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Updated May 20th, 2019
Name Product Available Cover Offer Details
Comprehensive, Third Party Fire and Theft & Third Party only
10% online discount
AXA van insurance is underwritten by AXA Insurance UK plc.
Comprehensive, Third Party Fire and Theft & Third Party only
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The Van Insurer offers insurance from a selection of different providers. Each policy has a different underwriter.
Comprehensive, Third Party Fire and Theft
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More Than van insurance policies are underwritten by Royal & Sun Alliance Insurance plc.
Comprehensive, Third Party, fire and theft
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Direct Line van insurance policies are underwritten by UK Insurance Ltd.

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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 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. Its 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, covering any damage caused to another vehicle or injury to someone 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.
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.
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.

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

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. Its 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.

Business van insurance

Commercial or business van use allows you to use your van as part of your job, such as for making deliveries or transporting work tools. Even if you only commute to one place of work in your van you’ll still need commercial insurance. With every level of commercial van insurance it’s vital you check what the specific details of what is covered.

  • 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 cargo that ins’t your own then you will need this form of cover. It insures the goods your carrying, even if they’re not your own.
  • Courier/haulier insurance. Vans that are used to deliver goods over long distances require a dedicated policy. This policy is designed to reflect that as a driver you’re going to be spending much more time on the road.

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. Its 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. Its 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.

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

Still have questions? The answer may be here …

*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms ‘Best’, ‘Top’, ‘Cheap’ including variations, are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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