Finding the Right Cover for Your UK Van
Standard car insurance won't protect your investment. A converted van is both vehicle and mobile home - you need coverage that reflects this.
Insurance Comparison Table
| Provider | Starting Price | Best For | Key Feature | UK Website |
|---|---|---|---|---|
| Adrian Flux | £400/year | Modified/converted vans | Specialist brokers, agreed value policies | Direct link |
| Bell Insurance | £350/year | Motorhome owners | Covers conversion equipment, European travel | Direct link |
| Caravan Guard | £450/year | Permanent live-in vans | Full motorhome cover, 24/7 support | Direct link |
| Sky Insurance | £380/year | European campers | Multi-country cover, multilingual support | Direct link |
| Lancaster Insurance | £500/year | Classic/exotic vans | Historic vehicle expertise, specialist underwriting | Direct link |
What to Look for in Your Policy
- Personal Contents Cover - Must include kitchen appliances, clothing, tools
- Conversion Equipment - Covers fitted items (not brought along items)
- Fire/Theft from Caravan - Covers if stolen while parked
- Personal Accident - If you're injured in an accident
- Emergency Accommodation - If your van is written off
Typical Policy Excesses
| Claim Type | Excess |
|---|---|
| Fire/Theft | £500-£1,000 |
| Accidental Damage | £300-£600 |
| Third Party Injury | £0-£300 |
| Third Party Property | £250-£500 |
| Towing/Recovery | £100-£250 |
Specialist Brokers vs Direct Providers
Specialist Brokers (Adrian Flux, Lancaster) - Best for complex modifications, classic vans, or non-standard builds. They understand van life needs and can negotiate for you.
Direct Providers (Bell, Caravan Guard) - Generally cheaper, standard policies. Good for straightforward motorhome conversions.
How to Get Quotes
- Gather vehicle details - Registration, VIN, modification photos
- Take photos - Full interior and exterior shots for accurate valuation
- Be honest about usage - Permanent vs occasional use affects risk assessment
- Compare 3+ quotes - Prices can vary 20-40% between providers
- Ask about discounts - Multi-policy, security devices, paying annually