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Flexible insurance for your converted campervan or motorhome

Protection for your open road adventures

  • Build your own policy
  • Discount available
  • UK customer service team
  • Underwritten by ERS

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What is converted campervan & motorhome insurance?

Converted campervan insurance is financial protection that covers you when your vehicle is parked up or on the road. A policy can include cover for traffic accidents, theft, accidental damage, or personal injury for you and your passengers.

Whether you’ve converted your campervan or motorhome yourself or had it professionally converted, you can cover your vehicle through Ripe so you can focus on enjoying spending time and visiting new places in your pride and joy.  

Why choose Ripe for campervan conversion insurance?

The freedom of flexible cover

The flexibility of our insurance gives you the freedom to choose your cover options and only ever pay for what you need.

Simplicity is the key

We’ve made sure everything’s taken care of, with automatic checks including driving licence validation and claims experience, resulting in a speedy online quote and buy process.

Conversions covered

If you’ve been creative and made your home on wheels your own, cover can be provided for DIY conversions too.

What does campervan and motorhome insurance cover?

What's covered

  • Public Liability cover - unlimited cover for death or injury caused to a third party. Up to £20m for third-party property damage, up to £5m for legal costs
  • Theft, accidental damage, fire, and flood cover
  • Equipment and accessories
  • New-for-old cover - for a new, less than 2 years old or fewer than 12,000 miles
  • Emergency accommodation cover - hotel or replacement vehicle hire

What's not covered

  • Carrying more than 8 passengers
  • Claims made when renting out your campervan
  • Can’t be primary residence - or slept in for more than 9 months of the year
  • Vehicle being used for business and travelling or to or from your place of work
  • Claims where driver does not have a licence or is disqualified
  • A vehicle that isn't registered as a motorhome or campervan with the DVLA or doesn't meet DVLA's recommended requirements to be converted to a motorhome or campervan.

What's optional

  • Enhanced windscreen cover
  • Personal accident - serious injury or death following an accident
  • Continental Europe - up to 90 days travel in one trip or 180 days in the year
  • Legal expenses - covers legal costs and expenses for personal injury, uninsured loss recovery, property infringement, property damage and identity fraud. You will also have access to a 24/7 legal advice helpline.
  • Key cover - loss, damage or theft up to £1.5k
  • Breakdown cover

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Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

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Do you need specific insurance for converted campervans?

Motorhome and campervan insurance through Ripe covers professionally and DIY converted campervans and motorhomes, so you can get the same benefits of our standard policy, without having to take out a specific insurance policy.

The only difference is that for a conversion, the DVLA has certain requirements your vehicle has to meet for it to be classed as a Motor Caravan. If the conversion doesn’t meet these requirements, it wouldn’t be classed as a Motor Caravan, and we wouldn’t be able to insure it.

What are the requirements for a converted vehicle to be classed as a motorhome or campervan to be insured?

  • At least one permanently fixed bed within the accommodation of at least 6 feet (includes permanently fixed seats that can be folded down to make a bed)
  • The accommodation must contain fixed storage facilities, like wardrobes or cupboards
    Fixed gas or electric-powered cooking or heating installations. (Any cooking or heating facilities must have been professionally installed in accordance with the manufacturer’s guidelines)
  • A permanently secured seating and dining area
  • A permanently fixed water storage tank or container
  • A separate door for access to the living accommodation
  • At least one window on each side of the accommodation of the vehicle
  • No bulkhead between the front seats of the vehicle and the accommodation.

For more information, you can visit the GOV.UK website.

Refer your friends and you'll both be rewarded

If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!

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How much does converted campervan & motorhome insurance cost?

The cost of your motorhome and campervan insurance can vary depending on various factors, such as:

  • the monetary value and age of your vehicle
  • your no claims bonus
  • where you live
  • your annual mileage
  • whether you have any additional drivers on your policy
  • what security measures you have in place
  • personal circumstances such as your driving experience and age

The quickest way to check how much your motorhome or campervan insurance could cost through Ripe is to get a free online quote.

Frequently Asked Questions
  • Is motorhome or campervan insurance a legal requirement?

    • Motorhome or campervan insurance is a legal requirement if you drive your vehicle on public roads. If you keep your vehicle off the road permanently, then you can apply to the government for the insurance to be waived. However, you will still need to purchase insurance in the future if you take your motorhome or campervan onto public roads.

    How do you insure a campervan conversion?

    • Setting up a campervan conversion insurance policy through Ripe is quick to do. If you want to speed up the process of getting a campervan insurance quote, make sure that you have the following details to hand:

      • Driving licence

      Information on what type of licence you have and how long you’ve had it

      • Contact details

      Your name, age and address. You will also need the details of any other named drivers you want on your policy

      • Claims history

      Have you or other named drivers made any previous insurance claims?

      • Your campervan

      You will need to know the age, model and make of your campervan. Also the estimated mileage, what fuel it uses, where it’s kept and its current value.

    What modifications does a policy cover?

    • As long as a vehicle meets the requirements to be considered a campervan or motorhome, we’ll cover most modifications.

    What modifications do I need to declare when taking out a policy?

    • You will only have to declare modifications that aren’t directly related to the conversion, such as modifications that impact engine performance, transmission or braking systems. For example, a cooker or wardrobe that had been added would be part of the conversion, so wouldn’t need to be declared. There is no need to declare cosmetic modifications.

Motorhome & Campervan Guides

Motorhome and campervan blog

Motorhome and campervan expert tips, advice and guides

You’ll find all of our blogs and guides including DIY, travel tips and everything you need to know when hitting the road, or parking!

Motorhome & campervan blog

Campervan conversion on a budget

Guide to converting your campervan on a budget

Explore our guide on converting your campervan, including what to consider, what you might need for your conversion and how to do it all on a budget.

Read our campervan conversion guide

Why choose us?

  • Specialists at your side

Not only are we insurance specialists, but should you need to make a claim, you can be confident it will be handled by a team of motorhome and campervan specialists at ERS.

  • We’ve got lots of happy campers!

Ripe is rated Excellent on Trustpilot and we’ve also got over 350,000 customers who choose us for their insurance.

  • Only a call away

Feel comforted knowing that if you need us at some point on your journey, our UK based team are only ever a quick call away.

  • Save on price not quality

As well as getting flexible and specialist cover, there are also discounts available to help protect your pocket too!

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What do our customers say?

Content reviewed: 16th January 2025

Reviewed by: Dan Dawson

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