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Van insurance
Compare quotes for van insurance.
Prices from £271
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What is van insurance?
Van insurance is a type of motor insurance designed to protect you financially if your van is involved in an accident, causes damage, or is stolen.
The type of cover you need depends on how you use your van:
Private van insurance is suitable if you use your van for personal or leisure purposes.
Business van insurance is needed if you use it for work, such as transporting goods or equipment.
Fleet insurance is for businesses that use multiple vans.
🚩 It is illegal to drive a van without insurance in the UK. You could be fined £300 and get 6 penalty points on your licence.
What type of van insurance do I need?
There are three types of van insurance:
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Fully comprehensive
✔ Highest level of protection
✔ Covers damage to your own van, even if you’re at fault
✔ Covers damage or injury you cause to other people, vehicles or property
✔ Usually includes fire and theft cover
-
Third-party, fire and theft
✔ Covers damage or injury you cause to other people or their property
✔ Covers your van if it’s stolen
✔ Covers your van if it’s damaged by fire
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Third-party only
✔ Covers damage or injury you cause to other people, vehicles or property
✔ Meets the legal minimum requirement to drive in the UK
How much does van insurance cost in 2026?
The majority of MoneySuperMarket customers currently pay these prices or less for the different types of van cover:
Fully comprehensive
£754
.55^
Third party, fire and theft
£854
.52^
Third party
£972
.68^
How does van insurance work?
Van insurance claims are classed as 'at-fault' or 'non-fault'. The key difference is who pays: a fault claim usually means your insurer cannot recover their costs from another party, whereas a non-fault claim means they can.
-
-
Collect evidence
Take photos, gather witness details and exchange information with other drivers.
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Make a claim
Your insurer will assess whether the claim is valid and, if so, if it is classed as at-fault or non-fault.
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Settlement
If the claim is accepted, your insurer will arrange van repairs or compensation.
What does fully comprehensive van insurance cover?
🚩 Cover can vary between insurers. Always read your own policy documents carefully to see what you're covered for.
-
Usually covered
Injury to other people
Damage to other vehicles or property
Theft of your van
Repairs to your own van after an accident
Fire, flood, or storm damage
-
Usually not covered
Theft if the van was left unlocked or unsecured
Driving without a valid licence or insurance
General wear and tear
Accidents while driving under the influence of alcohol or drugs
Incidents that occurred while the van was being driven by someone not named on your policy
What optional extras can I get with van insurance?
Whether an add-on is worth paying for depends on how you use your van. For example, breakdown cover can be valuable if you rely on your van daily, while tool or goods-in-transit cover matters more if you carry equipment for work. Business van users often particularly benefit from broader protection as it can help avoid lost income.
Breakdown cover
Van breakdown cover provides roadside assistance, recovery and onward travel if your van breaks down. 17%
No-claims discount protection
No-claims discount protection allows you to make a limited number of claims without losing your no-claims discount.
Courtesy van
Courtesy van insurance gives you a temporary replacement van while yours is being repaired after an insured claim. 19%
Legal expense cover
Legal expenses cover helps cover legal costs if you need to pursue an uninsured loss or defend a claim after an accident.
It is one of the most popular types of van insurance add-ons, with 24%
Personal belongings cover
Personal belongings cover protects personal items kept in your van if they are stolen or damaged. There will be limits on how much you can claim for, and exclusions (for example, the car can't have been unlocked).
If you want to fully protect higher-value personal items like an expensive handbag or a smartphone, you may need to look into personal possession insurance (usually sold as a home insurance add-on) or gadget insurance.
Wrong fuel cover
Misfuelling cover pays for draining and repairing your van if the wrong fuel is added.
Tool cover
Tool cover protects work tools stored in your van against theft or damage, usually up to a set limit. It can also be taken out separately as part of your business insurance.
Goods in transit cover
Goods in transit cover insures items or materials you’re carrying for work if they’re lost, stolen or damaged in transit.
Any driver cover
Any driver cover allows any eligible driver to drive the van, which can be useful if you share it with employees or colleagues.
Premiums are usually higher, and insurers may still apply age, licence or experience limits.
What is the average price of adding breakdown cover to van insurance?
£60^
What is the average price of adding legal cover to van insurance?
£25^
How many van drivers add extra cover to their insurance?
23%^
Why is van insurance more expensive than car insurance?
At £754.55
This is because vans are statistically riskier and more costly for insurers to cover than cars. They’re typically larger, driven for longer hours, and more likely to be used for work, which increases exposure to accidents, theft and high-value claims.
