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Van insurance

Super save on your van insurance

Compare van insurance quotes from over 30 insurers

Our van insurance providers

Find cheap commercial and private van insurance quotes available through major van insurance companies, including:

company logo for Gladiatorcompany logo for Autonet protectcompany logo for Vanline directcompany logo for Quote detectivecompany logo for Admiralcompany logo for Van quote directcompany logo for Quoteline direct

What is van insurance?

Van insurance works just like car insurance: it covers your van in the face of various risks, including fire, vandalism, theft and road accidents. It’s a legal requirement for any van owner, but there are several options, especially if you use your van for commercial reasons.

Van insurance will cover other people’s costs if you cause an accident, and may help pay for repairs to your own van. With the right add-ons to your policy, it will also cover you when you’re driving it abroad, if you top it up with the wrong fuel, or even if you lose your keys.

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What level of van insurance is available?

There are three main levels of van insurance you can take out.

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    Comprehensive cover

    Comprehensive insurance covers your van for theft, fire and accidental damage, and it also covers third parties and their vehicle or property in case you get into an accident. It’s also usually the cheapest option

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    Third-party only cover

    The least effective legal level of van insurance, this simply covers the cost of damage you cause to someone else, their vehicle or their property. It won’t cover the cost of any damage you cause to your own van

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    Third-party, fire and theft cover

    Third-party, fire and theft offers slightly more cover than third-party only policies, because it also covers loss or damage to your own van if it’s caused by fire, lightning, self-ignition, explosion, theft or attempted theft

What types of van insurance are available?

Because vans can be used in quite a few ways, there are several different types of insurance policy available for each use case. What will you be using your van for?

  • Social, domestic and pleasure cover

    SDP van insurance generally provides basic cover for your van as long as you don’t use it commercially. Some policies also include contents cover for belongings inside the van – though not necessarily if they’re left inside overnight

  • Carriage of own goods cover

    This is the go-to cover for business vans. It will protect your own goods cargo from transit risks – as long as you tell your insurer what you’re transporting beforehand, as you’re only covered for goods that they’ve agreed to insure

  • Haulage and courier cover

    Courier cover is specifically for vans which carry and deliver cargo belonging to other people or businesses. These policies reflect the length of time a van is on the road, but won’t usually protect the goods themselves

How to get cheaper van insurance

Van insurance policies can become reasonably 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, such as:

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    Secure your vehicle

    Tell your insurer about the security measures you take, such as anti-theft devices, parking in a garage overnight, and making sure you don’t keep goods, tools or other possessions inside the van

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    Increase your excess

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

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    Limit your mileage

    Some insurers will reduce your quote if you cap the time or the 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

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    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

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    Over-cover yourself

    Van insurance can include optional policies like personal liability cover, which may be available elsewhere. For example, some banks offer breakdown cover as an incentive to open a current account

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    Cheapest isn’t always best

    The cheapest available quote isn’t always the right choice. You should aim to balance the level of cover and how much you pay for it – some insurers won’t offer the add-ons that your business needs

How to buy van insurance with MoneySuperMarket

Comparing and buying van insurance couldn’t be simpler. Follow these three steps to get covered:

  • clock icon

    It doesn’t take long

    Give us a few details about yourself, your van and all the things that you use it for

  • search icon

    We’ll search for savings

    We’ll scour the market to find you the cheapest car insurance that offers the cover you need

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    Choose your policy

    We’ll show you the options that suit you the best, and you pick the one you like

What 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:

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    Breakdown cover

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

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    Courtesy vehicle

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

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    Legal cover

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

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    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

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    Employers’ liability cover

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

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    Tool cover

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

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    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

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    Wrong fuel cover

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

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    Multi-van cover

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

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    Additional drivers

    Most providers will also let you add extra drivers to your van insurance policy so they can drive any vans you’ve insured

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.

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.

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.

Legal cover can be an important part of any policy, and with motor insurance it can be useful to have the legal support if you get into a car accident or incident. However if you’re driving your van for commercial reasons then you might also want to consider legal cover as part of a business insurance policy.

For example, you might be liable for any goods you’re carrying if they get damaged as a result of your driving. Having legal cover as part of a commercial van policy means you might be able to claim for legal costs and damages.

Depending on your provider and level of cover, you may be able to get a courtesy vehicle if your van is out of action – thought the replacement is more likely to be a small hatchback.

You may be able to get replacement vehicle cover, meaning a van suitable for your needs, while yours is repaired. However you may only qualify for a replacement if the accident wasn’t your fault.

Some insurers will cover younger drivers, but not all. Many have a cut-off point at 21 or even 25, while those who do insure younger drivers are likely to charge hefty premiums – as all insurers do for drivers under a certain age.

Yes. Job and employment status affects all driving insurance, including for vans. And given that many vans are used in high-risk occupations like construction or freight, the cost of your premiums will affect that.

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.

No. You need a specific insurance policy for your van.

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.

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But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.

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