4 Tips to Insure Your Expedition Vehicle

So you’ve made the decision to invest in an expedition truck, congratulations!

Now the question: How do you insure this thing?

Unlike a typical car or RV, expedition vehicles can sometimes leave insurance companies scratching their heads. But with the right approach, you can simplify the process, reduce your costs, and make sure you’re fully covered before you hit the road.

1. Register the vehicle as an RV

This is one of the most important steps you can take. When you register your expedition vehicle as an RV, it makes things much easier on the insurance side. Why?

• Lower premiums: RVs are generally less expensive to insure than commercial trucks.

• Simplified process: Insurance companies have a framework for RVs, while an expedition truck without RV registration may be flagged as “commercial use” or “specialty,” which complicates things.

• Better coverage options: RV insurance is designed for living and traveling in your vehicle, which makes it a better fit for expedition rigs.

If your truck isn’t officially converted into an RV—or you don’t have the proper paperwork—getting insured can be a lot more complex.

2. Document everything

When you’re insuring a custom build, documentation is key. Provide your insurer with:

• Photos of the vehicle inside and out.

• A breakdown of custom upgrades and their values. 

• Proof of RV registration (if applicable).

This ensures that, in the event of a claim, your build and all its unique features are properly covered.

3. Ask about agreed value coverage

Traditional auto insurance often covers vehicles at “actual cash value,” which factors in depreciation. For a one-of-a-kind expedition truck, that doesn’t make sense. Instead, ask your insurer about agreed value coverage, which allows you and the company to decide upfront what your rig is worth. That way, if the worst happens, you’re not stuck fighting over what your investment is really worth.

4. Don’t forget about international coverage

If you plan on taking your expedition vehicle outside of the U.S., make sure you understand how your policy works across borders. Some providers will extend coverage into Canada and Mexico, while others may require you to purchase supplemental insurance. For long overland trips through multiple countries, you’ll need to plan ahead and ensure you’re covered everywhere you travel.

Insuring an expedition vehicle isn’t as straightforward as insuring a car, but it doesn’t have to be complicated. Your expedition truck is built to take you anywhere—so give yourself peace of mind knowing it’s fully protected when you get there.

Contact us to get started on your expedition truck today:

Disclaimer: The information provided in this article is for general informational purposes only and does not constitute legal, financial, or insurance advice. We make no representations or warranties about the accuracy, completeness, or applicability of this content to your individual situation. You should always consult with a qualified insurance professional or legal advisor before making decisions regarding coverage for your expedition vehicle. We are not liable for any actions taken or outcomes resulting from the use of this information.