If you are in the process of converting a van or similar vehicle into a motorhome then you may be wondering how to go about getting motorhome conversion insurance.
Finding someone who offers this type of cover may not be as straightforward as you might suppose, as there are some providers who prefer to stick exclusively to factory built and fitted motorhomes.
They may be very wary of insuring conversions, feeling that there may typically be too many risks involved.
Not everyone has this view though and there are a number of companies now offering motorhome conversion insurance.
A couple of general points to note:
- not all companies who are happy to insure conversions will provide cover for American vehicles, so it may be best to check this out at the start if your chosen model is from the USA; - you may have to wait until your conversion work is finished before arranging insurance cover as it may be difficult to find anyone willing to cover your conversion while it is still under way.
Before you start work
Obviously once finished, your motorhome has to be recognisably and legally a motorhome. For some insurers this may mean it should have a configuration providing;
- a certain internal configuration of seating areas and bed space; - facilities available for washing and cooking; - storage space for clothes and belongings.
Taking this into account for your alteration specifications may make finding motorhome conversion insurance much easier later on.
Once it is done
Once you have finished you may have certain responsibilities to re-register your vehicle as a motorhome.
In the UK there are different rules and regulations for motorhomes than for say a van (if that was your pre-conversion vehicle) speed limits and the class of MOT required are only a couple of examples.
So there may well be issues:
- legally if you try and drive your new motorhome if it is still officially registered as a van; - from an insurance point of view your motorhome conversion has very different insurance requirements to that of a van so driving your conversion with van insurance may not be advisable as the cover may be invalid; - you may have spent a considerable amount of money on your conversion, which may increase dramatically the insurance value of the vehicle.
While motorhome conversion insurance is not something all insurance providers are happy to supply, it is available out there and may not be as expensive as your pre-conversion cover.
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