Orlando Harmon
If you've converted a van or purchased a converted van, you may be wondering how to insure it. The type of insurance you need for your conversion van will depend on several factors, including whether it has been professionally converted or is a DIY conversion, the extent of modifications, and whether it is used primarily for transportation or as a living space. In general, if your conversion van has been modified to include sleeping, cooking, and bathroom facilities, it may be classified as a recreational vehicle (RV) and require specialized RV insurance. This type of insurance covers both the vehicle and the living amenities inside. On the other hand, if your conversion van has minimal modifications and is used primarily for transportation, standard auto insurance may be sufficient.
| Characteristics | Values |
|---|---|
| Type of insurance | RV insurance, Class B RV insurance, or auto insurance |
| What it covers | Collision and comprehensive damages, liability protection, personal belongings, roadside assistance, living expenses if the van is damaged, theft |
| What it doesn't cover | Wear and tear, routine maintenance, issues arising from improper installation or DIY modifications |
| Requirements | Fixed bed, kitchen, bathroom |
| Certification | Recreational Vehicle Industry Association (RVIA) certification may be required, but some insurers cover non-certified DIY conversions with proper documentation |
| Cost | Varies depending on the company and the value of the van and its contents |
| Companies | Progressive, Allstate, Roamly, Liberty Mutual, State Farm |
| Other considerations | Clean driving record, be honest about the van builder, provide documentation and photos of the van's interior and exterior, use an insurance broker |
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What You'll Learn
Camper van insurance vs. standard auto insurance
Camper van insurance and standard auto insurance differ in several ways. Firstly, standard auto insurance typically only covers the vehicle itself, excluding any type of build or conversion inside, as well as personal belongings. On the other hand, camper van insurance, also known as RV insurance, covers both the exterior and interior of the van, including personal belongings. This is especially important if you've invested significant time and money into your camper van conversion.
Standard auto insurance policies usually have limitations on what's covered during overnight stays or extended road trips. In contrast, camper van insurance is designed specifically for vehicles that serve as both transportation and living spaces. It typically covers collision and comprehensive damages, liability protection, personal belongings, and sometimes even roadside assistance. It can also cover living expenses if your van is damaged and you need temporary accommodation.
Another key difference is the eligibility requirements. Standard auto insurance can be obtained for any vehicle, while camper van insurance typically has specific requirements. For example, your van may need to be certified by the Recreational Vehicle Industry Association (RVIA) or have certain features like a fixed bed, kitchen, and bathroom to qualify for camper van insurance. Additionally, some insurance companies only offer camper van insurance for professionally converted vans, not DIY conversions, due to the difficulty in valuing DIY builds.
When deciding between camper van insurance and standard auto insurance, it's important to consider your specific needs and the extent of your camper van conversion. If your camper van is primarily used for transportation and hasn't undergone significant modifications, standard auto insurance may suffice. However, if your van has been converted into a living space, camper van insurance will provide more comprehensive coverage for both the vehicle and the living amenities inside.
Lastly, cost considerations may come into play. While camper van insurance typically offers more comprehensive coverage, it may not always be significantly more expensive than standard auto insurance. In some cases, camper van insurance can even be cheaper, depending on factors such as usage and mileage. It's advisable to shop around and compare quotes from different insurance providers to find the best coverage and rates for your camper van.
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RV insurance for converted vans
If you have converted your van into a living space, you will likely need RV insurance. This is different from standard auto insurance, which only covers the vehicle itself and not any type of build inside or personal belongings. RV insurance is designed for vehicles that serve as both transportation and living space.
RV insurance typically covers collision and comprehensive damage, liability protection, personal belongings, and sometimes roadside assistance. It can also cover living expenses if your van is damaged and you need temporary accommodation. However, it usually doesn't cover wear and tear, routine maintenance, or issues arising from improper installation or DIY modifications.
