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Marco Polo Insurance Coverage with MPV classification

Epigram

Active Member
Be careful what you wish for In changing the V5C!
An MPV is subject to the same road traffic regulations (speed limits etc.) as a car.
If it reclassified it is likely to be classified as a van (or worse) and the appropriate road traffic regulation restrictions will apply.

A point to consider bearing in mind how well the MP drives.
Table below from gov.uk website added for reference.
National speed limits
Type of vehicleBuilt-up areas mph (km/h)Single carriageways mph (km/h)Dual carriageways mph (km/h)Motorways mph (km/h)
Cars, motorcycles, car-derived vans and dual-purpose vehicles30 (48)60 (96)70 (112)70 (112)
Cars, motorcycles, car-derived vans and dual-purpose vehicles when towing caravans or trailers30 (48)50 (80)60 (96)60 (96)
Motorhomes or motor caravans (not more than 3.05 tonnes maximum unladen weight)30 (48)60 (96)70 (112)70 (112)
Motorhomes or motor caravans (more than 3.05 tonnes maximum unladen weight)30 (48)50 (80)60 (96)70 (112)
 
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PaulE

New Member
I totally understand you frustration I have a 2019 Marco Polo sport with factory fitted kitchen with mpv log book , for the first few month the vehicle was added on to my admiral multi insurance but now that is due for renewal, I have spoken to dvla and a few insurance companies regarding this matter and have decided to go with comfort insurance, both the insurance and dvla confirm that my vehicle classification is right and this is why - because the vehicle was made by Mercedes and is a v-class car it doesn’t need to be changed , it would only need to be changed if the maker and the converter where different , and comfort insurance accept this and will insurance it as is , this is a new rule thing that has just come out hence some older Marco Polo have been allowed to change, dvla will not allow you to change it now , as for road tax there is no difference in price as for insurance I would advise going to a motor home insurance firing as it will be a lot cheaper to insurance but do tell them and most will know the new dvla rules , as for euro tunnel and ferry’s you are classed as a car and not a motor home meaning in most case it’s cheaper to travel, in my honest opinion we have the best of both worlds just remember talk to you insurance and make sure they have the right vehicle down, my insurance cost £350 for a year with comfort insurance
Gaz, do you know who it was you spoke to at Comfort as they are telling me I need to get reclassified as either a motor home or "van with Windows"?
 

Steve B

Active Member
My insurance is due, phoned Comfort to get a quote and they won't proceed without seeing photos of the conversion. Is that the experience of others who insured with them? No mater how much I said its factory as per a VW California, they said they need photos
 

Gazthediver

New Member
My insurance is due, phoned Comfort to get a quote and they won't proceed without seeing photos of the conversion. Is that the experience of others who insured with them? No mater how much I said its factory as per a VW California, they said they need photos
I did not need to provide photos when I insured my Marco Polo , maybe it’s a new thing ?
 

Carol

Member
When l insured with LV they just wanted to know if there were any after purchase modifications . So did not seem to be a problem
 

Steve B

Active Member
Got a good quote in the end from comfort, 5 photos needed for future claim reference if I take it out. It was thorough and the good thing is it is absolutely clear what’s covered.
 

PaulE

New Member
Comfort said they’d insist on my MP being registered from MPV to motor home or van with windows if I went with them.
 
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