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These days vans are more than just a vehicle used by construction workers or florists. People have become incredibly creative when it comes to changing their van.
From paint jobs to putting on a bike rack, a modification is any change you make to the van once it has been produced in the factory. So, if you think you might have to take out modified van insurance, we explain what it is and how you can cut costs on your premium too.
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In a nutshell, you’ll need to get this type of insurance if you’ve made any modifications to your van. Maybe you’ve whacked in a massive new stereo? Or you’ve fitted the interior with storage space, chairs or even beds?
Whatever the case, you may have to get tailored van insurance. Even if you don’t think it poses a threat on the road, your renovations might make your vehicle appealing to thieves. Or make your van more of a fire hazard.
Plus if you have an accident and you hadn’t told your insurer about any modifications, your provider might say your policy is void.
So it’s crucial you get insurance fit for purpose.
When insurance companies say “modifications”, they include the more blatant changes, such as putting in chairs or installing a new stereo.
However, there are more subtle modifications too, like fitting heavy duty locks. Here’s a general breakdown of changes insurers will want to know about:
No. Painting the van a different colour is hardly likely to change your premium, while some insurers aren’t fussed if you change the sound system or wheels.
Even if you are just painting your van green, you should still let your provider know just in case. Any changes you make to the machine’s performance will almost certainly affect your insurance premium though. If you tinker with the engine and make the van faster, for instance, then an insurer will probably see it as a higher risk on the road.
Plus a new paint job or fitting a bike rack on the van can make it more appealing to thieves. A rack, for instance, might suggest you’ve got expensive bikes stored inside.
Whatever the case, whether you’re putting advertising signs on the side of the van or changing its suspension, tell your provider.
If you’ve only made minor modifications, like putting on different wheels, then you can try and take out normal van insurance. Get some quotes online and ask the providers if they will cover your modifications – and what it will cost.
For any serious modifications, you might have to get specialist van insurance. Check out your options online or find one through a broker.
While it will charge a fee, you can be sure to find the policy suited to your van – whether you use it for cycling, surfing or just getting around.
Finding van insurance with a low deposit can help keep your upfront costs down, but may not be the cheapest option over the long term.
Find out if you can get van insurance with no deposit and the best ways to save money on your policy.
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