Whether you’re an experienced campervan enthusiast or just starting your conversion journey, having the right insurance for campervan conversions is essential. A converted campervan is not just a vehicle — it’s a home on wheels, often with bespoke upgrades and valuable equipment that require specialist protection.
In this comprehensive guide, we’ll explore everything you need to know about insurance for campervan conversions in 2025, including the types of cover available, how premiums are calculated, and how to protect self-build projects during the conversion process. Whether you’re travelling across the UK or venturing into Europe, having the right insurance can make all the difference.
What is Insurance for Campervan Conversions?
Insurance for campervan conversions is a specialist form of motor insurance designed to cover vehicles that have been converted into campervans, either professionally or through DIY projects. Standard van or motorhome insurance may not fully account for the custom interior, fitted appliances, or high-value accessories that are common in campervan conversions.
Specialist campervan conversion insurance ensures these unique features are covered, providing protection not only for the base vehicle but also for the custom work and personal belongings inside.
Types of Campervan Conversion Insurance
In the UK, campervan insurance follows the same general structure as standard vehicle insurance, with three core levels of cover:
1. Third-Party Only
This is the minimum legal requirement for any vehicle on UK roads. It covers damage or injury you cause to other people or property, but it doesn’t cover any damage to your own campervan.
2. Third-Party, Fire and Theft
In addition to third-party cover, this policy protects your campervan if it’s stolen or damaged by fire. This is a popular mid-range option for owners of older or lower-value conversions who want some protection without the cost of fully comprehensive cover.
3. Comprehensive Cover
This is the highest level of cover, protecting against damage to your own campervan, even if you are at fault. It also includes third-party, fire, and theft protection. Comprehensive policies often come with valuable extras like:
- European travel cover
- Windscreen replacement
- Personal belongings cover
- Breakdown assistance
Many major insurers, such as NFU Mutual, Aviva (via Comfort Insurance), and specialist providers like Caravan Guard, Brentacare and Adrian Flux, offer tailored comprehensive policies specifically for campervan conversions.
Specialist Cover for Self-Build Campervans
If you’re building your campervan yourself, self-build campervan insurance is crucial. This type of policy can cover:
- The build phase – providing protection while your van is being converted
- The completed campervan – once your conversion is road-ready
Self-build insurance often requires you to provide evidence of the work, such as photos and receipts for materials. This helps insurers understand the value of your finished campervan, which is critical for agreeing a fair value for the policy.
Specialist insurers such as Adrian Flux and Brentacare offer “camper in conversion” cover — a valuable policy for protecting your investment while your vehicle is being transformed.
Factors That Affect the Cost of Campervan Conversion Insurance
Several key factors influence your premium:
1. Type and Extent of the Conversion
The more complex and high-value your conversion, the higher the premium is likely to be. Features like solar panels, fitted kitchens, and bespoke cabinetry all increase the value of your campervan — and the potential cost to repair or replace it.
2. Age, Experience and Driving History
Younger drivers or those with limited experience will typically face higher premiums. Your driving history, including any previous claims, will also be factored in.
3. Annual Mileage
High-mileage campervans tend to attract higher premiums due to the increased risk of accidents.
4. Storage and Security
Where you keep your campervan when it’s not in use matters. Secure storage — such as a locked garage or monitored site — can help lower your premium. Adding additional security features, such as alarms, immobilisers and tracking devices, can also reduce costs.
Key Features to Look for in Campervan Conversion Insurance
When comparing policies, don’t just look at the price. Focus on what’s actually covered. Key features to consider include:
Personal Belongings Cover
Your campervan is more than just a vehicle — it’s a home on the move. Look for a policy that covers personal items, such as clothing, gadgets, and camping gear. Some policies offer cover up to £5,000 (typically for motorhomes), but for smaller campervans, this might be capped at £1,000.
European Travel Cover
Planning to tour Europe? Check how long your policy allows you to travel abroad — this can range from 90 days to a full year.
