This is the highest level of cover and includes all the benefits of the other two types, plus it covers accidental damage to your campervan, even if the accident was your fault. 

If your campervan is a classic model (often defined as pre-1992), you may be able to get specialist classic campervan insurance. 

If you are converting a van into a campervan yourself, you’ll need specialized self-build campervan insurance. 

The amount of mileage you expect to do with your campervan and how you use it (e.g., daily driving vs. leisure trips) can affect the cost of your insurance. 

Some policies offer European cover as standard or as an optional extra, which is useful if you plan to travel abroad. 

You may also want to consider adding breakdown cover to your policy, especially if you plan to travel long distances or in remote areas.

• Third-party only: This is the minimum legal requirement in the UK. It covers damage or injury caused to other people, vehicles, or property but doesn’t provide protection for your own campervan.
• Third-party, fire and theft: This level extends the basic coverage to include protection if your campervan is stolen or damaged by fire, in addition to the third-party coverage.
• Comprehensive: Offering the highest level of protection, comprehensive insurance covers all of the above, plus accidental damage to your own campervan, vandalism, and other specified risks, even if the accident is deemed your fault. 

• Your personal circumstances: Your age, driving experience, claims history (including any no claims bonus), and even your occupation can influence your premium. Younger or less experienced drivers, for instance, may face higher costs.
• The campervan itself: The make, model, value, and age of your campervan all play a role. Expensive or classic models, or those with pricier repair parts, are likely to attract higher premiums.
• Modifications and conversions: If you’ve modified or self-built your campervan, this can impact the cost. Extensive modifications or a custom build may require specialist coverage and could lead to a higher premium. Insurers will consider the value added by modifications and potential repair costs when determining the price.
• Usage: How often you use your campervan (e.g., daily driver, occasional trips) and your annual mileage will affect the premium. More frequent use or higher mileage generally means higher premiums.
• Location and storage: Where you live and where you store your campervan can impact the cost, with areas experiencing higher crime rates potentially leading to higher premiums. Secure storage (e.g., in a garage versus on the street) can help reduce the risk and potentially lower your premium.
• Security features: Investing in security features like alarms, immobilisers, or tracking devices can not only enhance the safety of your campervan but may also result in discounts on your insurance premium. 

• Personal belongings: Policies often include coverage for your belongings stored within the campervan, such as camping gear, electronics, and furniture. Ensure the coverage limit is sufficient for the value of items you carry.
• Modifications and conversions: For those who have converted a van into a campervan, specialist policies can cover the value of the conversion and its specific features, like fitted kitchens and sleeping areas.
• Awnings and generators: Coverage for attached awnings (including storm or accidental damage) and generators can be included in some policies.
• European cover: If you plan to embark on European road trips, look for policies that include European travel coverage to ensure protection abroad.
• Breakdown assistance: While not always mandatory, having breakdown cover is highly recommended. Specialist breakdown cover for campervans can offer comprehensive assistance, including roadside repair, recovery, and even onward travel options, especially important for larger or heavier vehicles that may not be covered by standard breakdown policies. 

• Compare quotes: Don’t settle for the first quote you receive. Use comparison websites or contact various providers directly to compare policies and costs.
• Review policy details carefully: Ensure the policy adequately covers your specific needs, considering the value of your campervan, your typical usage, and any modifications or valuable belongings you carry.
• Maintain a clean driving record: Practising safe driving habits and avoiding claims can help reduce your premiums over time.
• Consider increasing your excess: Opting for a higher voluntary excess can sometimes lower the overall premium, but ensure you can comfortably afford to pay the excess amount if you need to make a claim.
• Utilize security features: As mentioned, alarms, immobilisers, and trackers can be beneficial both for peace of mind and potentially reducing your premium.