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Compare cheap van insurance quotes from 36 providers¹

We get cheap personalised quotes from the most trusted van insurers in the UK to find the right cover for you.

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* Restrictions and T&Cs apply, click here for details.

1 Accurate as of April 2024

What is van insurance?

Van insurance is a type of motor insurance you take out to protect your van. It’s separate from car insurance but works in a similar way, protecting you if your van is damaged or stolen.

Like car insurance, you’re legally required to have at least third-party cover in place to drive on UK roads.

You can take out private van insurance if you use your van for social, domestic or pleasure reasons, but if you use the van for work then you’ll need business/commercial cover.


Get the cheapest van insurance deals with our Price Promise

We're so confident that we'll find you the cheapest van insurance deal with MoneySuperMarket, that we're making a price promise to you. If you find the same insurance policy for cheaper elsewhere, not only will we refund the difference, we'll also give you a gift card worth up to £20!4

4 Restrictions and T&Cs apply, click here for details.

What do I need to get a van insurance quote?

  • 1

    Your details and your licence

    A bit about you, where you live, your job and your driving history. And the same for any named drivers.

  • 2

    Details of the van

    The van’s registration number, as well as the make and model. We’ll also need the van’s age, estimated value and any modifications you’ve made.

  • 3

    What you'll use the van for

    We will need to know your intended use for the van and how many miles you’ll do in a year. You’ll also need to say where you’ll keep the van parked.

  • 4

    No-claims discount

    Sharing your no-claims discount information can help cut insurance costs. Use our no-claims discount tool to find out how many years your insurer will honour.

Example quote when comparing van insurance

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  • Annual Price


  • Cover


  • Excess

    Total excess £500 Compulsory £250 Voluntary £250

Great for

  • If you require fully comprehensive insurance
  • If you need a courtesy vehicle
  • If you want European cover
  • If you need windscreen cover

But be aware that

  • Legal cover available from £21.95
  • Breakdown cover available from £64.95

This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.

What level of van insurance should I get?

Van insurance policies come in three levels, just the same as any other motor insurance:

  • Third-party only

    You’ll need at least third-party cover to legally drive your van, but you’ll only be covered for damage done to another person, their property or their vehicle

  • Third-party, fire and theft

    Third-party, fire and theft is the mid-level option for motor insurance, and it adds cover for your own van if it’s stolen or damaged by fire or an explosion

  • Fully comprehensive

    Fully comprehensive van insurance includes everything offered above, but also adds other protection to bolster the protection for your van, like windscreen cover

What type of van insurance do I need?

The type of cover you need will depend on the type of van you own and how you use it. Here is a list of the different types of van insurance you can choose from:

  • Plus


    Cover for making deliveries of other peoples’ goods for payment, such as if you’re a delivery driver

  • Plus


    Cover for if you’re making a single delivery of business goods over a long distance

  • Plus

    Carriage of own goods

    Cover for if you use your van to transport your own goods, like tools you use for your business

  • Plus


    Cover for multiple vans in a fleet being used for business under one policy with one provider

  • Plus

    Black box van insurance

    With a black box installed, your insurance is priced based on your driving

  • Plus

    Electric van insurance

    Get special insurance protection for your electric vehicle with extra cover options

  • Plus

    Private van insurance

    Private van insurance is for ‘social use only’ – driving to see friends, do the shopping, holidays etc.

  • Plus

    Business van insurance

    Business van insurance is essential if your van transports goods, tools, or work equipment for you, your business partner, or your employer.

  • Plus

    Young drivers van insurance

    Many insurers impose a minimum age limit of 21 on van insurance policies, so young van drivers may need a special policy

Why compare van insurance quotes with MoneySuperMarket?

  • Tailored Cover

    We listen to your needs and find the best policies to suit them

  • Great prices

    We compare quotes from 36 FCA regulated providers to find you the cheapest deals

  • Trusted

    With 30+ years experience and independence from insurers, we’re trusted by our customers

Sara Newell

Our expert says


The way you use your van can have a big impact on the type of cover you need, it’s important to make clear whether you use your van for work, pleasure or both. There are several ways you can reduce costs such as not storing goods or tools inside your van, limiting your mileage, and shopping around for the best deal.

- Sara Newell, Car & Van Insurance Expert

Why has the price of van insurance gone up?

Van insurance is up 13.6% since the start of the year, according to the latest data from Consumer Intelligence. Most insurers raised prices significantly in January due to the Financial Conduct Authority's (FCA’s) new rules banning 'price walking'. The FCA rules prevent insurers from offering new customers lower premiums to win their business. Renewing customers and new customers must now have access to the same deals.

