High-top, Raising Roof and Fixed Roof Campervan Insurance
Comfort is pleased to be able to offer online quotations for insurance products for Hi-Top, Raised Roof and Fixed Roof Campervans - all built after 1992. This includes these types of campervans that have been converted by a registered campervan conversion business.
Select the icon below which shows your particular vehicle style, to get you the right policy for your vehicle and an instant online quote. If you are unsure which to campervan to select or you want to speak to someone about your cover please call 0800 0304 206.
We highly recommend you take out our specialist breakdown cover for only £62 to include on your annual policy. We provide this service in conjunction with the AA and DAS if you would like to know more on this policy and you can read more about it here.
Our Campervan Insurance Cover
Our range of campervan policies as a minimum, give 90 days of European travel cover. This may be enough to suit your needs, or we can provide a policy which includes 9 months of European travel cover, for those of you that use your vehicle for longer spells on the continent. This product is for vehicles manufactured from 1992 onwards. We can also cover pre-1992 classic campervans, professional conversions, Japanese imports and self or home built campervans.
Our campervan and motorhome policy wording is below if you wish to review our cover in detail.
Legal cover up to £100,000
12 months fully comprehensive cover in the UK
Comprehensive cover in Europe ranging from 90 days to 9 months
Personal belongings ranging from £1000 to £5000
New for old cover**
Unlimited windscreen cover
Fixed roof campervan insurance
A fixed-roof campervan is van conversion which doesn’t have a rising roof or a high-top. Fixed-roofs are becoming a rarer type of campervan, due largely to the fact that modern rising-roof campervans have gradually become lower in profile. Also known as self-build campervans, nature a scarcity of these models can mean that this type of campervan insurance is hard to come by, but you can rest assured that Comfort Insurance has you covered.
Why should I have fixed roof campervan insurance?
As with a regular campervan, a fixed roof model allows you the freedom to travel around without the hassle of having to wait for flights – not to mention any associated delays or cancellations - or have the hassle of transfer to and from expensive hotels. As you have your own cooking and sleeping arrangements all sorted, a campervan allows you to create your own adventure on a completely blank canvas.
The downside is that all that time spent on the road means there’s a greater chance of you being involved in an accident. Not only that, but campervans and their contents are desirable to thieves, making them vulnerable targets when left at the roadside or even on campsites.
That’s why it’s important to make sure your type of campervan is fully insured against all risks - specialist vehicles need specialist cover, so here’s how to run fixed roof and self-build campervan insurance quotes, to get the right cover for you.
What is a self-build campervan?
A self-build campervan is simply a van that has been converted into a campervan, and are particularly popular among mechanics who enjoy having the freedom come up with their own designs and layouts for their vehicles, as well as motorists who simply have a keen interest in campervans.
Self-build motorhomes usually also come with a fixed roof, as opposed to a pop-top or raising canopy. These are very specialised vehicles, and there is a set criteria that needs to be met for a camper to be classed as a fixed-roof self-build van:
- There must be a bed with a minimum length of six feet (the fixtures of the bed need to be securely fixed to the vehicle floor and/or vehicle walls)
- It must have a sliding side door or an outward opening side or rear door
- There must be at least one side window on the vehicle
- There must be a seating area for diners to sit around, such as a detachable or fixed table which has permanently secured seating which needs to be available for use at a table. (Said table must be mounted directly to the vehicle floor or the side walls of the vehicle and be secured as a permanent fixture, such as with bolts, rivets, screws or welding)
- There must be a permanent installation to house a water container (the vehicle must have an onboard on external water container – i.e. under the chassis)
- There must be cupboards or wardrobes
- The vehicle must have a gas or electric hob or a microwave. The gas and electric hobs must have a minimum of two cooking rings, whilst the microwave must have a power source
- There must be gas cooking facilities with remote fuel supplies and a gas supply pipe permanently secured to the vehicle structure.
Such specialist vehicles also need specialist insurance, and Comfort Insurance is pleased to be able to offer online quotations for insurance products for Hi-Top, Raised Roof and Fixed Roof Campervans - all built after 1992. This includes campervan conversion insurance for vans that have been converted by a registered campervan conversion business, and self build campervan insurance for DIY conversions.
Do I need self-build campervan insurance?
If you’ve converted a van into a campervan or built a vehicle from scratch, you’ll need to get the correct form of insurance. As stated on your V5C form (vehicle log book), a converted campervan is no longer classified as a standard van – and your insurance will need to be altered as a result.
Although this could mean you pay a higher premium than other campervan users, our self-build campervan insurance quotes are bespoke to your vehicle and circumstances - although the price is important, your main concern should always be to take out the correct cover for your particular vehicle.
It’s important that you let us know of any changes you’ve made to your vehicle - if not, any cover you do have will be invalidated. Similarly, if you bought a self-build campervan that had already been converted before you bought it, you must still declare that it’s a self-build to make sure you’re properly insured.
As with normal motorhome insurance, third-party is the minimum level of fixed roof campervan insurance you are required to take out by law. But you need to consider that this will only pay out for damages to other people’s vehicles and property, meaning you’ll have to foot the bill for any repairs to your van, which could leave you hugely out of pocket, and may even signal the end of the road for your campervan.
You should also be aware that any self-build campervan which is in the process of being converted, should be insured at the purchase price until the conversion has been fully completed. Once the conversion is fully complete, you will then be required to advise on what the new market value should be and also provide supporting purchase receipts as evidence to prove this.
If there are to be any additional premiums with the change of the self-build campervan once this information has been provided and processed, you will be made fully aware – this could also include an increase in the mandatory excess for certain claims.
And you’ll also need to declare any other modifications that have been made. If you have added alloy wheels, lowered the suspension, decided to put on barn doors, decals, a jacuzzi, extra windows, a captain’s seat, another cooker or anything that improves the look or performance of the van, let us know and we’ll adjust your premium accordingly. Again, failing to declare any modifications could see your policy invalidated.
How do I make a campervan insurance claim?
None of us ever want to have to make a claim on our insurance, but if the worst happens we’re left with no option. So it’s important to know that the claims process is as painless as possible - regardless of how much you are paying for your insurance, you want to be safe in the knowledge that if something goes wrong, you are able to make a claim for things you are covered for as quickly and as simply as possible.
So, whether your claim relates to an accident you have had with the self-build campervan if you have been the victim of a fire or damage to it or it has been stolen, you should get in touch with us as quickly as you can with as much information as possible.
If there has been a theft, you should report this to the police immediately. They will issue you with a crime reference number, which you will be able to give to your insurer to speed things up when processing the claim. To find out more about making a claim, including the number to call, go to our claims page.
How to take out campervan insurance
If you’re in the process of converting your van into a camper, you’ve just bought a fixed roof campervan, or your current campervan insurance is coming up for renewal, you’ll need an insurance policy that covers every eventuality, as well as all your possessions and fully insured whether it’s being kept on the drive or driving around Europe.
To find the right policy to suit your needs, give our insurance experts a call on 0800 0304 206.
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*As of the 17th July 2018 Aviva clarified that 99.6% of all claims were paid out.
** You will receive new for old cover on your vehicle as long as you are the first registered owner and keeper, the vehicle is 3 years old or younger or within its 15,000 miles. Whatever comes first.