I think a legal definition of "full timing" is required here.
I think a legal definition of "full timing" is required here. I think the suggestion along these lines by JJ is a good one. So you can genuinely tell the insurers you are not full-timing.Try staying in a Travel Lodge once a year.
Then you can quite honestly (and emphatically) say you do NOT live in your van fulltime.
Quite a sacrifice (Travel Lodge) but maybe a work around.
JJ