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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.
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.
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?
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 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.
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.
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
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
*51% of consumers could save £581.67 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 June 2023. The savings you could achieve are dependent on your individual circumstances.