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Compare van insurance

Dawn Daniels
Dawn Daniels

Updated

Fact checked

Protect your van or minivan with the right insurance.

If you have an older van that you use for day-to-day getting around, you can save money by getting a policy with the minimum required coverage. But if you have a newer or customized van, it might be worth it to get coverage that’ll protect your investment.

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How are my van insurance premiums calculated?

There are a number of factors that go into how your insurer calculates your premiums, including:

  • The kind of van you drive. The insurer will look at information like its make, model, age, engine size and safety rating. It may even look at things like how commonly these models are stolen.
  • Your driving history. A clean driving record will get you a lower premium.
  • Your claims history. Even if your driving history is OK, you could still end up paying more if you have a long claims history. For example, if you’re constantly getting your windshield repaired, your insurer might assume you drive on gravel roads and could therefore increase your premiums.
  • The van’s other drivers. Your insurer will look at the age, driving history and claims histories of other drivers listed on your policy and adjust your premiums accordingly.
  • Where you live. If you live in a safe neighborhood and park your van in a locked garage, you’re likely to pay less than someone who doesn’t.
  • How you use your van. If you only drive your van to work and back, you’ll pay a lot less than someone who lives in their van and travels the country.
  • Your deductible. A higher deductible will help lower the cost of your van insurance premiums.

Can black box insurance help me save on van insurance?

Black box or telematics van insurance policies are available to most drivers and will usually see monthly premiums calculated based on real data collected about a driver’s current performance.

Black box van insurance customers must first have a black box device fitted into their van, which uses GPS technology to continually monitor the driver’s performance, braking habits, speed, distance traveled and which roads are taken. Insurers use that driving information to decide your insurance rate. Safer drivers pose less of a risk so they pay less for car insurance.

If you’re a safe and careful driver despite being young or inexperienced, telematics insurance could help to save you money. Similarly, if you’re a high risk driver of any age, a black box policy could help to prove to your insurance provider that you’re a good driver. Getting black box insurance lets you take control of your driving and prove your worth to your insurer, which could translate into cheaper insurance.

What are the benefits of black box van insurance?

Benefits of a telematics van insurance policy include:

  • Save money. This type of policy could help to decrease insurance premiums for drivers who are considered to be high risk by insurers due to their age, such as young, inexperienced drivers, as well as experienced, older drivers in their 70s and beyond. Having a premium based on a person’s current driving and braking habits rather than their age could lower premiums that could otherwise be high.
  • Drive better. You may find that black box insurance actually improves your driving over time. As you’ll get regular reports, feedback and scores of your driving, you may want to achieve a higher performance score from your insurer.
  • Additional monitoring and analysis. By having a black box device fitted to a van, other monitoring and analysis may be included as standard such as anti-theft tracking or accident alert. Data can be shared in the event of a claim being made to find out what actually happened.
  • Safety checks. If a driver is involved in an accident, some black box van insurers monitoring the impact will try to make contact with the driver or contact emergency services if necessary, which could be priceless in the event of a serious accident.

Bottom line

Vans often come with special insurance requirements, but that doesn’t mean they’re hard to insure. And if you take advantage of available discounts and compare insurance providers, they don’t have to be expensive either.

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