Custom van coverage
Custom van coverage is a specialized form of auto insurance that protects vans modified beyond factory specifications, such as camper conversions or wheelchair lifts. Insurers like Progressive and State Farm require documentation of modifications, including receipts and photos.
Custom van policies typically cover aftermarket parts–like custom paint jobs, sound systems, or raised roofs–up to stated limits (e.g. $5,000–$10,000). Standard auto insurance excludes most non-factory upgrades; only custom van coverage reimburses for loss or damage to these enhancements.
Premiums for custom van coverage increase based on the value and type of modifications; a $15,000 conversion can raise annual costs by 20%–30%. Claims adjusters verify declared modifications before payout; undeclared changes risk denial, as sourced from the Insurance Information Database.
Policies often exclude wear-and-tear items (e.g. tires) but include permanently installed features like cabinetry or solar panels. Owners must update their insurer after new upgrades to maintain full protection.
Custom van coverage applies whether the vehicle is used for personal travel or business purposes if disclosed during underwriting.
How can I insure a converted van?
A converted van can be insured by obtaining a vehicle insurance policy from an insurance provider. Vehicle insurance policies typically provide coverage for collision, comprehensive, and liability loss due to accident or theft. The policy will also include any necessary coverage for personal property contained within the vehicle in case of damage or theft as…
See also Custom vehicle coverage, and Customer acquisition.