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Discussion Starter · #1 ·
Hi guys,

Could anyone tell me if the general campervan insurance that most companies offer actually cover the conversion as well as the van? Had a quote from Fluxdirect (Adrian Flux??), Staveley Head and Performance direct but theres nothing on their sites stating what the policy actually includes. Very frustrating, i'd want to cover the conversion too as most probably would.
 

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Hi guys,

Could anyone tell me if the general campervan insurance that most companies offer actually cover the conversion as well as the van? Had a quote from Fluxdirect (Adrian Flux??), Staveley Head and Performance direct but theres nothing on their sites stating what the policy actually includes. Very frustrating, i'd want to cover the conversion too as most probably would.
Brentacre are very good with this, they know how much these vans cost to convert and as long as you list all changes and have photos and receipts they will replace near enough like for like, our van was initially £13.5k as standard incl vat. but we have it insured for about £26k replacement value. It would still not be enough but some insurers do not tell you beforehand if something happens they will pay out only on the book value of a standard van so tread carefully......T:
 

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Discussion Starter · #3 ·
Brentacre are very good with this, they know how much these vans cost to convert and as long as you list all changes and have photos and receipts they will replace near enough like for like, our van was initially £13.5k as standard incl vat. but we have it insured for about £26k replacement value. It would still not be enough but some insurers do not tell you beforehand if something happens they will pay out only on the book value of a standard van so tread carefully......T:
That's exactly what i'm affraid of. I've a really low quote from flux at £307 for a 27k van, most others seem around £450 so i am sceptical. I've since called them and the opperative told me that it covers the camper as a motorhome conversion so in the event of fire for eg, the conversion is covered. I'd like to see this in writing though. :*
 

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I have used HIC who have offered me an agreed value for the van and conversion. It involves sending them photos and suggesting a price and they assess and agree back in writing what it's worth. They agreed mine without question which makes me think I should have upped the value I:
 

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Adrian Flux are brilliant. They will take everything into account and give you the time to complete your conversion. You also get a discount for being a forum member.
 

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I'm with Adrian Flux and I have an "agreed value" insured for my camper. I had to fill out 1 form and send them photographs of the van and then within 2 days they confirmed the new agreed value. It was all pretty easy. I'm sure a lot of the specialist insurance brokers/companies do this
 

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I'm with Adrian Flux and I have an "agreed value" insured for my camper. I had to fill out 1 form and send them photographs of the van and then within 2 days they confirmed the new agreed value. It was all pretty easy. I'm sure a lot of the specialist insurance brokers/companies do this

I'm interested in the phrase "agreed value".

Surely it cannot be a value they have agreed to pay out, so what does it mean?
 

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I'm interested in the phrase "agreed value".

Surely it cannot be a value they have agreed to pay out, so what does it mean?
It basically means that given the evidence I have supplied to them (pictures and written evidence including cost of conversion and every other modification) they have agreed that my camper is worth £13000 and if written off this is the amount they will pay out, USUALLY! :D here is their statement:

Is my value guaranteed in the event of a claim?
Good question. In theory, yes, and this will be the case in the majority of cases. After all, to give it its technical definition, “agreed value is an insurance contract under which the insurer agrees to pay the insured a stated amount in the event of the total loss of the property insured without any adjustment for depreciation or appreciation”.
However, in the event of a total loss – or possible total loss – insurers will want to inspect the vehicle to ensure that its condition at the time of the accident remains in keeping with that at the time of its agreed valuation.
 

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It basically means that given the evidence I have supplied to them (pictures and written evidence including cost of conversion and every other modification) they have agreed that my camper is worth £13000 and if written off this is the amount they will pay out, USUALLY! :D here is their statement:

Is my value guaranteed in the event of a claim?
Good question. In theory, yes, and this will be the case in the majority of cases. After all, to give it its technical definition, “agreed value is an insurance contract under which the insurer agrees to pay the insured a stated amount in the event of the total loss of the property insured without any adjustment for depreciation or appreciation”.
However, in the event of a total loss – or possible total loss – insurers will want to inspect the vehicle to ensure that its condition at the time of the accident remains in keeping with that at the time of its agreed valuation.
Thanks for the info - I find this topic very interesting.
 
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