Vans are traditionally thought as to be commercial vehicles owned by businesses and tradesmen. But now, van enthusiasts are styling and modifying their vans to ensure they stand out from the rest or converting them, so they are fit to live in!

We have seen some very impressive van conversions that we still obsess over, but apart from the costs to actually convert these vans the modifications made can change your insurance massively! Just like cars, if you modify your van you could see an increase in your insurance because of a performance upgrade but usually it is down to adding windows, seating, beds and storage. Adding special features to your van or converting your van into a home will be sure to attract the attention of thieves.

What do Insurance Companies class as modifications?

Van modifications will affect your insurance if you change the van in anyway, here are some examples of modifications that will affect your insurance:

• Adding or removing windows.
• Adding or removing seating or storage.
• Changing your alloy wheels.
• Styling changes like adding body kits and spoilers.
• Altering audio or entertainment systems.
• Chipping the engine or changing the exhaust.

Specialist vans that are used for commercial use usually have different types of modifications that need declaring like:

• Refrigeration.
• Catering equipment.
• Tippers.
• Lifting equipment.
• Dog grooming or jet washing equipment.

If you are adding specialist equipment to your van or adding new features inside and outside the van will increase the value of your van and consequently increase your insurance.

How to get insurance for a modified van?

There are plenty of insurance companies who will offer you modified van insurance once you have declared any modifications you have made. If you fail to declare any modifications to your insurance company, your insurance may be void and if you find yourself involved in an accident you may not get a payout. Even if you have just added a window to the side of your van you still need to declare it to your insurance company, if you give them a call they will help you alter your insurance policy.

Modifying your van may be costly in terms of the price to do it and the increase in insurance but the pleasure of seeing your modifications will be worth it.

If you have made any modifications to your van show us through Facebook, we’d love to see our products fitted to your van!