To qualify for RV insurance, your converted van must meet specific criteria, such as having a permanent bed, cooking facilities, and sometimes a bathroom. Some insurance companies may also require running water, power, and a toilet. It is important to check the definitions and requirements of the insurance company you are getting a quote from.
Insuring a DIY conversion van with RV insurance can be challenging because it can be difficult to put a value on the overall build and the time invested. However, it is not impossible, and certain companies like Roamly do offer RV insurance for DIY conversions. Proper documentation and professional appraisals are crucial if you've customised your van yourself.
When insuring a converted van, it is essential to be honest and upfront with your insurance company about your van builder to ensure you are adequately covered. Saving invoices, receipts, and proof of purchase can help demonstrate the value of your converted van.
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DIY vs. professional conversions
When it comes to converting a van, you can either do it yourself (DIY) or hire a professional conversion company. There are several factors to consider when deciding between the two.
DIY Conversions
If you have the necessary skills and knowledge, a DIY conversion can be a rewarding project. It allows you to customise your van according to your specific needs and preferences. You can take your time and work on it in stages as your budget allows. Additionally, you will have the satisfaction of building your own campervan and knowing exactly how everything works, which can make future repairs easier.
However, a DIY conversion requires a significant amount of time and effort. It may take years to fully convert a van, especially if you are working full-time or have limited experience with vehicle modifications. Acquiring the necessary tools and knowledge can also be expensive, and mistakes made during the process may further increase costs. Obtaining insurance for a DIY conversion can be challenging, as it may be difficult to put a value on the overall build.
Professional Conversions
Hiring a professional conversion company can save you time and effort. They have the expertise and experience to complete the conversion efficiently and to a high standard. Professional conversions often hold their value better and are typically easier to insure.
However, professional conversions can be more expensive upfront. Making changes or customisations after the conversion is completed may be difficult and costly. Additionally, finding a reputable conversion company and getting on their schedule may take some time.
Insurance Considerations
When it comes to insuring a conversion van, you may need more than just regular auto insurance. If your van has been significantly modified and serves as both transportation and living space, you may need Class B RV insurance. This type of insurance covers both the vehicle and the living amenities inside, including personal belongings. It is designed specifically for vehicles like camper vans and can provide coverage for collision, comprehensive damages, liability protection, and even roadside assistance.
In summary, the decision between a DIY or professional conversion depends on your unique situation, skillset, and preferences. Both options have their advantages and disadvantages, and it is important to carefully consider your priorities before making a choice.
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Insuring a conversion van as a commercial vehicle
Understanding Insurance Types
When it comes to insuring a conversion van, you may consider either standard auto insurance or Class B RV insurance. Standard auto insurance will cover the vehicle itself in the event of an accident, theft, or damage, but it typically won't cover any modifications or personal belongings inside the van. On the other hand, Class B RV insurance is specifically designed for vehicles that serve as both transportation and living spaces. This type of insurance covers both the vehicle and the living amenities, including personal belongings.
DIY vs. Professional Conversions
The type of conversion your van has undergone will impact your insurance options. Many insurance companies are hesitant to insure DIY builds due to the potential for issues arising from improper installation or modifications. In contrast, professionally converted vans may be more insurable, but they still require thorough documentation and professional appraisals to ensure accurate valuation.
State and Provider Variations
Insurance requirements and policies can vary significantly from state to state. Some states have specific requirements for classifying a van as an RV, while others have different definitions of what constitutes a campervan. It's important to research the specific regulations in your state to ensure compliance. Additionally, different insurance providers may have varying rates, coverage options, and restrictions, so shopping around and comparing multiple carriers is recommended.
Valuing Your Conversion Van
Determining the value of your conversion van can be challenging, especially if you've made significant modifications or DIY conversions. It's important to be realistic about the value and have documentation to support your valuation. Keep all receipts, invoices, and proof of purchase to demonstrate the total investment in your van. This will help you recover the closest amount to your van's worth in the event of a total loss.
