depends on when you passed your driving test, but you should be able to drive a motorhome or campervan without taking any special driving tests. If you passed your test before 1997 and your licence shows a Category B entitlement, you’re good to drive any motorhome up to 8.250kg in weight. If you passed your test in 1997 or later and your licence shows a Category B entitlement, you can drive a motorhome up to 3,500kg in weight. For large motorhomes, your licence would need to show Category C, Category CE, Category C1 or Category C1E. If you're 70 or over, you'll need to renew your driving licence every three years. It's a straightforward process but worth keeping on top of — driving with an expired licence could invalidate your insurance. You can check your entitlements and renew your licence on the Government website.
Am I covered to travel and drive abroad in my campervan?
Yes. All of our policies allow you to drive in EU countries for at least 30 days a year; with some policies extending to up to 180 days a year. If you're planning to travel abroad, you must tell us before you leave the UK — you can do that online, or call us on 0345 222 6318. We'll confirm the level of cover that applies to the countries you're visiting.
If you travel abroad more frequently, for longer periods of time or travel outside of EU countries, we can tailor your policy to provide extended foreign use cover.
Will I need to install any security devices?
We actively encourage campervan owners to install approved security devices and offer generous discounts to those who do. It isn't compulsory for most vehicles, but if your campervan is of particularly high value or isn't stored in a secure location, your insurer may require it. If you have a tracker fitted, make sure your subscription is kept active — a lapse could affect any claim.
Are my belongings covered inside my campervan?
Most of our policies include cover for personal effects and belongings kept inside your campervan, up to a set limit. High-value items may have individual limits or exclusions — check your policy documents or speak to our team for full details.
I’ve converted a van into a campervan myself – is that OK?
Of course — provided it's registered as a motor caravan with the DVLA, we can arrange cover. If your vehicle doesn't currently meet DVLA's requirements to be reclassified, take a look at our motorhome and campervan conversions guide for more information, or give our team a call. For more information, or give our team a call on 0345 222 6318.
Why can I trust insurd?
We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.
You can verify our status directly on the FCA register.
As well as campervan insurance, we also cover motorhomes with motorhome insurance.
Guides for campervan owners
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