According to Consumer Intelligence, a market researcher, average prices for van insurance have risen by 179%
But the picture is improving. Consumer Intelligence data shows quoted premiums fell by 8.9%
How can I get cheaper van insurance?
How much you pay for van insurance depends on a mix of things you can control and things you can’t. Focusing on the first category will help you save money.
Category | Action | Average Saving |
|---|---|---|
Class of use | Social, domestic and pleasure use only | 40.28%^ |
Van size | Vehicle under 2 tonnes | 23.32%^ |
No claims discount | 4+ years no claims discount | 17.06%^ |
Voluntary excess | Set voluntary excess to £350 | 11.21%^ |
Purchase time | Buy 28 days early | 8.04%^ |
Type of payment | Pay annually | 4.96%^ |
Overnight parking | Parked on driveway | 9.23%^ |
What impacts the price of van insurance?
Your age and driving experience – younger or less experienced drivers pay more
Where you live – areas with higher theft or accident rates tend to cost more
Your van type – larger, more powerful or higher-value vans cost more to insure
How you use your van – insuring it for social use only is cheaper than business use
Your driving and claims history – accidents and convictions usually increase premiums
Your level of cover – although less cover isn't always cheaper
Your excess – choosing a higher excess can lower your premium, if you can afford it
Optional add-ons – only pay for extras you actually need
Where you park – secure parking, such as a garage or driveway, can reduce risk
Security – alarms, immobilisers and secure parking can all help reduce costs
When you buy – arranging cover in advance is often cheaper
How you pay – paying annually can be cheaper than monthly instalments
What's the cheapest price I could be quoted for van insurance?
£271^
10% of customers currently pay this price or less for comprehensive van insurance.
What are the cheapest models of van to insure?
VOLKSWAGEN TRANSPORTER T28 T/LINE TDI 102
^ FIAT DOBLO CARGO SX 16V MJET
^ PEUGEOT PARTNER S L1 HDI 75
^
When is the best time to renew my van insurance?
The best time to renew your van insurance is 28
Van drivers who buy insurance 28 days early save an average of £89.70
Number of days before your renewal date | Average saving |
|---|---|
0 (renewing on the day) | £0 |
1 | £19.75 |
10 | £59.29 |
20 | £72.82 |
28 | £89.70 |
30 | £58.76 |
Is it more expensive to insure an electric van?
Yes, electric vans are often more expensive to insure than petrol or diesel models.
While they’re generally safer and cheaper to run, electric vans can cost more to repair after an accident due to specialist parts, battery systems and fewer approved repairers. The higher upfront value of many electric vans can also push premiums up.
However, prices are starting to come down as electric vehicles become more common and repair networks expand.
Electric Vans | Petrol Vans | Diesel Vans |
|---|---|---|
£620 | £567 | £547 |
Can I get van cover with a driving conviction or criminal record?
Yes, it is usually still possible to get van insurance for convicted drivers.
However, during the time that your conviction is unspent your insurance premiums will likely be higher and you may need to get cover from a specialist insurer.
How can business owners save money on van insurance?
Business van insurance is usually more expensive than private van insurance because work use typically means a greater risk of claims. but there are ways to keep costs down:
Choose the right class of use – Only pay for the business cover you actually need.
Limit named drivers – Restricting cover to a small number of experienced drivers can reduce risk and lower premiums.
Fleet insurance – Multi-van policies often start to be cost-effective once you’re insuring two or three vehicles, and can be particularly good value for businesses with five or more vans.
💡 Top tip: Fleet policies usually come with a single renewal date and shared no-claims history, which can also reduce admin.
Our expert says…
According to a report from Consumer Intelligence, van insurance premiums fell by 8.9% in 2025. With prices showing signs of decline, now could be a great time to compare quotes to ensure you're on the best rate available for the cover you need.
As always, it’s important to make clear whether you use your van for work, pleasure or both, as this can have a big impact on the price you end up paying. 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 Motor & Home Insurance Expert
What are the different types of van insurance?
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Private van insurance
For vans used only for personal purposes, such as hobbies, moving house, or running everyday errands.
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Business van insurance
Designed for vans used in connection with work, covering activities such as transporting tools, goods, or making deliveries.
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Temporary van insurance
Short-term cover lasting from a few hours to several weeks, ideal for borrowing a van, moving house, or test driving before purchase.
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Courier vans
Tailored for vans used in frequent deliveries and collections, where high mileage and stop-start driving carry higher risk.
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Pick-up trucks
Applies to vehicles with a cabin and open cargo bed. The policy depends on whether the vehicle is used privately or commercially.
