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Van insurance

Super save when you compare van insurance quotes

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Compare cheap van insurance quotes from 34 brands*

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

company logo for Autonet protectcompany logo for Van line directcompany logo for Admiralcompany logo for Quoteline directcompany logo for Rightsurecompany logo for Gladiatorcompany logo for Quote detective

* Accurate as of May 2022

 

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. 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.

Do I need van insurance?

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

 

 

What level of van insurance is available?

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 policies to bolster the protection for your van

Do I need business or private van insurance?

Van insurance offers the same levels of cover as car insurance, but class of use works slightly differently.

  • Private van insurance

    A private van insurance policy will only cover you for using your van for everyday things, such as:

    • Trips to the shops

    • Holidays

    • Visiting friends and family

  • Business van insurance

    A business van insurance policy is what you’ll need if, as well as the above, you also use your van for:

    • Commuting, even to a single place of work

    • Making deliveries 

    • Transporting business equipment 

What type of van insurance do I need?

Depending on how you use your van, you’ll need to specify which type of can insurance policy you’ll need to take out:

  • Haulage

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

  • Fleet

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

  • Multi-van

    Cover for multiple vans under one policy, but not necessarily for business usage

  • Short-term

    Temporary cover you can take out for your van lasting anywhere from hours to days

  • Specialist

    Specialist cover you might need if you have a classic van, caravan or motorhome

How much does van insurance cost?

 

The cost of van insurance will depend on a range of factors, including:

  • Your age: Younger drivers generally see higher insurance premiums for vehicles, as they’re seen by insurers as being at a higher risk of having an accident 

  • Your occupation: Some occupations also carry high risks, so you’ll likely pay more for cover if you have what insurers see as a risky job

  • Your location: Some areas of the country also see higher rates of crime or road accidents, so insurance usually costs more in these locations 

  • Your driving and claims history: If you have a history of motor insurance claims or driving convictions, this is likely to increase your premiums 

  • Your van: Vans are sorted into insurance groups just like cars, and those in higher groups are usually more expensive to insure

 

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:

  • 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

  • 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

  • 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

  • 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

  • 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

  • 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

Remember a quick and easy way to find the cheapest available quotes offering the cover you need is to compare van insurance quotes with MoneySuperMarket.

 

Why compare van insurance quotes with MoneySuperMarket?

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

  • It doesn’t take long

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

  • We’ll search for savings

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

  • 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:

  • Breakdown cover

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

  • Courtesy vehicle

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

  • Legal cover

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

  • 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

  • Employers’ liability cover

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

  • Tool cover

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

  • 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

  • Wrong fuel cover

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

  • Multi-van cover

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

  • 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.

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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You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.

 

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