Camper Van Insurance

Most campervan insurance policies assume that you will be using the van for leisure or social purposes. For this reason, business use of the van is usually excluded from any insurance policies.

Fully comprehensive campervan insurance policies usually include cover for the following…

1. …personal effects
2. …Alternative accommodation for a set period of time should your campervan be stolen or damaged (typically just over two weeks)
3. …personal accident benefit
4. …windscreen cover (may or may not affect future no claims bonus)
5. …camping equipment

Some more comprehensive campervan insurance policies may also include “Green Card” cover. This means that the campervan is also insured in the majority of countries in Europe for a period, typically, of around three months (although this can be extended, usually at extra cost). Campervan insurance is also available to a third party level, as well as to third party, fire and theft.

Campervan insurance may actually be cheaper than you think: Many insurance companies consider campervans to be at a relatively low risk and therefore it less likely that a claim will be necessary. They work on the assumption that given the fact that campervans are used for holidays, drivers tend to drive in a more leisurely manner. Similarly, they are less likely to be driven in rush hour conditions or in particularly urban areas. This makes them less likely to be involved in an accident. What’s more, the average mileage of a campervan tends to be lower, and they are considered to be at a low risk of theft. All of these factors contribute to a low campervan insurance premium.