Other reasons for price increases include:

  • An increase in van insurance claims

  • Increased energy costs

  • Increased costs for replacement parts and repairs

  • Increased labour costs

How to get cheaper van insurance

Van insurance policies can become expensive, especially if you are regularly transporting commercial cargo. However, there are a few things you can do when searching for a van insurance policy to save money, including:

  • 1

    Improve security

    Use anti-theft devices like immobilisers, alarms and trackers. Parking in a garage overnight, and making sure you don’t keep goods, tools or other possessions inside the van

  • 2

    Increase your excess

    The higher the voluntary excess you offer to pay, the lower your monthly premiums will be. Just make sure the excess you opt for is affordable in the event that you do have an accident

  • 3

    Limit your mileage

    Some insurers will reduce your quote if you cap the time or distance you drive your van. The logic? The less time you spend at the wheel, the less likely you are to be involved in an accident

  • 4

    Pay annually

    If you can afford to do so, paying an annual lump sum for your van insurance policy is almost always cheaper than if you were to pay monthly instalments

  • 5

    Don't over-cover yourself

    Avoid overestimating the value of your van and including unnecessary add-ons like breakdown cover or car key cover, which can be cheaper to pay for out of pocket

  • 6

    Build a no-claims discount

    Providers offer a discount based on the number of years you’ve been driving without making a claim. The more claim-free years you have, the higher your discount could be.

  • 7

    Avoid modifications

    You might be tempted to modify your van but they usually cost more to insure, so think before you pimp

  • 8

    Shop around

    The best way to get a better deal is to compare your options. Insurers reserve their best prices for new customers, so if you auto-renew with the same provider, you may be charged over the odds

What optional extras can you get with van insurance?

There are a variety of extra policies you can take out with your van insurance policy to boost your level of cover. These aren’t useful for every van owner, but there’s something for everyone:

  • Plus

    Breakdown cover

    If your van breaks down on the road, breakdown cover will get your van repaired and help your continue on

  • Plus

    Courtesy van

    Sometimes included with breakdown cover, this will give you a replacement vehicle while yours is being repaired

  • Plus

    Legal expense cover

    This will cover any legal costs that arise after an accident with your van that wasn’t your fault

  • Plus

    Public liability cover

    Public liability cover covers business vans for costs when a member of the public is injured as a result of your actions

  • Plus

    Employers’ liability cover

    This can cover you against claims of negligence by your employees – useful if employ other people to drive

  • Plus

    Tool cover

    Especially useful if you use your van for work, as it covers the cost of replacing your damaged or stolen tools

  • Plus

    Personal belongings cover

    This can cover your possessions if they’re stolen or damaged while in your van, but keep an eye out for exclusions

  • Plus

    Wrong fuel cover

    This covers the repair costs if you accidentally top your tank up with the wrong type of fuel

  • Plus

    Multi-van cover

    Many providers offer multi-van cover, which lets you cover two or more vans under a single policy

  • Plus

    No-claims discount protection

    No-claims bonus protection is an optional feature that preserves your earned discount even if you make a claim, helping maintain lower insurance premiums

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Van insurance is more expensive than car insurance due to a number of factors, including the relative size and weight. Vans also have bigger engines and larger storage capacity, and usually carry more valuable cargo. As vans are often used for commercial reasons, that also affects the cost.

Commercial van insurance is cover you can take out if you use your van for any business-related reasons, while private van insurance is designed more for social or domestic reasons. If your van is used for commercial purposes, a private van insurance policy won’t be enough to cover you, even if you only use it for commuting to and from your work place.

Commercial van insurance comes in different forms, depending on how you use it. You’ll be able to choose from:

  • Own goods: A carriage of own goods policy covers you for carrying certain items, such as tools for your business or stock you buy from a wholesaler

  • Hire and reward: Hire and reward cover is a legal requirement if you carry goods or people that aren’t yours in exchange for payment – usually for one-off jobs, such as furniture removal

  • Courier and haulage: If you use your van to make deliveries within a specific location, usually directly to the recipient of the goods, you’ll need a courier policy. However if you’re making commercial deliveries to one specific location, often over distances, a haulage policy will be more suitable

Many insurers offer multi-van policies that let you add cover for more vehicles, which is often a cheaper option than insuring each van under its own policy. Learn more with our guide to multi-van insurance.

You’ll also be able to include additional drivers in your policy, even if you use the van for business, though the specific details of the cover you can get will depend on the provider you use. This is called any driver van insurance.

Some van insurance providers offer policies that give you cover when you’re abroad, though the list of countries covered is likely to vary between providers. It might be a good idea to consider European breakdown cover if you’re driving abroad – you can either take it out separately or as part of your van insurance policy.

Every van on British roads is categorised into one of 50 van insurance groups, which rate them from the cheapest to the most expensive to insure. The more powerful, expensive and rarer your vehicle, the higher the group it will be in.

Many insurers allow you to use your no-claims discount on any vehicle, including cars, vans and motorbikes, though they may restrict your discount to one insurance policy at a time.

You can get black box, or telematics, insurance on your van. This is a device or app attached to your van which measures how you drive and adjusts your insurance premiums accordingly. Find out more about how telematics insurance works here.

Temporary van insurance is available if you want to drive a van for a short period of time, as an alternative to annual cover. It’s available as short-termdaily or monthly van insurance.

You may be able to drive your van with a car insurance policy – however it will depend on your provider and policy documents. It’s always best to check with your insurer to make sure.

It’s worth noting that car insurance policies that offer fully comprehensive cover for your car may also offer third-party cover for vans you add to the policy – again, check your policy documents for certainty. 

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