Cheap Modified Van Insurance

Modified van insurance, You could save up to £590One short form – save time & money

Don’t have your registration number? No problem, click here.

Search and compare cheap quotes from over 60 UK van insurance providers, including

Compare modified van insurance

Modified van insurance is a speciality type of cover used to financially protect the custom fitted vans used for social and pleasure, along with modifications for the professional to use in their commercial business. Each policy is tailored to fit the needs of the client and the modified van they have chosen to drive. Multi Quote Time can help, by providing multiple quotes for modified van insurance within the UK (including Northern Ireland)

What Is Considered A Modification To A Van?

Technically, any changes an owner does to their van may be classified as a modification. These changes can be to make the van more usable for the professional, more comfortable for travelling along with conversions to camper-vans. It is always advisable to inform your broker prior to making any changes and also declaring medications when seeking comparative quotes.

  • New electronics including sound systems, GPS, cameras, and sensors.
  • Any suspension changes including the raising or lowering of the chassis along with new suspension components.
  • The changing of the wheels and or the tires that includes anything that did not come from the factory including wider or skinnier tires and wheels along with changes of bigger tires and wheels in diameter sizes.
  • Performance enhancements including new chips for mapping the engines electronics, new and modified intake and exhaust systems.
  • The addition of any types of racks on the interior and exterior of the van.
  • The installation of new bulkheads, panels, cabinetry and closets on the interior.
  • The installation or removal of windows including sunroof and ceiling vents.
  • Exterior body panel modification including louvres over windows, steps, fender flares, spoilers and skirts.
  • Custom paint jobs and finishes including new chrome bumpers.
  • The adding or taking out of seats installed at the factory.

All the above are classified as a modification and increase the risk to the insurance company by either making the van more attractive to thieves and or increasing the value of the van. As a result, modified van insurance will be more expensive than standard van insurance. This makes it all the more important to compare modified van insurance quotes when searching for the best deal available on the market.

Are All Modifications Classified As High Risk?

We can share 2 modification that will not result in a higher premium and might actually reduce your insurance costs.  The first is the detailing of your business logo on the side of the van. A business logo on the exterior of the van will make t unique and easier to spot if it is stolen. Because of that, many insurance companies offer discounts if this modification is done.

Security modifications are also classified as a modification, but reduce the risk of the van being stolen. This includes immobilizers, alarms and GPS transponders. Many insurance companies provide discounts when these are installed.

What Level Of Modified Van Insurance Cover Do I need?

Similar to pay monthly car insurance, you can choose one of three levels of cover. Traditionally, third party only insurance would always work out the cheapest. This has changed as insurance companies were finding that those that took out the lower level insurance policy actually were making more claims and cost them more money in payouts. The reason being that higher risk drivers that include young drivers and convicted drivers find it hard to afford fully comprehensive insurance and opt for third party and THFT.

All vehicles on the road must have road risk insurance. This includes both those used commercially by professionals and vans used for social and pleasure. The three standard levels of road risk cover include Comprehensive, Third Party Fire and Theft and Third Party only.

Third party

Third party cover provides the minimum level of cover required by law. Third party policies pay out to cover the repair or replacement of other peoples’ vehicles, damage to other people's property, including injury or the death of any third party. This basic modified van cover will not cover the repair or replacement of your own vehicle following fire, theft or accident.

Third party Fire and Theft

This level of cover provides minimum third party cover, but will pay out for the repair of your own vehicle if it’s damaged by fire or for the cost of replacement if it’s stolen.


This level of cover includes all of the above but also, importantly, for any damage to your own modified van even if you were at fault. Fully comprehensive policies may also provide minimum third party coverage to a trailer or caravan being towed. However, all policies are different, and you may wish for more than third party cover for a valuable horsebox trailer or touring caravan, so read the terms and conditions carefully.

What counts as a van modification?

A van modification refers to any alteration or customization made to a van's original design or features (when it left the factory). These modifications can, range from a simple cosmetic changes or the addition of a tow-bar to extensive structural alterations, example converting to a day van or campervan.

  • Interior conversions: This involves transforming the interior space of the van to suit specific needs, such as installing custom shelving, cabinets, or storage compartments for camping, living, or work purposes
  • Electrical upgrades: Adding or enhancing electrical systems in the van, including installing solar panels, auxiliary batteries, inverters, or lighting systems.
  • Mechanical modifications: Upgrading the van's suspension, tires, or other mechanical components for improved performance or off-road capability.
  • Engine tuning :  mapping / reprogramming the engine control unit (ECU) or by installing a performance chip.
  • Accessibility modifications: Installing ramps, wheelchair lifts, or other features to make the van accessible to individuals with disabilities.
  • One Renewal Date
  • One point of contact for claims and adding or removing vehicles 
  • Discounts on additional vehicles
  • Leverage to negotiate of getting a better deal or other benefits, example enhanced cover, fat processing of insurance claims.

Will Modifications Increase the Cost of Van insurance?

It will depend on the modification, if the modification increases the security it should bring down the cost of modified van insurance, but in general they increase the cost of cover. Before making any mods, it is always worth checking with your insurance company first on the impact the change will have on the cost of insurance

If you are searching for cheaper modified van insurance, consider the following

  • Keep your modified van in a garage when not in use, or in the driveway with a locked gate.
  • Take out a limited mileage policy
  • Install additional security gadgets to both deter and help find the van should be stolen.
  • Join a campervan or classic van members club, doing so can sometimes cut insurance costs by up to 15%.
  • Avoid any driver business van insurance, whilst more flexible it will be more expensive than named only policy Pay for your insurance annually, whilst monthly van insurance is the preferred option it is normally slightly more expensive.
  • Pay for your insurance annually, whilst monthly van insurance is the preferred option, it is normally slightly more expensive.

Are there any add-ons that can be included in the policy?

Most add-ons to a policy require the level of cover to be comprehensive. A few of the following might be standard with some insurance firms that includes windscreen repair, courtesy van when the van is being repaired, personal injury cover, personal belongings and electronics cover.

The following add-ons can be included, but nearly always raise the cost of the premiums, but also provide peace of mind for many van owners. This includes breakdown cover, European cover, personal injury and legal protection, replacement vehicle if your van is stolen or written off after an accident along with good and tools cover.

Modifying a van is a big investment. The right level of modified van insurance is the type of financial protection needed to ensure your investment will last no matter what occurs on the road. To assist you in finding the right cover for you is van insurance quotes. More information on company van insurance is here and if you own more than one van then van fleet insurance quotes can be helpful.

Compare Modified Van Insurance  

  • Policies can be Tailored to your requirements
  • One short form – save time & money
  • Quotes from UK & NI insurance providers
  • Get tailored quotes in under 5 minutes
Modified van insurance

*51% of consumers could save £590.37 on their Van Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices
quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2023. The savings you could achieve are
dependent on your individual circumstances.

Scroll to Top