wildebus
Forum Member
Not if they have insured on that basis. This is (IMO) why a self-builder should use a specialist company and discuss with the broker the details when discussing the policy.Is there a concern that they could use that rejection as reason not to pay in event of a claim
It used to be the case where you would have upto 6 months or a year (depends on policy) to complete the build and reclassify. With the change in stance of DVLA, the specialist brokers and underwriters (typically Markerstudy) have revised their stance to not demand that, but have usually wanted more proof that the conversion is not just a mattress thrown in the back and a camping stove (that proof used to be the DVLA reclassification, and now to a degree the 'right' rejection reason)
The problem some people get is they say they have a campervan, very often DO have a proper Conversion, but is not documented at all or classified as such, and then when a claim is made, they get offered the value of, say, a 10 year old transit van (so sod all) rather than the value of a fully converted campervan that is worth 5 times that or more.
FWIW, my 'Zebra' camper IS a Motor Caravan legally on the V5C, but I still provided photos of external and internal, and listed all the key expenses to back up an agreed valuation figure, as the usual method for insurers of looking for similar vehicles to compare for valuation would never work!