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Young drivers
Aimed at drivers under 25, who typically face higher premiums due to limited experience.
Compare cheap van insurance quotes from 47^ providers
Easily compare quotes for both commercial and private van insurance from over 47
Why should I compare van insurance quotes with MoneySuperMarket?
-
We're trusted
All our 47
^ van insurers are authorised and regulated by the Financial Conduct Authority (FCA) -
Rated 4.7/5 on Feefo
We're also the UK's most recommended price comparison website
^ -
Earn rewards
Buy through us and get up to £15
^ , plus other SuperSaveClub rewards -
Save money
Save by comparing quotes. Plus, we price match and will give you £20 if you find a cheaper deal
^
Want rewards, cashback and free experiences? We've got you....
-
Earn up to £20^ every time you buy
We’ll reward you every time you make a purchase. Exchange your earnings for a gift card for Amazon.co.uk
^ , Sainsbury’s & more -
Free experiences
A years worth of free experiences across the UK. From London Zoo and Go Ape, to Hussle Swimming and English Heritage, there’s an adventure for everybody. Worth £180
^ . -
Cashback
Whether you're buying clothing, homewares or takeaways, earn up to 10%
^ cashback from brands like Just Eat, eBay & Argos. -
Refer a Friend
You and your friends each get up to £20 when they join the Club and make a qualifying purchase. Win-Win!
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
What do I need to get a van insurance quote?
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Your details
Your details – including your age, address, occupation, and driving history, along with the same information for any named drivers.
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Details of the van
Vehicle details – the van’s registration number, make and model, age, estimated value, and details of any modifications.
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What you'll use the van for
Usage information – how you plan to use the van (private, business, or courier), your annual mileage, and where the van will be kept overnight.
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No-claims discount
No-claims discount – the number of years you’ve held a no-claims bonus, which can help reduce your premium.
An example quote from the past two days
Van insurance guides and expert tips
Do I need commercial or private van insurance?
It depends on how you use your van. Private van insurance is only suitable for social, domestic or leisure use, such as personal errands or hobbies. Commercial van insurance is needed if you use your van for work in any way, including commuting to job sites, carrying tools or equipment, or making deliveries.
Even occasional business use matters. If you use your van for work but only have private cover, your insurer could refuse to pay out on a claim and may cancel your policy altogether. To avoid declined claims, it’s important to insure your van for its actual use, even if work-related driving only makes up a small part of how you use it.
Can I insure more than one van under the same van insurance policy?
Yes. Many insurers offer multi-van insurance policies, which allows you to cover two or more vans under a single policy. This can be cheaper and easier to manage than arranging separate policies, as insurers may offer discounts and combine renewals into one date.
Multi-van policies are often cost-effective once you insure two or three vehicles, particularly for self-employed tradespeople, families with multiple vans, or small businesses.
For larger operations (usually five or more vehicles), a fleet policy may be better value, with pricing based on overall risk rather than each van individually and more flexible driver arrangements, though often with higher excesses and less individual tailoring.
Can I add other drivers to my van insurance policy?
Yes, most insurers allow you to add additional drivers to your van insurance policy. You can choose to add them as named drivers, who are specifically listed on your policy, or take out any driver van insurance, which lets anyone meeting the policy requirements drive the van.
Adding extra drivers can increase the cost of your premium, especially if they are young or inexperienced, but it may be more convenient if more than one person needs regular access to the vehicle.
Will my van insurance cover me for driving abroad?
Many van insurance policies include some level of cover for driving abroad, but the countries included and the extent of cover will vary by provider. In many cases, your comprehensive policy may only provide third-party cover while in Europe, unless you arrange an upgrade.
If you plan to take your van abroad, always check your policy documents in advance. You may also want to add European breakdown cover, which can be bought separately or as an add-on to your van insurance, to ensure you’re protected if your van breaks down while overseas.
What insurance group is my van?
The lower your insurance group, the cheaper your van will be to insure.
Vans in the UK are placed into one of 50 insurance groups, ranked from the cheapest to the most expensive to insure. The group your van falls into depends on factors such as its value, size, performance, repair costs, and security features.
In general, vans in lower groups are cheaper to insure, while larger, more powerful, or rare models are placed in higher groups and attract higher premiums. You can check your van’s insurance group through your insurer, dealer, or an online insurance group checker.
Can I use my no-claims discount on van insurance?
Yes, most insurers let you use your no-claims discount (NCD) when taking out van insurance, even if it was built up on a car or motorbike policy. However, an NCD can usually only be applied to one active policy at a time, meaning you cannot use the same discount across multiple vehicles simultaneously.
