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Jerry Data & Research
What's the difference between van and RV insurance?
Why do some people insure their vans on a car insurance policy instead of a RV policy? Aren't RV policies cheaper?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“That’s an interesting question, but there’s more to the equation than simply a matter of price.
The difference between RV and
car insurance
when insuring a van often depends on the insurance company and the type of van you own.Car insurance companies are particular about the type of vehicles they insure, especially under an RV policy. Most RV policies require that a motorhome have specific features permanently installed, which can range from a kitchen to a bathroom and more.
Most conversion vans would fall under a Class B RV policy. However, depending on the model of the van, some insurance companies refuse to insure them under an RV policy. Minivans or other smaller vans may fall under a basic car insurance policy.
If that’s the case, some people opt for a standard personal auto insurance plan. While this will provide
liability car insurance
and full coverage, it won’t protect the inside of your van or your personal property.Depending on the type of insurance policy you have and the coverage levels you want, an RV policy or a car insurance policy may be a better price. As insurance rates are also determined by a variety of factors beyond the type of vehicle you’re looking to insure, it can be difficult to say what will be less.
If you’d like to find out what would be the best price and policy for you, you’ll want to request quotes from companies on
Jerry
. You can see what the cost of your insurance will be based on your personal information and vehicle from over 40 insurers.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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