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Classic van insurance
A standard van insurance policy might not cut it for your vintage camper
How do I insure a classic van?
If you’ve got an old camper van you still use for little trips or a classic van you take to exhibitions, you might need extra coverage to keep it protected.
If you have a classic or vintage van, you can insure it under a classic car insurance policy. These policies are tailored to older vehicles, and can offer coverage the protects your van better than a regular car insurance policy would.
What’s considered a classic van?
Whether your van is considered classic can vary based on the insurer. Some insurance companies will say your van has to be 20 years or older, while others might only consider vehicles to be classics if they’re 25 years or more.
What types of classic van insurance are there?
You can get a policy that will cover you for:
- Personal or domestic use
- Business use
- Exhibitions and events
What does classic van insurance cover?
This will depend on the level of coverage you take out. Like new cars, classic cars need to have at least liability coverage to be legally on the road.
To protect your van against damage, you may also want to consider collision coverage, which pays for damage to your van after a car accident, and comprehensive coverage, which pays for damage to your van not resulting from a collision — like if it’s damaged by a storm or in a parking lot.
Compare insurers for your classic van
Extra coverage for classic vehicles to consider
Policies for classic cars can be customized to include:
- Agreed-value coverage. This means that you and your insurer agree on the value of the car ahead of time, instead of covering the car for its current market value. The value of classic cars can vary a lot based on condition, and a 25-year-old classic van in perfect condition is worth a lot more than an average old van.
- Salvage rights. Usually, if your car is totaled, your insurer pays you the cash and keeps the car to sell for scraps. But if you have the salvage rights, you can get the car back so you can repair it.
- Temporary van insurance. If your van spends 80% of the year sitting in garage, or if you only drive it a couple hundred miles per year, the cost of your coverage can reflect that.
- Coverage for modifications. If you’ve modified your classic van to increase its value or convenience, you can get coverage for the new modification. But you’ll need to let your insurer know about any custom work before your policy begins or you won’t be covered for damage to your customizations.
Classic van insurance exclusions
Your insurer can refuse to pay any claims if you:
- Fail to pay your premiums. If you miss your monthly or annual payment, the insurer might refuse to pay out on a claim.
- Drive recklessly or while drunk. If you drink and drive or are racing down the street, your insurer won’t foot the bill.
- Use the wrong fuel. Classic cars may require premium or diesel fuel, and your insurer might not pay for the damage if you use the wrong kind.
- Damage not included in your policy. An insurer most likely won’t pay for repairs if the damage is the result of wear and tear, mechanical failure or any damage not covered by your policy.
7 ways save on insurance for your classic van
To get the best deal on insurance:
- Shop around. Get quotes from several companies that cover classic vehicles before choosing a policy.
- Increase your deductible. This is the amount you agree to pay for any claim before the insurer starts paying out. If you willingly take on a higher deductible, then the premium will be lower.
- Secure your van. Fitting your van with a GPS tracker or alarm, or storing it in a secure garage, can help lower your premiums.
- Take advantage of discounts. If you don’t drive many miles, haven’t filed a claim in several years or have other insurance products with the same company, you may be eligible for discounts.
- Pay annually. Insurers often charge less if you pay for your full policy up front.
- Don’t let young drivers take the wheel. Refrain from having inexperienced additional drivers on your policy, as that will hike prices up.
If you have a classic van, make sure you choose an insurance policy that understands classic vehicles and can protect yours. To get the best deal, compare car insurers before choosing a policy.
Questions about classic van insurance
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