Self-converted campervan insurance

Standard van insurance is unlikely to cover your self-converted campervan. That means if something goes wrong—like damage or theft—you could be left footing the bill. This could be particularly stressful considering the countless hours you’ve likely invested into modifying your custom vehicle.

That’s where Lifesure can help. Our specialist self-converted campervan insurance can help protect your pride and joy. It offers flexible cover for any vehicle that’s been converted to include living accommodation—no matter how you’ve designed it.

Key features of a typical campervan insurance policy

Wherever you take your self-converted campervan, chances are it will carry expensive and valuable items you’ll want to protect. From personal belongings and built-in fixtures to lost keys, we can help to cover you for things that standard van insurance typically may not.

Here’s what’s included:

Personal belongings cover

Personal Accident Cover Driver And Occupants

Cover if your vehicle is damaged or stolen

Cover available even if your conversion is not finished

Rating discounts for lower-than-average-mileage

Camping equipment included in cover

Damage to windows or windscreen covered

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Get your quote

Why choose Lifesure for self-converted campervan insurance?

Your campervan is unique, and that’s why we make our policies flexible. Whether you’ve kitted out your van with custom interiors, built-in appliances or specialist tools, we can tailor your policy to help ensure your vehicle—and its contents —is protected.

We also know many insurers won’t cover you unless your V5 shows “motorcaravan,” but reclassification isn’t always a straightforward process. The DVLA often rejects applications if your van still looks like a van from the outside.

Our specialist insurers can cover your campervan under its original classification, as long as you provide proof of conversion, such as interior and exterior photos or a receipt from a professional converter.

If you’re in the middle of a self-build, we also offer 90-day cover so you can finish the job before submitting proof.

What’s covered

Cover for campervans worth up to £75,000
Up to £3,500 of personal possessions cover for your items
No mileage cap on some policies
Self-converting cover options to protect you while off the road
Damage to windows or windscreen cover
Fire and theft cover
Awnings, gas bottles, and generators are all protected
Contribution towards replacement keys in case of theft or loss
Rating discounts for lower-than-average-mileage
Alternative accommodation cover at no extra cost
EU cover

What's not covered

Deterioration or wear and tear
Loss or damage if your campervan hasn’t been properly secured, with doors and windows fastened
Loss or damage to a trailer or caravan, whether attached to your campervan or not
Excluded drivers, including drivers without a driving licence and disqualified drivers

Optional extras

Vehicle excess reimbursement for the excess on your vehicle insurance after a claim
Legal expenses cover for recovering uninsured losses and legal defence
Substitute vehicle provided if yours is undrivable or written off due to an insured incident
UK roadside recovery and at-home assistance from RAC

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements. Policy enhancements are subject to an additional premium.

More reasons to choose Lifesure for self-converted campervan insurance

We've been providing campervan insurance for over 40 years, so we know how to find you a suitable policy. You'll also get superb customer service at Lifesure. It's why we've earned a 4.8 out of 5 Feefo rating* and the Feefo Platinum Service Award for five consecutive years.

Our award-winning team is on hand to help. Whether you need a new quote or want to change your existing policy, call us at 01480 402 460. You can also manage your policy and access documents through our MyLifesure online customer portal. Here, you can also securely message us and update your information.

*Correct as of November 2025

At Lifesure, we offer a range of insurance options to meet various lifestyles and vehicles. We partner with insurance companies such as AXA, Ageas, Allianz, Aviva and LV to help find a policy to suit your needs.

Explore our other insurance policies:

Insurance should be simple. That’s why we make payments easy with multiple payment options, such as instalments by financed direct debit, debit card, credit card, BACS, or bank transfer. You can also spread the cost to make payment more manageable—we work with Close Brothers Premium Finance to enable you to pay in regular instalments*.

Flexible payment dates, online account management, and credit agreement renewal can also make it easier to establish appropriate protection.

*We work with a third party company called Close Brothers Premium Finance Limited (‘CBL’), which manages instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to CBL and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with CBL. If CBL agrees to provide you with credit you will receive a welcome pack including a credit agreement from CBL, which you will need to sign and return to CBL. Please note that CBL has its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to CBL. Paying by monthly direct debit via CBL will cost more than paying by one off payment. As part of your premium finance journey, Close Brothers will provide you with a commission disclosure detailing the commission we earn. You will have 12 days to review this information and provide your consent. If you decide not to consent to the commission amount, Close Brothers will be unable to process your loan, and you will need to arrange to pay the balance in full.

Ways to pay

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Frequently Asked Questions:

Converted campervan insurance FAQs Here, you'll find answers to some common questions about self-converted motorhome and campervan insurance, which can help you better understand your cover options. Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

What insurance do I need if I have converted my campervan myself?

If you’ve converted your campervan yourself, you’ll likely need a specialist insurance policy that covers self-converted vehicles. This type of cover accounts for the unique risks associated with custom builds, such as the cost of materials, bespoke interiors, and modifications.

At Lifesure, our converted vehicle insurance provides flexible, tailored cover for those transforming vans into campers. Whether you’re in the middle of your conversion or have completed your dream camper, we can help. Get in touch for more information on policies suited to self-converted vehicles.

What insurance do I need if I have purchased a converted campervan second-hand?

When buying a second-hand converted campervan, it’s important to have insurance that covers all the modifications made by the previous owner. These could include additions like custom interiors, electrical installations, or structural changes.

Lifesure’s policies are designed to provide cover for second-hand converted vehicles, helping to offer you peace of mind as you hit the road. Contact us for more details or to discuss your options.

How do I reclassify my converted campervan?

To reclassify your vehicle from a van into a campervan =, you’ll need to meet specific criteria outlined by the DVLA. This typically includes adding fixed sleeping, cooking, and storage facilities. You’ll also need to provide photographs and evidence of the conversion work. Read our guide for a detailed look at how to navigate the reclassification process.

What modifications will affect my insurance premium for a self-conversion?

Certain modifications can impact your insurance premium. These may include:

Installing custom interiors, such as bespoke furniture or appliances.
Structural changes, like raising the roof or adding windows.
Upgrades to the engine or suspension for better performance.
Adding electrical systems like solar panels or leisure batteries.

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