Windscreen Cover
Large windscreens are expensive to replace. A good policy will offer unlimited windscreen replacement, sometimes without affecting your no claims bonus.
Agreed Value Cover for Self-Builds
For self-build conversions, this is especially important. With agreed value, you and the insurer agree upfront on the value of your campervan — factoring in the time, materials and craftsmanship that went into the build. This ensures you receive fair compensation in the event of a total loss.
Insurance for Campervans in Conversion
If your conversion is still in progress, don’t assume standard van insurance will cover your upgrades. You need camper in conversion insurance to protect the vehicle and any work-in-progress modifications.
This ensures that if the van is damaged or stolen mid-build, you won’t lose your entire investment. Some insurers set time limits for completing the conversion and may require regular photo updates.
Common Exclusions to Be Aware Of
Even the best campervan conversion insurance policies have exclusions. These often include:
- Wear and tear – general deterioration over time is not covered.
- Pest damage – infestations from vermin or insects are excluded.
- Negligence – theft from an unattended vehicle left unlocked or with keys inside is excluded.
- Cyber risks – damage caused by software issues or vehicle hacking is now excluded by some insurers.
Review policy documents carefully to ensure you understand what’s not covered.
Tips for Finding the Best Insurance for Campervan Conversions
- Compare Multiple Quotes – Use services like Quotezone and Compare Motorhome Insurance to get quotes from multiple providers.
- Use Specialist Insurers – Companies like Caravan Guard, Adrian Flux, and Brentacare understand campervans better than generic car insurers.
- Look for Discounts – Secure storage, low mileage, and membership in campervan clubs can all help reduce your premium.
- Check for Optional Extras – Consider extras like European breakdown cover, awning protection, and personal effects cover if they suit your needs.
- Don’t Underestimate Your Conversion Value – For self-builds, keep thorough records of your costs and time spent, so you can negotiate a realistic agreed value.
Mainstream Insurers Offering Campervan Insurance
To help you find the best insurance for your campervan conversion, we’ve rounded up some of the leading providers in the UK for 2025. Whether you’re looking for specialist self-build cover or a competitively priced comprehensive policy, these companies are worth considering.
| Insurance Provider | Type | Speciality | Key Features | Website |
| NFU Mutual | Mainstream Insurer | Campervan cover via Comprehensive Car Insurance | European cover, windscreen replacement, Motor Legal Protection | Visit NFU Mutual |
| Aviva (via Comfort Insurance) | Mainstream Insurer (via Specialist Partner) | Campervans & Motorhomes | “Twilight” cover for campervans, up to £1,000 personal belongings cover, European travel cover | Visit Aviva |
| Caravan Guard | Specialist Insurer | Campervans, Motorhomes & Conversions | UK breakdown cover as standard, award-winning cover, personal injury benefit up to £15,000 | Visit Caravan Guard |
| Adrian Flux | Specialist Insurer | Campervans, Self-Builds & Modifications | Self-build cover during & after conversion, agreed value policies, flexible custom cover | Visit Adrian Flux |
| Brentacre Insurance | Specialist Insurer | Modified Vehicles & Self-Build Campervans | Covers non-standard conversions, agreed value, flexible during conversion cover | Visit Brentacre |
| Quotezone | Comparison Site | Campervans & Motorhomes | Compares quotes from multiple providers including self-build options | Visit Quotezone |
| Compare Motorhome Insurance | Comparison Site | Motorhomes & Campervans | Campervan-specific quote comparison service | Visit Compare Motorhome Insurance |
Final Thoughts on Insurance for Campervan Conversions in 2025
Securing the right insurance for campervan conversions is essential to protect your investment, whether you’ve bought a professional conversion or built it yourself. As the campervan community continues to grow in 2025, specialist policies are evolving to reflect the unique needs of both seasoned van lifers and first-time converters.
By understanding the types of cover, shopping around with specialist providers, and ensuring your unique conversion is accurately valued, you can enjoy peace of mind on the road — wherever your adventure takes you.
