Catch 22 – Insurance  – TAX

How can I insure my vehicle when the insurer won’t do this until my v5c is changed from the previous use (i.e. minibus) and the DVLA won’t tax my vehicle without valid insurance?


This situation is a common “Catch-22” scenario in the UK.
The key is to find specialist insurers who can provide a policy based on the vehicle’s actual current status (or its intended use) while the V5C change is being processed.

Here is a step-by-step approach to resolve this issue:

1. Find Specialist Insurance Providers

General insurers often use automated systems that flag discrepancies between the vehicle’s current DVLA record (minibus) and your intended use (e.g., converted van/motorhome), causing a denial of coverage.

  • Seek out specialist brokers/insurers: These companies deal with non-standard situations, such as modified vehicles or vehicles in the process of conversion. They may offer policies that don’t require an immediate V5C match, or specific “in-conversion” policies.
  • Explain the situation clearly: When you call, explain that the vehicle has been converted from a minibus (or what is was) and you have either submitted the paperwork to the DVLA to update the V5C classification or can’t send it until.
  • Consider “motorhome conversion” policies: Some specialist insurers offer policies specifically designed for vehicles that are being converted into motorhomes, which bridges the gap until the DVLA paperwork is updated.
  • Temporary insurance might not work: Most temporary insurance providers still require the vehicle details to match standard classifications, so this may not be a viable workaround for a vehicle with a classification issue. 

2. Tax the Vehicle at a Post Office

Once you have secured a valid insurance policy (which will be recorded on the Motor Insurance Database by your insurer), you can proceed with taxing the vehicle. 

  • Visit a Post Office branch: While online taxing is the fastest, the DVLA system automatically checks the MID. If there is a lag in the insurance details appearing on the database (which can take a few days), the online system might block you.
  • Provide documentation: At the Post Office, you can present your insurance certificate or cover note, along with your V5C (even if it’s the old one) or new keeper slip (V5C/2), and a valid MOT certificate (if applicable). This allows a physical check of your documents, bypassing potential temporary online database delays. 

3. Ensure DVLA Paperwork is Submitted 

The V5C change process needs to be in motion for everything to be above board.

  • Send the V5C with a cover letter: Ensure you have correctly filled in the relevant sections of your V5C (Section 1 for new style, Section 7 for old style) or submitted the correct forms (such as a V627/3 for significant modifications) to the DVLA.
  • Include evidence: Attach any evidence of the conversion (e.g., receipts for parts, a description of the changes) with your letter to the DVLA.
  • Follow up: The DVLA will contact you if they require an inspection of the vehicle to confirm the changes. 

By following these steps, you can bridge the gap created by the circular requirements of the DVLA and standard insurers.

The key is finding an insurer who understands and accepts the temporary mismatch in the vehicle’s official classification.

Several specialist UK insurers and brokers are experienced in dealing with vehicle modifications, including minibus or van conversions, and the associated V5C change delays. They can provide cover while the DVLA paperwork is processed. 

Here are some names to contact:

  • Adrian Flux: A large specialist broker known for covering a wide range of modified and non-standard vehicles, including those in the process of being converted into motorhomes or campers. They offer “in-conversion” policies.
  • Brentacre: This company specialises in modified and converted vans and motorhomes. They specifically offer coverage for work-in-progress and self-build conversions, understanding the V5C reclassification process.
  • Keith Michaels: With over 35 years of experience in specialist insurance, they provide policies for modified vans and converted campervans, ensuring all modifications are properly covered.
  • Greenlight Insurance: An enthusiast-led broker that covers DIY builds and significant modifications, so they are likely to be familiar with your situation.
  • Howden Insurance (including A-Plan Insurance): These brokers offer bespoke policies for both trade and leisure conversions and can provide flexible options that may suit your needs while the V5C is pending. 

Key Steps When Contacting Them:

  1. Call them directly: Avoid using online comparison sites, as they often can’t handle non-standard situations.
  2. Clearly explain the situation: Tell them the vehicle’s original classification (minibus), its current modified state (e.g., converted camper), and that the V5C paperwork has been or is being sent to the DVLA for update.
  3. Provide documentation: Be ready to provide photos of the conversion, receipts for parts, and details of the changes you’ve made to help them assess the risk accurately.

These companies understand the temporary mismatch between a vehicle’s physical state and its official DVLA record and are your best bet for securing valid insurance that allows you to then tax the vehicle.