So if I carry motorcycles I cant register as a camper van. What would happen if I was configured as a camper and got stopped?
Would the fact I had a bed and kitchen in the van mean trouble for not registering as a camper van. Also what would I tell the insurance about usage?
Firstly, you tell the insurance company EXACTLY what you are using the vehicle for. It will make little to no difference to policy costs I would think.
the theoretical rule is if you have converted a vehicle to the specification of a Motor Caravan (aka Campervan), you are legally obliged to reclassify. So you send the forms in and if your application gets rejected, then it gets rejected. But you have done your duty (so you keep the rejection letter as proof).
If you DO have it registered as a Motor Caravan, then you are perfectly at liberty to use it for non-motor caravanning activities if you want and are insured for (so not a policy that says "only allowed to use for Camping holidays" for example, if such a policy existed?), but what you are not allowed to do when in "non Camping use" is do things which only Motor Caravans are allowed to do e.g. drive at 70MPH on Dual Carriageways.
Apart from carrying Motorcycles internally, other non-caravanning activities which would reduce speed limits are things like driving to the recyling centre to throw away an old mattress, or going to a car boot sale to sell stuff.
Like all things motoring in this country, the rules are deliberately written to have ambiguity baked into them, so if you use common sense and err on the side of caution, should be little to worry about on the type of vehicle you are converting (as long as you are not in Northern Ireland where they literally a law to themselves, and very strict on MOTs despite the fact no one can actually get an MOT there anyway as all the lifts have been condemned
)