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Specialist campervan conversion insurance

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What is converted campervan insurance?

Converted campervan insurance is financial protection that can cover you and your vehicle, including all of the conversion—not just the van itself. Whether you’re insuring a self-converted campervan or you've had it professionally converted, you can cover your vehicle through Ripe so you can focus on enjoying spending time and visiting new places in your pride and joy.

A policy can include cover for traffic accidents, theft, accidental damage, or personal injury for you and your passengers. Campervan conversion insurance through Ripe has been designed specifically to make getting the protection you need quick, easy, and at a price we think you’ll love.

Why choose Ripe for campervan conversion insurance?

Build-your-own cover

The flexibility of our insurance gives you the freedom to choose your cover options and only ever pay for what you need.

DIY campervan conversion cover

If you’ve converted your van yourself, your self–build can be covered, provided the gas and electrical work is professionally installed or signed off.

For European adventurers

Fancy a roam around Europe in the comfort of your van? Add European cover for up to 90 days travel in one trip or 180 days in the year!

Campervan conversion insights and advice

Our ambassador, @vanlifewithluci, shares her experience with DIY Campervan insurance through Ripe.

Motorhome Matt talks to Mel, our Head of Underwriting Operations.

Motorhome Matt is impressed by our campervan & motorhome insurance.

Do you need specific insurance for converted campervans?

Motorhome and campervan insurance through Ripe covers professionally and DIY converted campervans and motorhomes, offering the same benefits of our standard policy, but it's tailored to cover your campervan conversion.

The only difference is that for a conversion, the DVLA has certain requirements your vehicle has to meet for it to be classed as a Motor Caravan. If the conversion doesn’t meet these requirements, it wouldn’t be classed as a Motor Caravan, and we wouldn’t be able to insure it.

How much does campervan conversion insurance cost?

The cost of your motorhome and campervan insurance can vary depending on various factors, such as:

  • the monetary value and age of your vehicle
  • your no claims bonus
  • where you live 
  • your annual mileage 
  • whether you have any additional drivers on your policy
  • what security measures you have in place
  • personal circumstances such as your driving experience and age

The quickest way to check how much your motorhome or campervan insurance could cost through Ripe is to get a free online quote.

What are the requirements for a converted vehicle to be classed as a campervan to be insured?

  • At least one permanently fixed bed within the accommodation of at least 6 feet (includes permanently fixed seats that can be folded down to make a bed)
  • The accommodation must contain fixed storage facilities, like wardrobes or cupboards
  • Fixed gas or electric-powered cooking or heating installations. (Any cooking or heating facilities must have been professionally installed in accordance with the manufacturer’s guidelines)
  • A permanently secured seating and dining area
  • A permanently fixed water storage tank or container
  • A separate door for access to the living accommodation
  • At least one window on each side of the accommodation of the vehicle
  • No bulkhead between the front seats of the vehicle and the accommodation.

For more information, you can visit the GOV.UK website.

What does converted campervan insurance cover?

Converted campervan insurance

What's covered
  • Public Liability cover - unlimited cover for death or injury caused to a third party. Up to £20m for third-party property damage, up to £5m for legal costs
  • Theft, accidental damage, fire, and flood cover
  • Equipment and accessories
  • New-for-old cover – for vehicles that are new, less than 2 years old, or have fewer than 12,000 miles, up to £120K in value
  • Emergency accommodation cover - hotel or replacement vehicle hire

For the full list of what's covered, view the important documents below.

What's optional
  • Enhanced windscreen cover
  • Personal accident - serious injury or death following an accident
  • Continental Europe - up to 90 days travel in one trip or 180 days in the year
  • Legal expenses - covers legal costs and expenses for personal injury, uninsured loss recovery, property infringement, property damage and identity fraud. You will also have access to a 24/7 legal advice helpline.
  • Key cover - loss, damage or theft up to £1.5k
  • Commuting use (Campervans only) – covers commuting to and from your place of work
  • Breakdown cover
What's not covered
  • Carrying more than 8 passengers
  • Claims made when renting out your campervan
  • Can’t be primary residence -or slept in for more than 9 months of the year
  • Vehicle being used for business and travelling or to or from your place of work
  • Claims where driver does not have a licence or is disqualified
  • A vehicle that isn't registered as a motorhome or campervan with the DVLA or doesn't meet DVLA's recommended requirements to be converted to a motorhome or campervan.
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Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

Frequently Asked Questions
  • Is campervan conversion insurance a legal requirement?

    • Motorhome or campervan insurance is a legal requirement if you drive your vehicle on public roads. If you keep your vehicle off the road permanently, then you can apply to the government for the insurance to be waived. However, you will still need to purchase insurance in the future if you take your motorhome or campervan onto public roads.

    How do you insure a campervan conversion?

    • Setting up a campervan conversion insurance policy through Ripe is quick to do. If you want to speed up the process of getting a campervan insurance quote, make sure that you have the following details to hand:

      • Driving licence

      Information on what type of licence you have and how long you’ve had it

      • Contact details

      Your name, age and address. You will also need the details of any other named drivers you want on your policy

      • Claims history

      Have you or other named drivers made any previous insurance claims?

      • Your campervan

      You will need to know the age, model and make of your campervan. Also the estimated mileage, what fuel it uses, where it’s kept and its current value.

    What modifications does a self converted campervan insurance policy cover?

    • As long as a vehicle meets the requirements to be considered a campervan or motorhome, we’ll cover most modifications.

    What modifications do I need to declare when taking out a policy?

    • You will only have to declare modifications that aren’t directly related to the conversion, such as modifications that impact engine performance, transmission or braking systems. For example, a cooker or wardrobe that had been added would be part of the conversion, so wouldn’t need to be declared. There is no need to declare cosmetic modifications.

Refer your friends and you'll both be rewarded

If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!

Find out more

Insurance you can trust

Over 400,000 policyholders choose Ripe for their cover

We've got over 20 years of designing the perfect insurance products for our customers and we're really pleased that so many of you stay with us year after year.

Award winning cover

We're really proud of the awards we've won over the years, particularly the ones voted for by our customers.

What do our customers say about us?

Content reviewed: 29th May 2025

Reviewed by: Dan Dawson

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