Vehicle Classification for cheaper insurance

ZsazsaFierce

Hi Money Savers,
I hope someone can help as my Google searches have not brought me any conclusive information. I want to buy a small van or people carrier to convert into a micro camper. 
Here is what I do know: If I bought a panel van and converted that, reclassifying it from van to motorhome with the DVLA could save on insurance cost as well as being able to drive at higher speed on motorways.
Here is where I am confused: Because I want a micro camper (looking to convert a vehicle the size of a Citroen Berlingo, Renault Kangoo, Peugeot Partner, VW Caddy, Ford Transit Connect - you get the picture) the motorhome classification is not accessible to me (no high top) but I could classify as modified van or van with windows, apparently. What I don't know is:
- How much of a difference does it make financially?
- What other benefits are there for reclassification?
- What legal obligation do I have to do so?

And just to add another layer: I don't HAVE to get a panel van. If I got a passenger vehicle / MPV / People Carrier version of the ones I am looking at (above) and converted that to a camper, what do I need to let the DVLA know? What do I have to tell the insurance?

I am trying to figure out whether getting a passenger vehicle or panel van would work out cheaper in the long term, but cannot find relevant information. If you have links to any articles or sources of information, I'd much appreciate it.
Thanks so much!

AdrianC

Start with a passenger version of the vehicles you mention, and the speed limit issue is irrelevant.
There are no other real obligations or benefits.

Car_54

There is an obligation to tell any insurer about any work you've done or are doing.

BTW the reduced speed limits are on all derestricted roads except motorways

AdrianC

[Deleted User] said:

There is an obligation to tell any insurer about any work you've done or are doing.

Indeed. But whether you reclassify the vehicle with DVLA or not is irrelevant. You simply need to tell the insurer you're modifying the interior.

ZsazsaFierce

Thanks everyone! This thread has been very helpful. I have now concluded that it will be best to look for a passenger vehicle because:

• I will have more petrol options to choose from
• insurance is cheaper than a commercial van
• windows are already installed
• I just need to tell my insurance of the modifications rather than having to faff about with DVLA.