Modified Van Insurance

Make sure your modified van is covered by your insurance

rated 5 star defaqto rated 5 star defaqto

5 Star Van Insurance from Admiral

5 Star expert rated Van Insurance from Admiral

Our Comprehensive cover has Defaqto's highest 5 Star rating.

Finding a van that suits your needs exactly isn’t always possible, and you’ll sometimes need to modify it to make it right for you.

Whether you want to remodel the interior to make the perfect campervan for weekends away or you need to install shelving and other equipment to make your commercial van work for you, there are countless possibilities.

Make sure to tell us about any modifications you make, both now and in the future

To make sure your modified van is covered by your insurance and your modifications don’t invalidate your policy, you’ll need to tell us about any changes you make, both now and in the future.

But bear in mind that although we insure modified vans, the actual modifications themselves aren’t covered by your policy.

Take a look at our guide for more information on van driving for beginners.

Great reasons to choose Admiral Van Insurance

9.5/10 for service

Our customers score our service 9.5/10 (2018 SMS response from new customers)

All types of vans

Small, transit and vans up to 3.5 tonnes - we cover them all

Flexible insurance

Choose Comprehensive, Third Party, Fire & Theft or Third Party Only and get a great deal

What are the most popular van modifications?

The top 20 modifications made to vans we insure are:

Tow bar

Roof rack

Non-standard alloy wheels

Truckman top or similar

Full/part conversion to motor caravan

Internal racking

Added seats

Added windows

Interior changes

Dashboard camera

Parking sensors

Alloy wheels (optional extra)

Side steps/bars

Tonneau cover

Decorative changes to outside of van

Water tank

Rear spoiler

Parking assist (optional extra)

Satellite navigation system

Body coloured bumpers

Top 10 vans with Admiral Van Insurance

And if you’re trying to decide which van might be the best buy for you, take a look at the top 10 most popular we cover for inspiration:

Ford Transit

Vauxhall Vivaro

Volkswagen Transporter

Renault Trafic

Mitsubishi L200

Citroën Berlingo

Volkswagen Caddy

Vauxhall Combo

Peugeot Partner

Ford Ranger

If you’re planning to convert your van into a campervan, take a look at the helpful tips in our guide before you start ripping out the seats: Converting your van into a campervan.

What cover do I need?

There are four types of cover to choose from depending on what you use your modified van for:

1. Social

2. Social and Commuting

3. Own Goods

4. Haulage

If you’ve converted a van to a campervan, you may just need Social or Social and Commuting. If you’ve modified your van to suit a trade, Own Goods or Haulage might suit better.

To help you make your decision, let’s take a closer look.


Social is perfect for anyone using their pick-up for personal trips and not for commuting. If you use your pick-up for leisure activities requiring a bit more space or equipment – like fishing or surfing, for example – this category of cover is ideal.

Social and Commuting

If you need cover for driving to one place of work as well as leisure trips, Social and Commuting is the category you need.

Own Goods

If you use your van for business purposes, our Own Goods category might be best. Builders, plumbers and carpenters are all examples of tradesmen who might need this category.

If you need to transport tools and stock, you may need our Goods and Tools policy upgrade. This higher level of contents insurance specifically covers the contents of your van if they’re damaged or stolen.


Haulage insurance covers anyone using their van to deliver third party goods, making it ideal for furniture removers and couriers.

Levels of Modified Van Insurance cover

Next, you’ll need to decide what level of cover you want:

1. Comprehensive

2. Third Party, Fire & Theft

3. Third Party Only


This is the highest level of cover. It includes Third Party, Fire & Theft and pays out for van repairs or a replacement if it’s damaged maliciously or in an accident.

If you feel like you don’t need Comprehensive cover, Third Party, Fire & Theft or Third Party Only are other options that might suit.

Third Party, Fire & Theft

Third Party, Fire & Theft protects your van from damage caused by fire or theft only – it won’t pay out if your van's damaged in another way such as a crash. If you're involved in an incident, however, Admiral will pay out to the other driver.

Third Party Only

This is the minimum level of cover required by law and protects you if you damage someone's property or injure them while driving. Third Party Only cover also protects any passengers if they’re injured in your van, but it won’t pay out if your van’s stolen or damaged in a fire.

Features and benefits of our Modified Van Insurance

Our comprehensive van insurance includes all this as standard:

Windscreen Repair

Policyholders are eligible for the repair and replacement of windscreens (excess applies).

Courtesy Van

Use of a courtesy van while your van is being repaired at an Admiral approved garage.

European Cover

Up to 90 days' cover in Europe so you can enjoy a driving holiday in France without having to arrange extra cover.

£5,000 Personal Injury Cover

Get £5,000 of personal injury cover for you and your spouse.

Named Driver No Claims Bonus

Any Named Driver could earn themselves an Admiral No Claims Bonus for use with Admiral policies.

Sat-Nav and Personal Belongings Cover

If your personal belongings or effects are damaged or stolen while in your van, we'll pay up to £150 to help you replace them.

24 Hour Emergency Helpline

Comprehensive and third party, fire & theft customers can call if they have an incident and we're liable for the damage.

