How to Insure a Non-VASP Converted Van: Options, Risks, and Expert Tips

Living the van life means total freedom — traveling wherever you want, sleeping under the stars, and exploring at your own pace. But before hitting the road, there’s one crucial step that many van owners overlook: insurance for a non-VASP converted van.

If your vehicle isn’t officially registered as a “VASP” (Specially Equipped Motor Vehicle), your insurance policy may not cover your conversion work — or worse, could be void in case of an accident.

So, how can you properly insure a self-converted van that’s not VASP certified? Let’s break down your options, the legal risks, and how to find the right coverage for your DIY camper.

What Does “Non-VASP” Mean?

A non-VASP van is a vehicle that has been converted for living (with a bed, kitchen, storage, or electrical setup) without being officially certified by local authorities such as the DREAL in France.
VASP certification ensures the van meets safety, gas, and electrical standards. Without it, the vehicle remains legally classified as a utility van (CTTE) — not a motorhome.

Common reasons a van is not VASP-compliant:

  • Gas or electrical systems not meeting safety standards

  • Missing ventilation or fireproofing

  • Use of flammable materials

  • Improperly secured furniture or installations

⚠️ Warning: If your insurer discovers unapproved modifications after an accident, they may deny your claim. You could also be held personally liable for damages caused by unsafe installations.

Why Some Vanlifers Skip VASP Certification

Getting VASP approval can be costly, time-consuming, and administratively complex. That’s why many DIY van builders prefer to keep their vehicle as “non-VASP.”

✅ Pros

  • Lower upfront cost – no inspection or paperwork fees

  • Freedom to customize – modify layouts without restrictions

  • Simplified process – no need for technical documentation or inspections

⚠️ Cons

  • Harder to insure – fewer insurers cover non-VASP conversions

  • Legal risk – limited protection in case of accidents

  • Reduced resale value – most buyers prefer certified vehicles

Insurance Options for a Non-VASP Converted Van

Finding the right policy for a self-built, non-certified camper can be tricky. Here are your main options and what to expect from each.

1. Standard Car or Van Insurance

You can insure your van as a regular utility vehicle, but the conversion won’t be covered.

If your van catches fire or is stolen, your furniture, solar panels, or appliances won’t be reimbursed.

❌ Never hide your conversion from your insurer — that counts as misrepresentation, which can void your policy.

👉 Only consider this if your van is minimally modified and not used as a camper.

2. Specialized “Non-VASP Camper” Insurance

Some insurers now offer policies designed specifically for non-certified campervans, covering:

  • Third-party liability

  • Comprehensive coverage

  • Fire, theft, and vandalism

  • Custom interior and accessories

Most require that your setup meets basic safety standards (especially for gas and electricity).

💡 Compare quotes from specialized providers (e.g., Allianz, MAIF, or niche brokers). Premiums vary by driver profile and declared equipment value.

3. Home Insurance (Limited Option)

Some home insurance policies cover items stored in your van — but only when it’s parked at home.

This coverage doesn’t apply while traveling, camping, or in case of theft on the road.

🔎 Check your policy carefully. In most cases, home insurance is not suitable for full-time or travel use.

4. Working with a Specialized Insurance Broker

A vanlife insurance broker can save you time and money. They understand the nuances of insuring converted vans and can negotiate better deals.

🟢 Pros: Personalized advice, access to niche insurers, tailored coverage
🔴 Cons: May charge a service fee or commission

Tip: Search for “van conversion insurance broker” or “self-build camper insurance” in your region.

Key Points to Check Before Signing

When comparing insurance offers for your DIY camper, pay close attention to these elements:

💰 Declared Conversion Value

Keep receipts, quotes, and photos of your setup. This documentation helps you receive fair compensation after a claim.
Ask for a “new-for-old” guarantee if your build is recent.

🚐 Vehicle Usage

Be honest about how you use your van:

  • Personal leisure use

  • Professional/commercial purposes

  • International travel

  • Rental to third parties

Misstating your usage can invalidate your policy.

⚙️ Equipment Coverage

Declare all key equipment such as:

  • Solar panels

  • Auxiliary batteries

  • Gas systems

  • Heaters and fridges

Unlisted items might not be covered in case of theft or damage.

🔒 Security Measures

Adding an alarm system, GPS tracker, or secure parking can lower your premium.
Some insurers even require these for high-value vehicles.

Expert Tips for a Smooth Insurance Experience

  1. Assess your needs – define your budget, usage, and must-have guarantees

  2. Compare multiple quotes – use online comparison tools

  3. Be transparent – declare your setup honestly

  4. Get professional help – contact a van insurance specialist

  5. Update your policy – inform your insurer after each modification

Final Thoughts

Insuring a non-VASP campervan may seem challenging, but it’s absolutely possible with the right approach.
By understanding your van’s legal status, declaring your conversion accurately, and choosing a tailored policy, you’ll be free to travel safely and legally.

✅ The right insurance = peace of mind on the road.

Before setting off, take time to compare offers, request personalized quotes, and stay informed — the vanlife insurance market is evolving fast.