If you switch providers, you may need to provide proof of your no-claims history, so it’s important to request this from your previous insurer to ensure you receive the correct discount.
Can I get black box insurance for my van?
Yes, black box (telematics) insurance is available for vans. A small device fitted to your van, or a mobile app, monitors how you drive, including speed, braking, acceleration and the times of day you’re on the road. Insurers use this information to assess risk and usually base your renewal price on your driving behaviour.
Telematics policies tend to benefit younger or less experienced drivers, new van owners, and anyone quoted a high initial premium. If you drive smoothly, avoid harsh braking and stick to speed limits, you’re more likely to see lower premiums at renewal. For businesses, black box insurance can also help monitor driving standards across multiple vans and encourage safer driving, which may reduce claims over time.
Can I get short-term van insurance?
Yes, you can take out temporary van insurance if you only need cover for a limited time instead of committing to an annual policy. Short-term policies are flexible, with options ranging from a single day to several weeks or months.
This type of insurance is ideal if you are borrowing a van, moving house, test driving a vehicle, or need occasional business use without taking out a full policy. Temporary cover provides the same legal protection as standard van insurance but only for the period you choose.
Can I drive my van with my car insurance?
No, in most cases a standard car insurance policy will not cover you to drive a van, particularly if it is used for business purposes.
Some comprehensive car policies include third-party cover for driving other vehicles, but this often excludes vans or applies only to smaller, privately used models.
Because cover varies by insurer, you should always check your policy documents before driving a van. If you need regular access, it’s usually safer and more cost-effective to take out a dedicated van insurance policy.
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At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
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We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
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No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is van insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy van insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is van insurance eligible for Price Promise?
Yes, van insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 22 Jan 2026 by
Based on the 10th percentile of annual prices for van insurance policies sold through MoneySuperMarket in November 2025 where the covertype was Comprehensive.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on the median annual price of comprehensive van insurance policies sold through MoneySuperMarket between September 2025 and November 2025.
Based on the median annual price of comprehensive van insurance policies sold through MoneySuperMarket between September 2025 and November 2025.
Based on the median annual price of comprehensive van insurance policies sold through MoneySuperMarket between September 2025 and November 2025.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Accurate as of 22 January 2026.
Based on the van insurance policies sold through MoneySuperMarket between September 2025 and November 2025.
Based on the van insurance policies sold through MoneySuperMarket between September 2025 and November 2025.
Based on the van insurance policies sold through MoneySuperMarket between September 2025 and November 2025.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
T&Cs apply to SuperSaveClub and Price Promise.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
Based on the average annual prices for van insurance policies sold through MoneySuperMarket in November 2025 where the covertype was Comprehensive.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in November 2025, with one driver who has held their licence for at least one year.
Data from Consumer Intelligence Van Insurance Price Index, 2025. Source: https://www.consumerintelligence.com/articles/van-insurance-premiums-fall-8.9-as-market-deflation-accelerates
Data from Consumer Intelligence Van Insurance Price Index, 2025. Source: https://www.consumerintelligence.com/articles/van-insurance-premiums-fall-8.9-as-market-deflation-accelerates
Data from Consumer Intelligence Van Insurance Price Index, 2025. Source: https://www.consumerintelligence.com/articles/van-insurance-premiums-fall-8.9-as-market-deflation-accelerates
Based on the median annual price of van insurance policies sold through MoneySuperMarket between September 2025 and November 2025 where there was 1 driver with a full UK driving licence held for at least 12 months, with more than 20 sales in the period.
Based on the median annual price of van insurance policies sold through MoneySuperMarket between September 2025 and November 2025 where there was 1 driver with a full UK driving licence held for at least 12 months, with more than 20 sales in the period.
Based on the median annual price of van insurance policies sold through MoneySuperMarket between September 2025 and November 2025 where there was 1 driver with a full UK driving licence held for at least 12 months, with more than 20 sales in the period.
Based on the average annual prices for van insurance policies sold through MoneySuperMarket in November 2025 where the covertype was Third party only.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Based on the average annual prices for van insurance policies sold through MoneySuperMarket in November 2025 where the covertype was Third party, fire & theft.
Based on van insurance policies sold through MoneySuperMarket between September 2025 and November 2025 where the user requested Breakdown Cover and it wasnt included as standard cover.
Based on van insurance policies sold through MoneySuperMarket between September 2025 and November 2025 where the user requested Legal Cover and it wasnt included as standard cover.
Based on the van insurance policies sold through MoneySuperMarket between September 2025 and November 2025.