Bonus Match

Insure a second van with us and, in most cases, we'll match your No Claims Bonus on that vehicle as well.

Stereo Cover

Unlimited cover for your vehicle's standard, permanently fitted audio or visual equipment.

Modified Van Insurance quote

What you need to get a quick Modified Van Insurance quote

Once you’ve decided what type of cover you need, hit the quote button below and have the following details ready:

  • Van registration number and details
    We'll need to know the number of seats, details of when you bought the van and if it has any security features. You should also tell us about the modifications you’ve made.
  • Driver details
    Here we'll ask for the driver's name, address, job and driving history including claims and motoring offences.
  • Type of cover
    You'll need to know what type of cover you want for your modified van as well as your estimated mileage and where the van will be kept overnight.

How to get a cheaper Modified Van Insurance quote

If you’re looking for a way to lower your van insurance price, take a look at our black box van insurance which can help safe drivers pay less for their insurance.

Optional Extras



Motor Legal Protection


and Tools

Hire Vehicle Cover

You don't need to stay off the road if your van is written off or stolen - get back behind the wheel with Admiral Hire Vehicle.

We'll replace your van with a similar size vehicle (up to 3.5 tonnes and 7 seats) for up to 21 days. And you needn't worry about collecting the van - we'll deliver it to your door complete with £15 complimentary fuel.

Plus, all named drivers with a full licence are covered to drive the hire vehicle, excesses may apply.

If you can manage without a replacement van, you can choose to have a £250 alternative.

Policy Documents

Please ensure you choose the PDF associated with your product's start date. You will need Adobe Acrobat Reader to view these files. You can download it for free from the Adobe website.

Personal Injury

At Admiral, we like to give our customers plenty of options so they get the policy which best suits them. Personal Injury provides two great levels of cover to choose between: Personal Injury Cover for up to £50,000 cover or Personal Injury Plus Cover for up to £100,000 cover.

No matter which level you feel is right for you, you and your named drivers will benefit from the same great features:

  • Accidental death - Up to £50,000 or £100,000 cover against accidental death while in the insured van
  • Serious injury - Up to £50,000 or £100,000 cover against serious injury while in the insured van
  • Minor injuries - Protection against minor injuries like fractures and burns
  • Daily hospital payment - We'll pay £200 or £400 for each 24-hour stay in hospital if you're admitted or treated at A&E for an injury as a result of an accident in the insured van

Policy Documents

Please ensure you choose the PDF associated with your product's start date. You will need Adobe Acrobat Reader to view these files. You can download it for free from the Adobe website.

Motor Legal Protection

If you take out Motor Legal Protection alongside your Admiral Van Insurance policy, you'll get up to £100,000 of legal costs covered if you're involved in a non-fault accident and your claim is likely to succeed.

Protect yourself against losses not covered elsewhere such as your excess and personal injury.

You'll also have 24/7 access to a free Legal Advice Helpline, available 365 days a year, when you purchase Motor Legal Protection with us.

Policy Documents

Please ensure you choose the PDF associated with your product's start date. You will need Adobe Acrobat Reader to view these files. You can download it for free from the Adobe website.

Breakdown Cover

If you breakdown anywhere in the UK, rest assured you'll be picked up by one of our friendly rescue team - 24/7 response 365 days a year with Admiral Breakdown Cover.

We offer three levels of cover so you can choose which level best suits your needs:



Plus Cover

Plus Cover

Unlimited UK Roadside Assistance Callouts




Unlimited UK Nationwide Recovery

Within 10 miles of breakdown



Home assist
(6 per policy term within a 1/4 of a mile from your home)




Unlimited European Rescue Callouts




No matter which of our great levels you choose, you'll enjoy a number of benefits as standard:

  • Rapid response time - 42 minutes for 2016
  • Misfuelling cover - as long as you don't intentionally start the engine once you've noticed you've filled up with the wrong fuel, your tank will be drained at the roadside. If it's unsafe to drain the tank on the roadside, we'll take you to a garage for the work to be carried out.
  • Emergency Accommodation - if your van can't be repaired the same day, we'll pay up to £150 per person towards the cost of one night's accommodation in the event of a breakdown and your van is being repaired (up to a maximum of £600)


  • UK Onward Travel Allowance - if your van can't be repaired the same day, we'll pay up to £500 towards the cost of alternative transport

Our Breakdown cover also includes a trailer and caravan recovery service (up to 23 feet).

Policy Documents

Please ensure you choose the PDF associated with your product's start date. You will need Adobe Acrobat Reader to view these files. You can download it for free from the Adobe website.

Goods and Tools

The Goods and Tools policy upgrade gives you extra peace of mind that the contents of your van are covered.

We have four levels of cover to suit your needs - £1,000, £2,000, £4,000 and £6,000; so if your van's contents such as tools, materials and stock are stolen or damaged in a traffic collision or fire you can make a claim to help you recover costs. The level you choose will be the maximum paid out (£100 excess applies).

Policy Documents

Please ensure you choose the PDF associated with your product's start date. You will need Adobe Acrobat Reader to view these files. You can download it for free from the Adobe website.