What Modifications You Must Declare to Your Insurer
When you modify a campervan, you change its risk profile. Insurers need to know about modifications — but which ones? Here's what must be declared and what you can keep quiet about.
Why It Matters
If you don't declare a modification and then claim, your insurer can void your policy. They'll refuse to pay out, and you'll be left with the bill. But declaring modifications can also increase your premium. It's a balance.
Modifications You MUST Declare
Structural Changes
- Roof elevations (pop-tops): Changes the vehicle's height and profile
- Window additions: Adding windows where there weren't any
- Door modifications: Sliding doors, barn door conversions
- Body kit additions: Side bars, roof racks, bike racks
Mechanical Changes
- Suspension upgrades: Lift kits, upgraded springs
- Wheel changes: Larger wheels, alloy wheels
- Exhaust modifications: Custom exhausts
- Engine tuning: ECU remapping, turbo upgrades
Electrical Changes
- Solar panels: Added to the roof
- Secondary battery systems: Auxiliary batteries
- Inverter installations: Converting 12V to 240V
- Leisure electrics: Complete electrical systems
Gas and Water
- Gas system installations: Cookers, heaters, fridges
- Water systems: Tanks, pumps, plumbing
- Heating systems: Diesel heaters, wood burners
Modifications You Usually DON'T Need to Declare
Interior Fittings
- Furniture: Beds, cupboards, shelving (unless structural)
- Upholstery: Seat covers, curtains, cushions
- Flooring: Vinyl, carpet, wood effect
- Decor: Paint, wallpaper, stickers
External Accessories
- Awnings: Detachable, not permanent
- Bike racks: If they don't alter the vehicle's structure
- Roof boxes: Detachable storage
- Solar lights: Small, decorative lights
Technology
- Dashcams: Recording devices
- Sat navs: Navigation equipment
- Bluetooth adapters: Audio accessories
- Security alarms: Aftermarket alarms and trackers
How to Declare
Contact Your Insurer
Call or email your insurer and list the modifications. Get confirmation in writing.
Get a New Quote
Some insurers will want to requote. Others will just update your existing policy.
Keep Records
Save all correspondence. If you need to claim, you'll need proof that you declared the modifications.
What Happens If You Don't Declare
- Policy voided: Insurer refuses to pay out
- Premium increased: They may charge backdated premiums
- Legal issues: If the modification affects road safety
Conclusion
Declare structural, mechanical, and electrical modifications. Don't bother declaring interior fittings and detachable accessories. When in doubt, call your insurer — it's better to over-declare than under-declare.
