Anyone know of a vehicle insurer who covers the full cost of a modified camper van?

[AbleGuy]

So our current wonderful insurance company, in the recent renewal letter of our auto policy, is declining to value our camper van at its full professionally aftermarket modified cost/value.

It will only value and insure the van for the value of the underlying, bare-bones empty cargo model. this was not a problem with our previous two professionally modified campers.

But hey, insurance companies can do whatever the hell they feel like, right? So changing the coverage on our policy on a short notice is par for the course I suppose.

Anyway….

Can any of you recommend an insurer other than USAA that will insure a professionally aftermarket modified camper for its true value?

any help you can give us would be greatly appreciated

 

[Hegear]

Try tredder, it’s a secondary insurer so you will need to add this to a regular policy.

It’s not an all in one solution like you have requested but it may work for you. I’ve used them a few times and the cover in Mexico as well.

 

[MOAK]

Here in the northeast we have Erie Insurance which is for preferred drivers. We pay a little more, however, 100% replacement on everything- the truck & the custom flatbed are primary. The 4WC Grandby and all the contents are on a rider. The rider was based on a $100,000 total loss and cost 250 a year extra. It’s good insurance. My wife was hit head on in her RAV4 years ago. The other driver was at fault. We had more than enough money in our account three days later to replace the car, along with 90 days of rental coverage. I know Erie is not out west, but there should be a comparable company, such as Westfield, for preferred drivers in your region.

 

[fisher205]

We were able to get insurance from Progressive for our Sportsmobile, when USAA wouldn't do it.

 

[moorejames]

You're looking for an "agreed value" policy. Which, btw, is different from a stated amount policy. Many companies offer it, if you know to ask.

 

[2025 deleted member]

Hagerty does agreed value policy’s but it ain’t cheap

 

[Maslin]

Our van is covered by Progressive for $50 a month. The RVIA sticker goes a long way when it comes to insurance.