Many large families decide to buy multi-passenger vans for the convenience they offer. You can carry more people than the average minivan. Plus, you might also be able to remove the seats of the vehicle to allow for storage or cargo.
These vans can provide a variety of benefits and luxuries. However, they also come with insurance obligations. What you might find is that standard car insurance might not apply to this vehicle. So, you might have to get a separate policy through an RV policy or commercial auto coverage. Consider how this coverage works.
Car Insurance for Conversion Vans
Some conversion vans simply have seats in the back to allow you to transport your whole family. In other cases, they might even contain significant bells and whistles. You might even be able to convert the van into a full-sized camper.
Like any driver, you will likely have to carry auto insurance on this vehicle. Your state might require you to carry liability insurance. The coverage will pay in case you are at fault for a wreck that harms another driver or damages their vehicle. You might choose to augment your policy with physical damage insurance, coverage for rental vehicles and other optional perks.
However, the thing is that a standard car insurance policy might not apply to these vehicles. Conversion vans are often larger, heavier and more complicated to operate than the average van. Therefore, you might have to buy augmented coverage.
RV Insurance for Conversion Vans
You might have to upgrade your auto policy to an RV insurance to get coverage on your multi-passenger van. The policy will offer extended coverage to better address your behind-the-wheel liabilities. Many insurers offer what they call Class B motorhome insurance. It specifically applies to small conversion vans that are less than 21 feet in length.
Your RV policy can offer coverage for liabilities, collisions, other physical damage, uninsured motorists and medical payments. The perk for motorhome users is that coverage might offer expanded benefits. These might include coverage for personal effects and pets. You’ll have a higher level of protection for the unique risks that you face in this special vehicle.
Keep in mind, if you plan to ever use this personal van for business, then you might have to buy commercial auto insurance. However, this doesn’t apply to using your car to commute back and forth to work. Still, if you plan to take on more driving responsibilities at work, ask your boss what you can do to obtain this coverage. Sometimes, they can offer you coverage on their existing commercial auto policy.
Contact Wilgus Insurance Agency today or visit one of our locations below!
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