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Tip: Think about the type of goods you will be taking. Some items may need special insurance.

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Modified vans are becoming more common across the UK. Tradespeople add storage units and shelving for tools. Catering vans fit refrigeration units and power points. Delivery drivers add tail lifts for heavy goods. Families convert vans into campervans or add more seats. Some van owners enhance engine performance, while others add alloy wheels, wrap the bodywork, or install parking sensors.

Every type of modification — whether cosmetic, performance-based, structural, or for business use — changes how the van is valued, how it performs, and how much it costs to repair. This is why modified van insurance matters. A standard van insurance policy only covers the vehicle in original condition. If modifications are not declared, an insurance company can refuse a claim even if the incident is not your fault.

Modified van insurance protects the van as it is today, not how it left the factory. It can offer cover for upgraded engines, additional seats, exterior styling, audio improvements, wheelchair ramps, tail lifts, refrigeration systems, shelving, racking, body kits, and more. The right insurance provider can give peace of mind by covering specialist parts, labour, and expensive repairs if something goes wrong.

Many van owners compare van insurance to find the right level of protection without paying more than they need to. This is especially important for modified vans because prices and cover can vary widely between insurers.

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What counts as a modification for a van insurance policy?

Insurance providers define a modification as any change from the manufacturer's standard specification. Some modifications increase value. Others increase performance or risk. All must be declared on a van insurance policy.

Common modifications include:

Type of Modification Examples
Performance Engine remaps, uprated exhaust, turbo upgrades
Cosmetic Alloy wheels, body kits, paint wraps, tinted windows
Safety / tech upgrades Parking sensors, dash cams, reversing cameras
Business conversions Storage space, shelving, workshop fittings
Accessibility upgrades Wheelchair ramps, hand controls
Catering conversions Refrigeration units, gas-powered cooking systems
Campervan conversions Beds, kitchen units, extra seats, solar panels
Trade equipment Tail lift, tool racking, power inverter

If you do not tell the insurer about a change that has been made, and they find out when you make a claim, the insurer can:

  • You will pay just the amount for the van in its original condition.
  • The payout will be reduced.
  • They might refuse the claim altogether.

Declaring modifications protects you.

Why can modified van insurance cost more than standard van insurance?

Insurance premiums for modified vans can go up because:

  • If you get parts that are not standard, they can cost more to fix or switch out.
  • If you make your van perform better, you may raise the chance of having an accident.
  • If your van has alloy wheels or new bodywork, it can make your van more likely to get stolen.
  • Some vans might cost more to wrap again or paint after you get it fixed.
  • If you add extra seats, it can make personal injury claims cost more.

Insurance costs depend on what things cost in real life. In the UK, vans that have been changed from how they came from the factory usually have higher van insurance prices. This is because these vans need special parts and extra work to fix them.

Average price ranges (2024–2025):

Van Type Typical Annual Insurance Cost
Standard van insurance £650 – £1,050
Modified van (cosmetic) £850 – £1,350
Modified van (performance upgrades) £1,050 – £1,900
Modified van (full business conversion) £1,150 – £2,300
Campervan conversions £950 – £1,950

Actual prices will be different for each person. They change based on things like your driving history, business use, annual mileage, storage location, and level of cover.

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What levels of cover are available for modified vans?

Van insurance providers offer the same core levels of cover as standard van insurance — but they factor in the value and risk of modifications.

Level of Cover What It Includes Best For
Third party Covers damage to other vehicles and property only Basic legal requirement
Third party, fire and theft Third party + fire and theft protection Vans with stored equipment or styling upgrades
Comprehensive cover Covers your van and others, including accidental damage Most modified vans, especially expensive conversions

Comprehensive cover is a top choice for people with modified vans. That is because the repairs cost more than fixing regular factory-standard vans.

What levels of cover are available for modified vans

Does modified van insurance cover business use?

Yes. Many modified vans are used for business purposes, including:

  • Tradespeople who need custom storage space.
  • Caterers and van with food.
  • Delivery drivers who use tail lifts.
  • Dog groomers needing water heaters.
  • Mobility transport vans, with wheelchairs and ramps.

