Any Driver Van Insurance

What is any driver van insurance?

Any driver van insurance allows more than one person to drive your van under the same policy. In most cases, this means a list of named drivers you provide to your insurer, usually up to five people.

Some insurers offer wider cover for businesses, letting any employee drive the van. However, this still comes with restrictions – such as cover only applying to drivers over 25.

Because the rules vary, it’s always worth checking the details carefully when you compare any driver van insurance.

Any driver van insurance is most useful for businesses where several employees need access to the same van – for example, travelling to sites or delivering goods to customers.

This type of cover can also work for personal van use, if you want different family members to be able to drive the same van without arranging separate policies.

💡 Top tip:

If your business uses more than one vehicle, you may be better suited to:

multi-van insurance (for 2-5 vehicles)
fleet insurance (for more than 5 vehicles)

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Carriage of own goods

Cover for carrying tools, equipment or other items you use in your work
Hire and reward (courier)

Cover for transporting goods that belong to other people, such as deliveries
Haulage

Cover for long-distance deliveries, often between businesses

Fully comprehensive

✔ Covers your van if it’s damaged in an accident
✔ Includes fire and theft protection
✔ Covers damage you cause to other people or their vehicles
Third-party, fire and theft

✔ Provides third-party only protection
✔ Also covers fire, lightning and explosion damage
✔ Includes theft or attempted theft of your van
Third-party only

✔ Minimum legal level of cover
✔ Pays for damage to another person’s vehicle or property
✔ Does not cover damage to your own van

Does any driver van insurance cover the contents of my van?

Most van insurance policies don’t include contents cover as standard. You’ll usually need to add it to your policy, or choose a specialist option.

You could protect:

Tools and equipment
Parcels and packages
Business goods
Personal belongings

🚩 Business goods are usually covered by goods-in-transit insurance, which is a type of business insurance

How much does van insurance cost?

£552

.80^

This is the average cost of comprehensive van insurance policies purchased by MoneySuperMarket customers.

Your own policy may be higher or lower, depending on factors like:

The age, experience and driving history of all named drivers
The number of drivers included on the policy
The type, size and value of the van
How the van is used
Annual mileage and typical journey distance
Any voluntary excess you agree to pay

Breakdown cover

Pays for roadside help if your van breaks down.
Courtesy van insurance

Provides a replacement van while yours is being repaired.
Windscreen cover

Covers the cost of windscreen repairs or replacement.
Legal expenses cover

Helps with the cost of making or defending a claim after an accident.
European cover

Extends your policy so you can drive your van abroad.

Who is eligible for any driver van insurance?

Any driver van insurance isn’t available to everyone. Most insurers set rules about who can be included on the policy:

Age limits – many insurers only cover drivers aged 25 or older. Some will insure younger drivers, but the cost is usually much higher
Driving history – insurers may require drivers to have held a licence for a minimum number of years
Claims and convictions – drivers with convictions, previous claims or points on their licence may face higher premiums or limited cover

If any of your named drivers are considered higher risk, you’re likely to pay more for your any driver policy.

Compare van insurance quotes

Shopping around is one of the easiest ways to save, and you can quickly compare prices from different insurers with MoneySuperMarket.

Choose a van in a lower insurance group

Vans in lower groups usually cost less to insure, so your choice of vehicle can make a big difference.

Keep mileage low

Driving fewer miles reduces your accident risk, which can help bring down premiums.

Pick a higher voluntary excess

Agreeing to pay more towards a claim can lower your upfront insurance costs.

Add extra security

Features like alarms, immobilisers or parking in a locked garage may earn you a discount.

Avoid modifications

Most modifications push up the price of insurance, although professional signage can sometimes reduce theft risk.

Our expert says…

Any driver van insurance can work well for small businesses with one van being driven by multiple people. It is more flexible than standard insurance but it’s important to check for restrictions around age or holding a clean licence for a set length of time, which may make it unsuitable for younger, less experienced drivers. If you have more than one van with multiple drivers it’s worth looking at fleet insurance instead.

Sarah Tooze Car & Van Insurance Expert

More van insurance guides

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Employers' liability

Employers’ liability insurance protects you if your staff become ill or injured at work.
Public liability

Public liability insurance protects you if your work harms members of the public.
Tool insurance

Tool insurance protects tools from loss, damage, or theft.
Business contents

Business contents insurance protects equipment, including in home offices.
Business buildings

Commercial building insurance protects offices and workplace buildings.
Legal expenses

Legal expenses insurance covers legal fees and offers legal and tax support services.
Product liability

Product liability insurance covers legal fees if your product causes injury to a customer.
Income protection

Income protection insurance pays out for accidents, illness and unemployment.
Business interruption

Business interruption insurance protects against disruption from events like fires.

Get business insurance

What type of driving licence do you need to drive a van?

In the UK, you can usually drive a standard van on a Category B car licence, but larger vans may require a Category C1 licence.

All drivers must hold a valid driving licence to be added to a van insurance policy. Provisional licence holders can sometimes be included, though premiums are higher and restrictions apply.

Can I drive a van under my car insurance?

Usually not. Most car insurance policies don’t extend to vans, and those that do may only give basic third-party cover. You’ll almost always need separate van insurance.

What happens if a driver causes an accident under an any driver van policy?

If a driver covered under your any driver policy causes an accident, the claim is made against the policyholder — not the individual driver.

This means your business or personal policy will cover the costs, but your no-claims discount may be affected and your premium is likely to rise at renewal.

The driver themselves won’t usually see their own personal no-claims bonus impacted, unless the van is insured in their name.

How many drivers can I name on an any driver van insurance policy?

It depends on the insurer. Some any driver van policies let you name several drivers — usually up to five. Others offer open any driver cover, where anyone who meets the insurer’s conditions (such as being over 25 with a full licence) can drive the van.

Does any driver van insurance cover trailers or towing?

Standard van insurance doesn’t usually include trailer cover. If you tow a trailer, you’ll need to tell your insurer and either add it to your policy or take out separate trailer insurance.

What are the alternatives to any driver van insurance?

If an any driver policy isn’t right for you, options include:

Named driver van insurance – covers a set number of named drivers, often cheaper if they’re experienced
Temporary van insurance – short-term cover for borrowing or lending a van
Multi-van or fleet insurance – for businesses running several vehicles, often arranged on an any driver basis

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You can find out more about how we make money here.

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.

Does MoneySuperMarket work with all the providers on the market?

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.

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What is any driver van insurance?

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Carriage of own goods

Hire and reward (courier)

Haulage

Fully comprehensive

Third-party, fire and theft

Third-party only

Does any driver van insurance cover the contents of my van?

Breakdown cover

Courtesy van insurance

Windscreen cover

Legal expenses cover

European cover