Classic van insurance

A standard van insurance policy might just not cut it for your vintage camper.

Whether you’ve got an old camper van you still use for little trips or you have a classic van you take to exhibitions, you might well need more than just a standard insurance policy.

In this guide we look at when you need to take out a classic van insurance deal and what it will cover.

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What is classic van insurance?

Classic van insurance is a type of policy that is specifically made to cover vintage vans or vans of a certain age. You might have to take out this kind of insurance deal if your van is over a certain age

What is considered as a classic van?

Whether your van is considered classic completely depends on the insurer.

So you’ll need to ask the provider whether it will give your van this specialist type of protection.

For instance, some insurance companies will say your van has to be 20 years or older, while others might be stricter and only give a classic van policy if your vehicle is 25 years or more.

What types of classic van insurance are there?

How much protection you get will depend on the type of policy you take out for your classic van. First, you’re going to have to get a policy that will cover your reasons for using the van.

  • Personal or domestic use
  • Business
  • Exhibitions and events

What does classic van insurance cover?

This will depend on the level of cover you take out. If you only get third party van insurance, then it will only pay for damage you do to someone else, their vehicle and their property.

Likewise, a third party, fire and theft policy will only cover damage or injury to a third party and their property as well as any damage to your van that happens as a result of fire or someone stealing it.

If you are after greater levels of protection for your classic van, then it would be wise to take out a fully comprehensive insurance policy, which will offer the following:

  • Third party cover
  • Fire and theft damage cover
  • Accidental damage cover
  • Third party EU cover

Classic van insurance extras

On top of your basic level of classic van cover, you can get additional protection for your van. Extra insurance policies you can get for your van include the following:

  • Breakdown cover. Given the age of your van, breakdown cover might be wise. This way, if something happens, you can get your vehicle repaired or towed to a nearby garage.
  • Legal cover. If you need to take a driver who has heavily damaged your van to court, then legal cover will help you out.
  • Courtesy van cover. While your van is in the repair shop, a courtesy van could be a massive benefit should you use it on a day-to-day basis.
  • Goods and tools cover. Get your gear covered should it be stolen or damaged in a road traffic accident, fire or theft.
  • Windscreen cover. Should your windshield get damaged, this will pay to replace it.

Classic van insurance exclusions

  • Fail to pay premium. If you miss your monthly or annual payment, the insurer might refuse to pay out on a claim.
  • Modifications. You need to tell your insurer about any modification to your van. Failing to do so could void your policy.
  • Drunk or reckless behaviour. Take someone on in a race on the motorway or drink and drive, and the insurer will void your claim.
  • Wrong fuel. Pay close attention to which fuel you need for your classic van as an insurer might refuse to pay for repairs caused as a result of you putting in the wrong fuel.
  • Hazardous goods. The insurance provider won’t pay for damage caused by any hazardous goods you are transporting in your van.
  • Wear and tear. An insurer most likely won’t pay for repairs if the damage is the result of years of wear and tear.
  • Internals problems. If your van breaks down due to mechanical or electrical problems, then the insurer might refuse to pay out.

7 ways save on your classic van insurance

1. Shop around. Compare all the classic van deals out there and find one that offers you the level of coverage you need. If you have an expensive van and the parts are going to be expensive to replace, it might be wise to get a fully comprehensive deal.

2. Voluntary excess. This is the amount you agree to pay for any claim before the insurer starts paying out. If you willingly take on a higher excess, then the premium will be lower.

3. Low mileage discounts. Some companies will give you cheaper classic van insurance deals if you prove you rarely use it.

4. No claims bonus. If you drive responsibly and avoid making a claim, you will build up a no claims bonus that will cut the cost of your premium.

5. Make the van secure. Fitting your van with a tracker, van alarm or immobiliser can convince the insurer that your van is harder to break into and steal, and so a lower risk. Putting your vehicle in a secure place at night like a garage can help lower your premium too.

6. Pay annually. Paying in a yearly lump sum is cheaper than doing it in monthly instalments as insurers tend to charge interest.

7. No young drivers on policy. Refrain from having inexperienced additional drivers on your policy as they will hike prices up.

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