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Volkswagen Transporter Campervan Insurance

Not only is the VW Transporter distinctive and recognisable on UK roads, it’s one of the best ways to explore the country. Whether you use yours for work or road trips, here’s what to think about when it comes to finding VW camper insurance you can rely on.

What does Volkswagen Transporter campervan insurance cover?

Like other types of vehicle insurance, policies for your Transporter will cover a number of different risks and incidents. Depending on the policy you choose, these could include damage, theft and vandalism.  

There are three different levels of cover to choose from:

• Third-party only – policies compensate other people for injuries or damage you cause but you won’t be compensated for damage to your Transporter. In the UK, this is the minimum level of cover you can have by law.
• Third-party, fire and theft – provides third-party only cover and will also compensate you if your Transporter is stolen or damaged by fire.
• Comprehensive – includes third-party, fire and theft, and will cover the cost of repairing or replacing your VW Transporter if it’s damaged in an accident. It’s also the highest level of cover you can buy.

What other features should I look for?

As well as the level of cover, when you’re taking out campervan insurance insurers will often offer a range of other features and add-ons.

If they aren’t included in a policy as standard, you’ll usually be able to add them on for a small fee. These features typically include cover for:

• Awnings
• Accidental misfuelling
• European travel
• Windscreen and glass
• Legal expenses
• Personal possessions and camping equipment.

What does the term ‘agreed value’ mean when insuring a VW Transporter?

An agreed value is the amount both you and your insurer decide your Transporter is worth. If your camper is written off or stolen, your insurer will pay out the agreed value instead of the market value of your Transporter – which could be significantly less.

Not all insurers offer an agreed value but if you’ve spent money and effort modifying or upgrading your camper, it might be an option worth looking for.

If you do have a modified camper (or you’ve imported one), specialist insurers are more likely to have experience in covering your needs. They may also offer features such as spare parts insurance which can help cover the cost of importing items.

Do I need VW Transporter camper insurance all year round?

Under the rules of continuous insurance enforcement (CIE), all vehicles in the UK must be insured at all times. The only exception is if you officially take your Transporter of the road with a SORN (statutory off road notification).

If you don’t have a SORN or appropriate VW camper insurance you can be fined and given six penalty points. In some cases, you could end up in court and even lose your driving licence.

Can I buy short-term VW Transporter camper insurance?

If you only use your VW Transporter a handful of times a year, you could opt for short-term or temporary insurance instead. Policies are flexible and you can choose the length of time you’re covered for. This can be as little as 24 hours up to a few weeks or months.

Although annual insurance is often cheaper per day, short-term policies can save you money if your Transporter is only on the road for a couple of weeks a year.

Remember – if you’re taking out temporary or short-term cover, you must make sure you have a SORN when it’s not in use.

How much does VW camper insurance cost?

Insurance premiums depend on a host of factors, such as:

• Your age – younger drivers pay significantly higher premiums than other age groups. This is because drivers under 25 are statistically more likely to be involved in an accident.
• Security – the more secure your Transporter, the more you can save on insurance costs.
• Mileage – if you’re on the road constantly and use your Transporter for day-to-day activities, you’ll pay more for your premium compared to someone who only uses it occasionally.
• Use – using your Transporter for work can push up your premium considerably as there’s a greater risk of damage or theft.
• Modifications – these can mean pricier premiums as your Transporter will cost more to repair or replace.

Ways to cut the cost of VW Transporter camper insurance

Price is an important factor but the policy you choose should give you the protection and peace of mind you need. That said, there are ways to lower premiums without compromising on cover, including:

• Paying for your policy in one go.
• Adding a more experienced, named driver to your policy.
• Increasing your voluntary excess.
• Limiting the number of miles you do.
• Only adding extra features if you really need them.

 VW camper insurance from trusted providers

At Quotezone.co.uk, we make it easy to find great value VW Transporter camper insurance. All you need to do is fill in our online form  and we’ll put you in touch with trusted and regulated insurers who can give you the cover you need.

As a 100% independent comparison site, we’ve helped more than three million people find a policy that’s right for them – why not join them?