One-day van insurance

Check out your options for one-day van insurance. Read our guide and compare options here.


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If you’re planning to use a van for the day, you may wonder what your options are for cover. Temporary van insurance is available in the UK and could ensure you and the van have the protection you need without breaking the bank. Take a look through our guide to discover how one-day van insurance works and compare deals now.

How does one-day van insurance work?

All drivers are legally required to have motor insurance to be on UK roads as it provides financial protection if you’re involved in an accident. It can cover against injuries sustained by other people involved as well as damage to property. Van insurance also offers financial protection if your vehicle is vandalised, stolen or damaged by fire. This is the same regardless of you being on the road for one day or one year.

One-day van insurance works by covering you for 24 hours. Essentially, it provides protection only when you need it, allowing you to avoid signing up for a traditional annual van insurance policy. Temporary van insurance can be taken out from as little as one hour up to 30 days, which can make one-day van insurance straightforward to obtain and affordable when compared to getting a 12-month policy.

What does one-day van insurance cover?

One-day van insurance cover varies depending on the insurer offering the policy. However, most will typically offer the following:

  • Instant insurance from one hour up to 30 days
  • Third party cover
  • Fire and theft damage
  • Accidental damage
  • Third party EU cover
  • Flexible cover that can be extended if needed
  • Unaffected no claims bonus for the main driver of the van on their annual van insurance policy

Check your policy details carefully to ensure you have the right cover for your needs.

What is not covered?

Any one-day cover is likely to become invalid if one of the following arises:

  • You drive whilst under the influence of drugs or drink
  • You fail to pay for your premium
  • You do not have a valid driver’s licence
  • You do not have permission to drive the van from the van owner
  • You fail to lock or secure the van properly when parked and it is stolen

Check your policy for further details to confirm your cover will be valid for the whole duration you need it for.

What are the benefits of short-term van insurance?

Temporary van insurance can offer several benefits over a standard annual van insurance policy. Consider the following:

  • Full cover. Comprehensive cover on a temporary basis allows you to save money by only paying for the cover you need, such as one day, without compromising on protection.
  • Flexible policy terms. If you need a van to carry out a particular errand or job, being able to choose how long you need cover, for example, from a few hours up to a month, offers the most flexibility.
  • No-claims bonus protection. Having a separate temporary van insurance policy from the van owner’s annual insurance policy will provide added protection and peace of mind. If you do need to make a claim, you would claim through your own temporary policy, which wouldn’t affect the van owner’s annual policy or any built up no-claims bonus they may have.
  • Save money. By only paying for what you need, you’ll save money rather than simply having an annual policy.
  • Immediate cover. As soon as you decide you need cover, insurance can be activated almost instantly online, providing you have completed the necessary application process.
  • Business use as standard. Business use for the van may be included as standard with a policy. Providing the van is not used for carrying goods or passengers for hire, most other business usage is allowed.

Who is eligible for one-day van insurance?

Each insurer will have its own set of conditions and restrictions for one-day van insurance.

Generally, it is available to drivers who have held a driver’s licence for at least six months, or if a driver is older than 25 years old, at least three months. However, some insurers may stipulate that the driver of the van must be older than 18 years of age, for example.

The van being used should also be no more than 3.5 tonnes, registered in Great Britain, Northern Ireland or the Isle of Man and have no more than eight seats.

Check the insurer’s own eligibility criteria carefully to first understand if it can offer you and the van cover before proceeding with the application further.

Pros and cons of one-day van insurance cover


  • Save money on a one-day policy compared to an annual policy
  • Comprehensive cover often as standard
  • Flexible cover options to only pay for cover that you know you’ll use


  • You may lose money if you need to extend cover beyond 28 days
  • Varying age restrictions by insurers may make it harder for young, new drivers to access temporary van insurance

Frequently asked questions

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