Schneiderman Insurance Agency, Inc. Blog
How do you properly insure your campervan? If you own a converted campervan, this is the question that might have crossed your mind. Finding an insurance company for your converted campervan is difficult but it is not impossible. You just need to have a little bit of patience to find a knowledgeable insurance agent and the right planning to properly insure your converted campervan. In this article, we will tell you all the tips that you can follow during the process of insuring your converted campervan.
1. Insure your Van Before Converting It
First things first, insure the van once you purchase it. Although it is not directly related to the insurance process of your converted campervan, you should insure the van as soon as you purchase it, even though you will be having work done to it. This is a great way to protect your van against any damage or theft during the conversion process. This is a simple step of insuring your van just like normal auto insurance.
2. Talk to Your Insurance Agent in a Straightforward Way
While you are insuring your van before building it into a campervan, discuss your plans of converting your van into an RV with your insurance agent. There are chances that your insurance agent will help you afterward and you won’t need to find a new insurance agent for your converted campervan. Let them know exactly what you will be doing to the van and the costs associated with the conversion. Having the right insurance agent in the first place is key, not every insurance agent knows how to incure a campervan after the conversion has been completed.
3. Find a Local Insurance Agent
If you are having a hard time finding an insurance company to insure your converted RV, try asking the company that did your van conversion for who they recommend, odds are they have an agent of choice or a company they are familiar with that has worked with their other customers. The best way is to start looking for an insurance agent event before the conversion of your van. Discuss your ideas about how you are planning to convert your van and ask for their suggestion to make the process easier.
Your insurance agent will give you a better idea of the information you need to document during the van conversion process and they will also estimate the coverage needed and help you choose the best insurance policy for your campervan or Recreational Vehicle.
4. Be Fully Honest
While you are insuring your converted campervan, make sure you are informing your insurance company and/or insurance agent about all the modifications that are being made in your van. Don’t hide the fact that this will be a campervan and will have significant modifications, not being forthcoming about this may leave you without the proper coverage should you ever need to file an insurance claim for your campervan.
5. Keep a Record of Everything You Purchase
When you go to insure your converted RV the insurance companies will most likely ask for your purchase records so that they can estimate the current value of your converted Recreational Vehicle. The best way to keep a record of your purchases is to make an excel sheet and keep a record of everything you purchase (even screws and bolts) in this sheet. If you are using a professional van conversion company you will want to maintain the invoices the provide which makes it simple for both you and your insurance agent.
6. Take Before and After Photographs
Insurance companies will ask you for pictures of your van conversion as proof. For this purpose take before and after pictures of your van and show them to the insurance company. This step can even save you from a thorough inspection of your RV campervan. You’ll want photos of all four sides of your vehicle as well as images showing a cooking area and sleeping area.
7. Insure Your Personal Items
Recreational Vehicles insurance policies offer the ability to insure the contents of the vehicle and personal effects that travel with the campervan to be insued within the RV insurance policy. If you are a fulltimer, you will defiately want to consider this coverage, but even if you only use this vehicle for recreational purposed it is a good idea. Most homeowners have large deductibles and filing a homeowners insurance claim can cause your home insurance to increase, using your RV insurance to insue the contents such as your campig gear and clothing that travels with the campervan my be a better choice in the long run.
8. Emergency Expense Coverage
Traveling with your campervan can be quite convenient, but if your RV is disabled or involved in an accient you not only lose your mode of transportation, but also your sleeping quarters. Emergency expense coverage provides for funds to cover transportation and hotel costs if and when you are on vacation and your RV is disables due to a covered incident and you are more that a minimal amount of miles away from your residence.
No doubt that insuring your converted campervan isn’t the easiest insurance policy to find. Not every insurance company will be able to assist you, but with a little effort and following the above-mentioned tips you can do it. Just explore a little bit and look for the right insurance companies and agents that provide you with the best coverage and then make a decision.