Insurance broker Ucoga Asesores, through its seguroautocaravana.com platform, has outlined how camper van policies treat conversions and added equipment. It states that factory conversions, later modifications and additional accessories may be classified differently in a policy. Self-built conversions can be insured, but acceptance and valuation depend on the insurer, documentation and compliance with Real Decreto 866/2010 and the Manual de Reformas de Vehículos. Legalising a modification does not automatically guarantee full-value cover. Solar panels, awnings, bike racks and interior equipment require specific checks of policy conditions.
