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Modified van insurance
We might think of vans as work and utility vehicles only but lots of drivers choose vans rather than cars for their everyday runaround.
But vans often go beyond everyday vehicles and like with cars and motorbikes, there are dedicated van enthusiasts who take great pride in their Light Commercial Vehicles.
What is modified van insurance?
New spoilers, new paintjobs, modifications to seating in the rear and new alloys – whatever the change, modifications can improve your van’s performance and can increase your insurance premium.
So modified van insurance is essentially cover that takes modifications and alterations you or others have made to your van into account, tweaking the cost of your premium accordingly.
Do modifications increase your insurance costs?
Modifications to any vehicle, whether it’s a car, van or motorbike, will usually result in a more expensive insurance premium.
However, it’s not guaranteed that modifications will increase the cost of your insurance. Low-key changes probably won’t bump up your premium but you must still declare them to your insurer either way.
That’s right – if you or someone else has made modifications to your van, you must inform your insurer of any changes before you purchase a policy, no matter how small or large.
Why do modifications increase insurance costs?
Modifications increase insurance costs because non-security changes generally either improve a vans performance or make it more desirable to thieves.
It’s also usually more expensive to repair or replace a non-standard vehicle, so insurers must factor that in when calculating the premium price.
That being said, modifications to your van’s exterior can actually sometimes reduce your insurance premium. This is because if your van is immediately recognisable from the outside, it’s extremely unlikely to be stolen, as the thief would be easily caught.
Get modified van insurance with The Van Insurer
The Van Insurer compares modified van insurance quotes from some of the UK’s leading insurance providers.
That means you get to choose your insurance policy from a wide range of quotes because we do the shopping around for you.
Unfortunately, we can’t cater for every possible modification with just one form, which is why if you can’t find your van’s modification on our question set, you’ll need to phone up in order to get a quote.
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