On a new van, insurance doesn’t automatically “go up by X%” after modifications – it depends on what you change, who fits it, and whether it alters risk (theft, repair cost, performance or payload). Some common work adds little or nothing if declared; other mods can push premiums up noticeably or even make some insurers decline cover.
Why insurers charge more
Insurers mainly price three things: claim likelihood (is it easier to steal or crash?), claim size (is it more expensive to repair/replace?), and how you use the van. Even on a brand-new van, added equipment can increase the replacement value and parts lead times, which can raise premiums.
Mods that often have a small impact (if done properly)
Racking, ply-lining, roof racks, towbar, dashcams, extra locks/alarms can be neutral or occasionally help, especially security upgrades. The key is using reputable, ideally manufacturer- or insurer-approved fitters and keeping receipts.
Mods that commonly increase premiums
Engine remaps, power upgrades, suspension drops, wheel/tyre changes outside spec and anything that changes performance or handling usually increases cost. Signwriting can also raise theft risk in some areas because it advertises tools or trade.
Big one for new vans: conversions
Tipper, Luton box, refrigerated, welfare, camper/day-van conversions often increase premiums because the vehicle is worth more and repairs are specialist. You may need a specialist commercial insurer.
Two practical tips
1) Tell the insurer before you fit anything. Undeclared mods can invalidate a claim. 2) Ask for “like-for-like” cover for added equipment (and tools, if needed) and confirm whether it’s covered when left in the van overnight.
If you’re ordering a new van, it’s often easiest to choose factory options (or manufacturer-approved conversions) because insurers tend to view them more predictably than aftermarket work.
