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Any driver van insurance

What is any driver van insurance?


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¹ Accurate as of January 2023

What is any driver van insurance?

Any driver van insurance doesn’t generally mean literally anyone can drive your van. In most cases, it refers to any driver you include on a list of named drivers you provide, usually up to a maximum of five people.

Some providers offer business van insurance for any driver, including unnamed drivers, but these still come with restrictions on who is permitted to drive; you might, for example, be offered van insurance for any driver over 25. That’s why it’s important to always check the rules when you compare van insurance for any driver.


Who needs any driver van insurance?

Any driver van insurance is often aimed at businesses with several employees who need to be insured to drive the same van, whether that’s to travel to a place of work such as a building site or to deliver goods or services to a range of local clients. However, if your business has more than one van, you may need a different type of business van insurance, such as multi-van insurance or fleet van insurance instead.

You may also need an any driver van insurance policy if you want various members of your family to be covered to drive a van you keep for personal use. Either way, buying a policy of this kind is easier, more flexible – and often cheaper – than taking out separate policies for each person.

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Types of any driver van insurance

The type of any driver van insurance you need will depend on how you intend to use your van. With commercial van insurance, there are three main classes of use:

  • Carriage of own goods

    You’ll use the van to carry your own goods, for example tools or equipment you use as part of your business

  • Hire and reward/courier

    You’ll use the van to carry goods belonging to other people, for example as a delivery driver or courier

  • Haulage

    ·       You’ll use the van for long-distance deliveries, usually business to business

What level of van insurance is available?

There are usually three different levels of any driver van insurance to choose from:

  • Comprehensive cover

    Comprehensive van insurance covers your vehicle if it’s accidentally damaged by you or another driver, or as a result of fire or theft. It also covers any damage you cause to people or vehicles while you’re driving

  • Third-party only cover

    Third-party only van insurance is the minimum level of cover with which you can drive a van. It covers damage to another person’s vehicle or property – but not to your own

  • Third-party, fire and theft (TPFT) cover

    Third-party, fire and theft van insurance provides third-party-only protection, and also covers damage caused by fire, lightning, explosion, theft or attempted theft

What does an any driver van insurance policy include?

Any driver van insurance policies can include cover for:

The extras you can add to your policy

Any driver van insurance can be taken out with a range of add-ons, such as:

  • 1

    Breakdown cover

    Adding this cover (which can also be bought separately) means your insurer will pay for someone to help you if your van breaks down

  • 2

    Courtesy van insurance

    Sometimes offered alongside breakdown cover, this allows you to stay on the road if your van is damaged or in need of repairs

  • 3

    Windscreen cover

    If windscreen claims are not included as standard, you can usually pay extra to add cover for any repairs you need

  • 4

    Legal expenses cover

    This add-on covers the cost of claiming damages from a third party or defending yourself against a claim made by someone else

  • 5

    Personal belongings insurance

    Useful if you want to use your van to transport valuable personal items, this type of cover allows you to claim if they are stolen or damaged

  • 6

    Goods-in-transit insurance

    Available as standalone cover or a policy add-on, this offers similar cover for any goods you transport for commercial or business purposes

  • 7

    European van insurance

    A standard van insurance policy will only cover you to use your vehicle in the UK; if you want to drive overseas, you’ll need to pay more for extra cover

  • 8

    Public liability insurance

    Often offered alongside business van insurance, public liability insurance covers you if you injure someone or damage their belongings while working with your van

  • 9

    Employers’ liability insurance

    Employers’ liability insurance covers you for injuries to your employees and is only necessary if you are an employer

How many vans can I insure with a fleet policy?

The most common restriction linked to any driver van insurance is the minimum age of the drivers included on the policy. Many providers will only offer cover for drivers who are at least 25 years old, while those that do insure younger van drivers still charge higher premiums because drivers in this age group are involved in more accidents.

If any of your named drivers are aged below 25, you are likely to pay more for an any driver van insurance as a result.


How a get cheaper any driver insurance?

Steps you can take to lower the cost of any driver van insurance include:

  • 1

    Compare van insurance quotes

    You can almost always save money by shopping around – and it’s quick and easy to compare quotes from a range of insurers with MoneySuperMarket

  • 2

    Choose a low insurance group van

    When shopping for a van, remember that choosing one that falls into a lower insurance group can help to cut your premiums

  • 3

    Lower mileage

    Reducing the time your van spends on the road can also help to lower your insurance costs, as it will mean you’re less likely to be involved in an accident

  • 4

    Pick a higher voluntary excess

    Choosing to pay a higher voluntary excess towards any claims shows insurers you are not going to make lots of small claims on your policy

  • 5

    Take extra security measures

    Insurers will sometimes offer discounts when you take steps to keep your van more secure, such as installing an alarm or parking it in a locked garage overnight 

  • 6

    Avoid modifications

    Altering your van will generally mean paying more for insurance, although personalised signage can actually reduce the likelihood of your van being stolen

If you’re not sure if an any-driver van policy is right for you, there are other options to consider:

  • Temporary van insurance – If you need someone to driver your van for a short period of time, short-term van insurance could be a better option for you. Cover can range from on hour to 84 days

  • Named driver van insurance – You can typically name up to four drivers on a single-van policy, so it might work out cheaper if you only need insurance for a few people, especially if they are experienced drivers over 25.

  • Multi-van insurance – if you have multiple vans to insure, a multi-van policy could work out cheaper than insuring each vehicle individually. Most multi-van policies are arranged on an any driver basis, so any named employee can drive any vehicle included in the policy. Again, the drivers’ ages and driving histories will have an impact on the cost of your premium, as will the type of vans you want to add. 

Any-driver van insurance is usually pricier than adding named drivers to a regular van policy. But it does mean that more people can drive the van. The price of premiums can also vary between insurance providers, that’s why it’s a good idea to shop around and compare a range of quotes.

Other things that can affect the cost of any driver van insurance include:

  • Drivers’ ages: You’ll likely pay more for young drivers under 25, while more experienced drivers with clean driving records could help balance out the cost of your premium.

  • Business or personal use: Business van insurance is often more expensive than cover for private use because a van is likely to be driven a lot more for work purposes, and by more people.

  • Van size: heavier, more powerful vans will typically be more expensive to insure than smaller, lighter models.

  • What you’re transporting: You’ll typically pay a higher premium if you use the van to transport goods and/or machinery, as there’s a risk of them being stolen or damaged. 


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