Business van insurance makes sure the policy is good for you if you drive to more than one place and take tools or goods with you. If you get paid for taking things, you might need carriage of goods or hire and reward.

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What optional extras are useful for modified van insurance?

Optional extras can help protect things you add to your car that cost a lot. They can also lower the time your car is not in use if you need repairs.

Optional Extra Benefit
Breakdown cover Faster recovery to avoid cancelled jobs
Courtesy van Keeps your business running during repairs
Tools and equipment cover Protects specialist trade equipment
Legal expenses Helps pay legal costs after an incident
Windscreen cover Useful for vans with wrapped or tinted glass
Personal accident cover Covers injury to the driver
Replacement locks cover Higher risk due to tool storage
Uninsured driver cover Protects your claims bonus

Owners of a modified van often pick more than one extra. This is because there be more value in the parts and what comes with these vans.

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How to reduce modified van insurance costs

How to reduce modified van insurance costs

You can still get a competitive van insurance quote even with modifications. Here are common ways to lower the cost of your insurance:

  • Declare all changes to the van at the start
  • Install alarms, trackers, and security parts that are allowed
  • Keep the van in a locked garage or safe yard
  • A dash cam can help you with your claim if needed
  • You can pick a bigger voluntary excess if you feel you can pay it
  • Paying for the year at once is better since you will not pay extra interest
  • Compare van insurance quotes from more than one insurance provider

Comparing van insurance for a modified van is one of the best ways to cut insurance costs. You can do this without lowering the protection you get. This lets you save money and still feel safe on the road.

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Does modified van insurance cover campervan conversions?

Yes, you can do this if you show all the details about the conversion. This means:

  • Extra seats
  • Kitchen units
  • Electrical systems
  • Beds
  • Solar panels
  • Swivel seats

Some insurance companies may ask you for photos of the conversion or an engineer’s report. If you do not give these documents, it can slow down your claim or you may get less money.

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Can I switch to modified van insurance mid-policy?

Yes, when you switch from standard to modified van insurance, the insurer will update the van insurance policy. They will count in all changes made to your van and work out a new price based on those changes. If you try to make a claim before telling them about changes to the van, the insurance policy can turn invalid.

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FAQs About Modified Van Insurance

Yes, for most people, this is true. Repairs and getting new parts can cost a lot. Because of this, insurance premiums will often be higher.

Yes. You need to tell your insurance provider about any changes to your car, even if you put on alloy wheels. This is important so your claim will not get refused.

Yes, you can do it, but you must say so first. If you make your car better at driving, it can make the cost of your insurance higher.

Yes. Alloy wheels, paint wraps, and body kits can be part of your cover if these things are in the insurance policy.

Yes. You can get business van insurance for a van that you use for trade jobs, food work, taking things to people, or doing other special services.

No, the tools insurance does not get added on its own. You have to include it if you keep your work tools or gear inside your van.

Yes. You can get campervan insurance, but you may have to show photos or let them check the work you did on your campervan.

Yes, you can have changes like wheelchair ramps and hand controls on your policy. You only need to say what these changes are when you set up your policy.

Yes. You can change your van insurance provider when it is time to renew. Many people get a better deal by looking at modified van insurance quotes. This could help you find a cheaper price. Comparing new van insurance quotes for your modified van is a good idea.

Yes. You can get temporary car insurance and van cover. These are good if you need insurance for just a short time.

Yes, every van that can be used on the road must have at least third party insurance. If your van has any changes or special parts, you need to let the insurer know about them. If a change is missing from your insurance policy, they can say no to your claim. If your van is used for any business use, you must make sure this is included in the insurance policy too.

Yes. Modified van insurance can protect both campervan upgrades and business conversions such as shelving, tail lifts and refrigeration units, as long as they are listed on the insurance policy.

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Page last updated on: 28/11/2025

Page reviewed by: Tim Bailey

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