How Much Does Insurance Cost for a Campervan?
Campervan insurance can be confusing. Here's a clear guide to types of coverage, typical costs, and how to get the best deal.
Campervan Insurance: What It Costs and What You Need
Insurance is one of those topics that nobody finds exciting — but getting it right can save you thousands if something goes wrong.
Types of Coverage
Third-party liability (mandatory) Covers damage you cause to other people and their property. Required by law in every European country.
Third-party + fire & theft Adds protection against your van being stolen or damaged by fire.
Fully comprehensive Covers everything including damage to your own vehicle. Recommended for newer or more valuable vans.
Contents insurance Covers the interior build and personal belongings. Important for custom builds — a €20,000+ interior deserves protection.
Typical Costs
| Coverage Level | Annual Cost | |---------------|-------------| | Third-party only | €200–€400 | | Third-party + fire & theft | €350–€600 | | Fully comprehensive | €500–€900 | | Contents add-on | €100–€300 |
Prices vary based on:
- Vehicle value — higher value = higher premium
- Your age and driving history
- Country of registration
- Vehicle classification — cargo van vs. registered campervan
- Annual mileage
- Where you park overnight — secure parking reduces premiums
Cargo Van vs. Campervan Insurance
With a modular system, your van remains registered as a cargo vehicle. This often means:
- Standard commercial vehicle insurance rates
- No need for specialized campervan coverage
- Potentially lower premiums
With a custom build and campervan registration:
- Specialized campervan insurance is required
- Premiums may be slightly higher
- But contents coverage is more readily available
Tips for Saving on Insurance
- Compare quotes — use comparison sites and specialist brokers
- Increase your excess — a higher deductible lowers the premium
- Install security — immobilizers, trackers, and alarms can reduce costs
- No-claims bonus — build it up and protect it
- Pay annually — monthly payments usually cost more overall
- Accurate mileage — don't overestimate your annual kilometers
Important: Inform Your Insurer
Even with a modular system, tell your insurer about the conversion. Failing to declare modifications can void your policy. Most insurers are fine with it — they just need to know.
The Bottom Line
Budget €400–€900 per year for comprehensive campervan insurance. It's a necessary cost that protects your investment and gives you peace of mind on the road.
