Compare van insurance

Use our guide to find the best van insurance for you.

van insurance

Whether you drive a transit or a transporter, for work or for leisure its well worth taking the time to compare the range of insurance policies out there. There are a range of cover options to choose from, including for those of you that use your van to deliver goods and are looking to protect the contents.

What is van insurance?

Van insurance is just like regular car insurance, but designed specifically to cover drivers with vans. This may be people who use a van for everyday driving through to those who use their van as part of their job, such as a courier.

Like with a regular car, you’re legally required to have insurance to drive a van in the UK. However, you also have a range of options when it comes to van insurance, and certain policies may be better suited to different drivers.

What are the different types of van insurance cover?

There are three main types of cover for van insurance, as well as any driver insurance if your van is shared by multiple people. Each type offer different levels of coverage. It’s important you pick an options that suits your individual needs and aren’t just lured in by the cheapest one.

Third Party

It is a legal requirement for all divers to at least be covered with Third Party insurance. This is the most basic form of protection and covers any damage or injury you cause to another party in an accident.

What is covered?

  • Injuries to others, including those in your van, other vehicles and pedestrians.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.

What isn’t covered?

  • Accidental damages to your van.
  • Personal injury.
  • If your van is stolen.
  • If your van is damaged by fire.

Third Party Fire & Theft

This policy offers all the same as Third Party cover, plus any claims made against you as a result of an accident, protection of your van against fire and theft.

What is covered?

  • Injuries to others, including those in your van, other vehicles and pedestrians.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.
  • Replacing your van if stolen.
  • Damages to your van as a result of attempted theft or fire.

What isn’t covered?

  • Other damages to your van.
  • Cover for your personal injuries.
  • A pay out if your van is written off.

Comprehensive Cover

This is the most complete form of van insurance you can get. Comprehensive van insurance covers you for pretty much everything, except for that outlined in your policy exclusions. Some insurance companies offer a cheaper ‘stripped down’ comprehensive cover, which may exclude things such as windscreen cover.

What is covered?

  • Injuries to others, both in your van and other vehicles.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.
  • Replacing your van if stolen.
  • Damages to your van as a result of attempted theft or fire.
  • Damages to your van.
  • Cover for your personal injuries.

What isn’t covered?

  • There may be some exceptions outlined in your policy exclusions.

Any driver

An alternative option is to get an ‘any driver policy’, often called fleet insurance. With this policy you don’t need to add any specific driver details as long as the driver has a clean driving history.

Most insurers will also require the driver to be over 25, however some providers will allow younger drivers. This is an ideal option if your van is is shared within a business.

Commercial van insurance

If you use your van as part of your job, or drive it for any purpose other than personal use, you will need to get commercial van insurance. There are a range of commercial van policies, so it’s important to understand the type of cover you need before deciding on a policy.

  • Carriage of own goods. This form of insurance covers all the equipment and tools carried in your van that are used as part of your profession.
  • Carriage of goods for hire or reward. If you carry goods or people in exchange for payment, you will need to get hire and reward cover.
  • Courier/haulier insurance. Vans that are used to deliver goods over long distances require a dedicated haulage policy. If you use your van to deliver goods in a certain location, you will instead need to get courier insurance.

Did you know?

In 2008 Telematics or black box policies were launched. These establish your premium by recording information such as speed and location through a fitted black box or a mobile phone app. The information collected is then sent to a central database and analysed. Here good driving habits, such as keeping to the speed limit and braking safely are rewarded with lower premiums, making this a great option for younger drivers typically face higher rates because of their age. It is also useful if you have a large fleet of vans and a number of drivers, as it can help drive down fuel costs by giving feedback on users driving habits.

How can I get a quote?

To get yourself an insurance quote for your van you’ll need to provide the following details.

  • Personal contact details
  • Where the car is kept overnight
  • Your license type and the length you’ve held it
  • The details of any other drivers that will use the vehicle
  • Any disabilities or medical conditions you have reported to the DVLA
  • If your van has any security devices or modifications
  • If your van is imported
  • Any other unique features of your van

10 ways to save money on your van insurance

  1. Don’t auto-renew
    Make sure you compare quotes from other providers before allowing yours to renew each year. If you find a cheaper quote you might find that your current provider will match it or even offer a cheaper deal.
  2. Pay a higher excess
    An excess refers to the amount you’ll contribute if you make a claim. As well as compulsory excess set by the insurance company there is voluntary excess. Increasing your voluntary excess signals to your insurer that your less likely to make a claim, helping to bring down your overall premium.
  3. Try a black box
    Fitting your car with a blackbox or using a Telematics app can significantly reduce your premium as long as you drive well. Poor and dangerous driving however will cause it to go up.
  4. Restrict certain drivers
    If you’re able to do so, restricting certain drivers such as under 25s, seniors and learners from driving your van can lower your premium. That’s because these groups are statistically more likely to be involved in an accident.
  5. Add a named driver
    Listing a more experienced driver can help to reduce your premium, particularly if they’re listed as the main driver. It’s important that you don’t list them as the main driver if they are not.
  6. Choose the right vehicle
    The type of van you drive can significantly impact the cost of insurance. It’s worth spending time shopping around and comparing which vans you can get the cheapest premiums with.
  7. Build up a no claims bonus
    Your driving record and no claims history are used to determine how likely you are to be involved in an accident. If you haven’t made any claims in the last 4-5 years insurers may offer you a ‘no claims bonus’, granting you a discount on your premium.
  8. Increase your van’s security
    Reducing the risk of your van being damaged or stolen is a great way to reduce your premium. Parking in a garage instead of on a main road is a great way to secure cheaper insurance.
  9. Compare, compare, compare
    It pays to do your research. Shop around and compare quotes from different providers. If you find a better offer don’t be afraid to switch. Make sure that when comparing that the policies are like for like. Cheaper premiums may just reflect less cover.
  10. Take advantage of discounts
    Do your research and see if there are any deals on offer. Some providers might provide loyalty discounts or cheaper rates for new customers.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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