Insurance for converted van with no tax class change

chris crofter

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I couldn’t find the answer to this anywhere else on the forum.
My Sprinter is converted to a good standard but I do not plan to apply to have taxation class changed to motorhome. We prefer to keep it as a ‘stealth van’ - particularly up here in the north where white vanners have such a bad press (unjustified in most cases, but not all!)
Side windows were factory fitted so we have it insured as an unmodified van. I am aware that if we had a total loss, i.e. fire etc., we would not get anything like it’s value.
Does anyone know if there are insurers out there who will provide cover for us at a reasonable price?
Thanks.
Chris
 
I'm with AIB, but I have to try to get my logbook changed as part of the deal. Very reasonable tho....
 
Be wary of not disclosing 'permanent' modifications. I had a Citroen Dispatch for work and used to sleep in the van when working remotely. I fitted carpet lining, a leisure 12v system and a portable desk. I used a blow-up mattress to sleep on. However, several insurers deemed even those basic mods 'significant' and said that failure to declare could have rendered my insurance invalid.
 
Try Adrian Flux.....they are quite good with anything non standard.....but do tell them about any changes/modifications.
 
there are quite a few companies who will insure a van on a camper policy that has not be reclassified as a Motor Caravan, especially when DVLA started to act up and refuse conversions wholesale.
I used A-Plan on 3 of my conversions, two of which were reclassified later on, and one of which I told them I didn't want to change as it was a "Private Car" with a body type of "MPV" which suited me better than a "Motor Caravan" (need to check the details on the DVLA website to know the subtle advantages).
No probs at all.
 
Don't go speedin in a van, its not 70mph on A roads.

Avia less than £1 perday for me and her. Full comp. Van with extra windows
 
I found Brentacre to be excellent. Very knowledgeable and easy to deal with. Insurance cost £360 with an agreed valuation of £16,000 after the conversion was completed. (2014 Citroen Relay)
 
1 Cup said:
Don't go speedin in a van, its not 70mph on A roads.

Avia less than £1 perday for me and her. Full comp. Van with extra windows
Click to expand...
Thought This article explains the rules for speed limits fairly well. When our "Van with windows" was not changed to motor caravan by DVLA, they clearly stated that speed limits and insurance would not be affected by the V5 category. Although in practice, Saga refused to consider it unless classified as Motor caravan, all the other companies accepted it and quoted. A couple wanted pictures, one wanted the DVLA refusal letter, but no problem getting cover.
 
2 years in with AIB now, still not got my logbook changed but they said as long as I had proof that I'd tried to change the logbook they were cool. Think they realize how many applications are getting refused now....
 
Don’t understand how what’s on the logbook makes a difference to it being stealth or not? If it’s not a standard van and you live/sleep/camp in it it’s a camper van/motorhome/rv whatever. Not sure how they do horse boxes with both carrying and living space
 
GreggBear said:
2 years in with AIB now, still not got my logbook changed but they said as long as I had proof that I'd tried to change the logbook they were cool. Think they realize how many applications are getting refused now....
Click to expand...
Most specialist camper insurance company are taking this stance because of the sudden and irrational change of policy of DVLA, so getting insurance for a conversion that is a 'Motor Caravan' in all but name should not be hard or expensive (in fact usually cheaper than a standard van).
 
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