I've insured my LDV Convoy 2.5TD with Direct Dial, fully comp cover is just £90 for the year. It's coming up for renewal soon so I'll be looking to drive the cost down yet again of course. OK so I'm 48 with a full clean license (of course) and no accidents, points or convictions which helps. 9 years no claims bonus, a shame they don't allow 30 years no claim bonus.
Essentially my van is still just that a van (albeit a minibus) all of the fittings for the wheelchair passengers in transit are just hidden away under my rugs and carpets on the floor and nothing is fixed permanently in place. My furniture is all attached to the wood side panels inside using L shaped stainless steel brackets. It would take me all about 15 minutes at most to switch it back to a minibus. No need to tell the insurance company I've converted the van then.
I like this option because quite often I just feel the urge to make changes to the layout inside, ooh look what a lovely cupboard (in a skip) - I can strip that down, take it back to natural wood, sand it down, polish it up and pop it into that corner to replace that unit lol. It just makes van living more interesting.
I mean a vehicle is a vehicle is a vehicle at the end of the day. It doesn't matter what's inside it. It's got 6 wheels (in my case), brakes, a steering wheel and an engine in it. Whether it is being used as a van or a giant rabbit hutch makes not one iota of difference at the end of the day, a vehicle, whatever vehicle is just made to drive, which is what it was designed for, the risk of driving it on the road are just the same whatever configuration is inside, there is no greater risk to it being used as a van for living in. No need to tell them otherwise.
