car camping insurance microcamper - Car camping & microcamper insurance in the UK - 6 important points to consider

Car camping & microcamper insurance in the UK – 6 important points to consider

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microcamper insurance

Insuring your microcamper can get tricky depending on the type of camping conversion you have opted for and also whether the insurance company you are talking to knows how to handle such cars. This post will give you important points to consider when selecting microcamper insurance and a list of user recommended insurance companies to choose from.

1. Van vs standard car

Before you buy a van version for your camping conversion, you should know how that decision will impact your annual costs and add more limitations to how you can drive.
Take the Berlingo – a very popular car for car camping conversions. If you take the family version (Multispace), you pay a lower car tax and insurance. If you take the van version, it’s easier to kit out with your own microcamping conversion (+ it has more room as it’s an empty box at the back), but you will pay a higher road tax + insurance and you have to adhere to lower speed limits.

“…all panel vans are taxed at the same rate, so whether you’re driving a small Citroen Berlingo, mid-sized VW Transporter or full-size Ford Transit, the tax you pay will be identical.”

Only go for a van if you don’t mind paying a little bit extra and want to have a permanent microcamping conversion. The advantage is that you can really experiment with storage, get the most of the space and build in your own electrics, sockets, lights.

If you prefer lower taxes and insurance and want to have a reversible microcamping conversion (a camping box / boot jump, or a simple DIY solution), then get a family version of the car. These aren’t considered a modification to the vehicle (as you only load them into the boot).

🏆Best cars for camping 🏆

Honda Odyssey 🇺🇸
3.8/5 ⭐⭐⭐⭐☆
  1. Fiat Doblò camper XL, High Roof 🇪🇺 4.0/5
  2. Honda Odyssey 🇺🇸 4.0/5
  3. Volkswagen Sharan 🇪🇺 3.9/5
  4. Caddy Maxi Camper (Life) 🇪🇺 3.8/5

See all cars in our database, their boot dimensions and more ➡️

More on van taxes in the UK in this article.

2. At what point is a vehicle considered a converted caravan?

“For a vehicle to be recognised as being converted to a motor caravan it must meet all 4 categories shown below.”

Category 1: Seats and table (1 example for both)

  • they shall be an integral part of the vehicle living accommodation area
  • table mounting must be permanent, but the table can be detachable
  • permanently secured seating must be fixed to the floor or sidewall and available for use at the table

Category 2: Sleeping accommodation

  • “shall be an integral part of the vehicle living accommodation area
  • can be either beds, or beds converted from seats
  • must be secured as a permanent feature, either with the base structure of the vehicle floor or to the side wall, unless the sleeping accommodation is provided over the driver’s cab compartment”

Category 3: Cooking facilities

Your conversion must have a minimum of a single ring cooking facility or microwave, which shall be secured directly to the vehicle floor or sidewall as a permanent feature.

Plus you need to have either an on-board fuel reservoir where the “fuel reservoir must be secured in a storage cupboard or the reservoir is secured to the vehicle structure” or a remote fuel supply where the “fuel supply pipe must be permanently secured to the vehicle structure“.

Category 4: Storage facilities

  • “can be a cupboard or locker
  • must form an integral part of the vehicle living accommodation, mounted independently of other items, unless incorporated below the seat, sleeping accommodation or cooker
  • must be secured permanently to the vehicle floor or side wall except when the storage facility is over the driver’s cab compartment”

See for more information.

Notice the key word being permanent in every category.

Therefore if it’s a camping box (boot jump) that can be easily taken out, it won’t be considered a converted caravan and won’t need a custom type of insurance. Of course, always verify with your actual insurance company – they might add their own rules on top of this. But if you consider any type of camping box / boot jump and how it’s held in place, it’s basically like transporting a small cupboard in your car – that wouldn’t increase your insurance cost, neither should a camping box.

But careful when you drill holes and screw something on temporarily – that might change how the car is viewed for insurance purposes.

These might come in handy...

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Pressure solar camping shower (pumped) – 10l

This camping shower is easy to transfer and doesn’t need to hang in the air – it has a built-in pump that lets you pressurise the chamber and shower or use it in the sink anywhere. It’s black, so the longer you leave it in the sun, the warmer the water will be (or just leave it in a hot closed car in the summer).

  • Lightweight: 870 g including the bag
  • 10 litre capacity | On/off button on the handle to prevent waste

4.2/5 stars
- Clean water tank up to 50 uses - tank capacity: 16 litres - a seat with antibacterial coating, a lid and a tank that prevents odours and mould

portable toilet £89.99 - BUY NOW
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Small, foldable and sits 4 with plenty of space for food preparation
foldable camping table and chairs BUY NOW
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3. Make sure your insurance covers both uses – camping / travel and everyday

There are various types of insurance categories and each covers a certain type of car use. Microcampers and DIY converted cars or everyday cars with camping boxes are usually used for both – leisure (long trips) and everyday use (i.e. commuting to work, shopping). Not all standard car insurances cover leisure or they might not cover the miles you can add on a long camping trip. Make sure you are straightforward with your insurance company in terms of what mileage you expect to do. Of course, you don’t need to shout about camping in the woods (which would probably increase the insurance price), but make sure that the insurance you are getting will cover you on a side road somewhere 1500 miles away from your home address.

