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Over the last decade, the number of van drivers on UK roads has increased by 30%. And while insurance premiums have risen over the last few years, there are a number of ways you can save whilst still getting the right policy for you.
Van insurance is a separate type of cover specifically designed to protect your van. Third party cover is the minimum legal requirement for van insurance in the UK, and you will need to take out a different type of cover if you use your van for commercial purposes as opposed to recreation.
Yes. If you use your van strictly for recreation or as a substitute for a car, you are legally required to have at least third party cover in the UK. If you use your van for business purposes, including commuting to work, you will need a form of commercial cover for your van.
Van insurance premiums have been rising in the last few years. Your premium will be affected by a number of personal and situational factors, but the average van insurance policy in the UK will set you back around £1,116 in 2021, according to insurance data specialist Consumer Intelligence.
Given the new, recent tighter restrictions placed on areas all over the country, times still remain uncertain and so may well impact driving habits and, in turn, premiums. As always, though, premiums will be impacted by claim frequencies and severity.”
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.
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.
This policy offers all the same as third party, plus any claims made against you as a result of an accident, protection of your van against fire and theft.
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.
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.
You are legally required to have at least third party cover for your van in the UK. And, depending on what you use your van for, different types of cover will also apply. The average van insurance premium has increased by 37.4% since April 2014, but if you implement a few of our savings tips you could potentially save big on your cover. The key thing is to research as many policies and providers as possible to find the best cover at the best price for you.
Finding van insurance with a low deposit can help keep your upfront costs down, but may not be the cheapest option over the long term.
Find out if you can get van insurance with no deposit and the best ways to save money on your policy.
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