Additional Considerations
When insuring your conversion van, consider the following:
- Get quotes in advance: Many carriers offer discounts for early quotes, so aim to obtain a quote more than two weeks before you need the insurance.
- Payment methods: Paying in full upfront and using a checking account instead of a credit card can often result in a lower price.
- Clean driving record: Maintaining a clean driving record and minimising claims can help obtain better rates.
- Spouse inclusion: If married, consider including your spouse on the policy, as the partner with a better driving record can be the primary insured.
In conclusion, insuring a conversion van as a commercial vehicle requires careful consideration of the van's usage, modifications, and value. By understanding the different insurance types, documenting your conversions, and shopping around for the best rates, you can find the right coverage to protect your investment and provide peace of mind while on the road.
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Getting the right insurance coverage
Understand the Type of Insurance You Need
The type of insurance you require depends on how you use your conversion van. If your van has been converted into a living space with essential amenities like a fixed bed, kitchen, and bathroom, you will likely need RV insurance. This type of insurance covers both the vehicle and the living amenities inside. On the other hand, if your van hasn't undergone significant modifications and is primarily used for transportation, regular auto insurance may suffice. However, keep in mind that auto insurance typically won't cover the contents inside the van or provide comprehensive coverage during extended trips.
Choose the Right Insurance Provider
Finding an insurance provider that caters to your specific needs can be challenging. Some companies, like Progressive, offer coverage for professionally converted campervans but may not insure DIY conversions. Other providers, such as Roamly, are known for offering competitive rates and flexible options for van lifers, including those with DIY builds. It's worth shopping around and getting quotes from multiple providers to find the best fit.
Provide Detailed Information About Your Van
When obtaining insurance for your conversion van, be prepared to provide comprehensive information about the vehicle. This includes both pre- and post-conversion values, modifications made, and any receipts or documentation that can support your claims. Having clear photos of the interior and exterior of your van can also be helpful when discussing coverage with insurance agents. Be honest and upfront about the nature of your conversion to ensure there are no surprises in the event of a claim.
Understand Coverage Limitations
It's important to understand what is typically covered and excluded from RV or auto insurance policies. For example, standard RV insurance usually covers collision and comprehensive damages, liability protection, and personal belongings. However, it may not cover wear and tear, routine maintenance, or issues arising from improper installations. Similarly, with auto insurance, the policy will generally cover the vehicle itself but not any type of build or personal belongings inside. Knowing these limitations will help you make an informed decision about the level of coverage you need.
Consider Using an Insurance Broker
Engaging the services of an experienced insurance broker who understands the intricacies of conversion van insurance can be advantageous. A good broker can help you navigate the complex world of insurance policies, find the best rates, and ensure that your unique needs are met. They can also provide valuable insights and guidance based on their experience with similar clients.
Be Mindful of State-Specific Requirements
Insurance requirements and policies can vary from state to state. For example, in some states, camper vans may only be classified as RVs on the title if they are converted by a licensed RV manufacturer. Understanding the specific regulations and requirements in your state will help you ensure that your conversion van is properly insured and compliant with local laws.
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Frequently asked questions
RV insurance covers both collision and comprehensive damages, liability protection, personal belongings, and sometimes even roadside assistance. It also covers the cost of living expenses if your van is damaged while you’re living in it. Standard auto insurance only covers the vehicle itself, not any type of build inside or any personal belongings.
Progressive, Allstate, Roamly, and State Farm are some of the insurance companies that insure conversion vans. However, Progressive only insures professionally converted campervans and not DIY conversions.
The factors that affect coverage options include whether the conversion is a DIY or professional build, the year, model, and cost of the conversion, and the state in which the van is registered.
The process for insuring a conversion van typically involves re-titling the van as a recreational vehicle (RV) with the Department of Motor Vehicles (DMV). This makes it easier for insurance companies to understand and assess risk, and it often results in lower premiums. It is also important to provide documentation, such as receipts and photos, to prove the value of the conversion to the insurance company.