4. UK only or EU?

Many UK policies will not cover trips to the EU – make sure you know what your policy covers (and plan accordingly). If you plan to do many EU trips, it might be worth paying for a more expensive annual insurance that will cover all EU countries and the UK. If you only plan to do one EU trip in the summer, perhaps single-trip insurance for the duration of the trip will be a more economical option.

5. Does your insurance cover the contents of your car (equipment)

If you’re just insuring a car for everyday commuting, the most expensive thing you’re carrying with you is probably your mobile phone or a laptop. But if you are going car camping, there will be more, for example:

  • a car awning / tent
  • a gas stove
  • a camping box / boot jump
  • a camera
  • an expensive kitchen conversion or a sink/stove combo

Make sure your insurance covers the contents of your car and also read the small print – what is the maximum insured value per item? What is the excess? Cheap insurance policies tend to have high excess, sometimes to the extent that it doesn’t make sense to claim a stolen item because the excess is too high.

6 person inflatable camping shelter air seconds base connect 11 - Car camping & microcamper insurance in the UK - 6 important points to consider
6-person inflatable camping shelter – air seconds base connect – £299.99

Don’t like fiddling around with poles? This inflatable car tent might be the right choice for you. The sheet + poles make joining it to your car even more flexible. It has two large openings on opposite ends, giving you a choice of which side you’ll attach to the vehicle. It fits most MPVs – tailgate or side-door, you can connect it from two ends

  • Height: 2.25 m (opening for tailgate 1.75m) | Floor area: 6.25 m2 (2.5×2.5m) | Comfortable for 6 people
  • Openings on 4 sides (2 suitable for a car) | but only 1 mosquito net
  • Weight 13kg
  • Easy installation: Rapid pitching thanks to its all-in-one inflatable structure (requires a separate pump though)
  • The fabric filters UV rays with a UPF of 50+, Waterproof, good quality – tested in long rain and strong winds, it holds up pretty well (relatively to the price)
Inflatable luxury for 6 people (3 bedrooms)
+ 170cm opening for any tailgate

Fits MPVs, SUVs, Bedrooms:140x210 cm | Stand-up living room:7,1 sqm with zipped basin groundsheet
Fresh fabric: reduces heat inside your tent in the sun

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SUP? Paddle for the entire family (max load 320kg)

Inflatable paddle board for any weight: less than 60 kg: ultra-stable board - 60 to 80 kg : very stable board - over 80 kg: ideal board for easily starting out

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6. Any no claim or club membership discounts?

Many policies offer a no-claim discount and some might even offer discounts if you are a member of a club, like for example the Camping and Caravanning Club.

Did I miss anything? Let me know in the comments section!

Recommended insurance companies by other campers

These insurers have been reported on car camping forums as good ones for microcampers or DIY car camping conversions and users report that these companies understand what a camping conversion is and can handle such types of insurance.


Know a good insurance company for microcampers? Let us know in the comments section!

Looking for standard travel insurance (health + accidents + luggage)? I use SafetyWing since 2018 and can only recommend it. They provide hassle-free travel insurance that is easy to order, no paperwork is needed and covers Covid-19 too.

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  1. Hi, great article. Quick question, related to this part:
    “But if you consider any type of camping box / boot jump and how it’s held in place, it’s basically like transporting a small cupboard in your car – that wouldn’t increase your insurance cost, neither should a camping box.”
    What I’m finding is that every car ins company is refusing to cover me (due to the camping bit, rather than the boot jump itself I believe). campervan ins companies are also refusing as it’s not a permanent camper. One specialist company has quoted, at three times the cost of insuring without the boot jump (adrianfluc) !! Any advice or recommended companies? Thanks G

    1. Hi G,

      As you write, each company will have its specific requirements and quirks. They try to get the best deal for them and catch you out on details.

      If they don’t like the camping bit – do you need to tell them? Would you tell them if you went camping once a year? No. Twice? Three times?

      It’s up to you, but if you’re clever about it, you should get standard coverage, without mentioning the camping bit. What is the difference between using the car to drive to a camping place and sleep in a tent and sleeping in the car? None. So whatever happens, you can always say you slept in a tent. Or you just drove to a forest for a day trip.

      They are trying to be too clever about camping, so should you 😉

      Of course, it depends on what kind of camping you’re doing – if it’s off-road, expedition-style, you should pay for proper insurance. If it’s a few weeks away with your car, then I don’t see why you’d need to mention that.