Third party
This is the minimum level of cover required by law. It protects you against the cost of damage or injury you cause to another person, their vehicle or their property.
However, it doesn’t cover damage to your own van.
Classic van insurance
Find insurance for classic vans
This page gives information about a financial product that’s not currently available through MoneySuperMarket. We hope you find this information useful, but bear in mind that we’re unable to help you buy this product at the moment
What is classic van insurance?
Classic van insurance is a type of specialist motor insurance designed to protect older or vintage vans. The definition of a ‘classic’ van can vary between insurers, but it’s usually a vehicle that’s at least 20 years old and kept in good condition.
If you’re unsure whether your van qualifies, check with your insurer before you take out a policy — each provider has their own criteria.
Why do I need classic van insurance?
You may need classic van insurance if your vehicle is considered too old for a standard policy or if specialist cover offers better protection. Repairs for older vans can be more expensive and time-consuming, especially when parts are rare or need to be sourced from abroad.
Classic van policies can include extra cover for:
Restoration projects, including repairs and replacement parts
Exhibitions or shows, if you display your van publicly
Specialist use, such as vintage rallies or events
These features are designed to reflect the unique value and care involved in maintaining an older vehicle.
MoneySuperMarket does not offer specific classic van insurance. Please check details of your policy carefully, as there could be some limitations. Make sure the cover is what you're looking for and is appropriate for your needs.
What level of cover can I get for my classic van?
The types of cover available for a classic or vintage van are the same as those for a standard motor insurance policy. The main difference lies in how specialist insurers value and repair older vehicles.
Here are the three main levels of cover to choose from:
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Third party, fire, and theft
This policy includes third-party cover, plus protection if your van is stolen or damaged by fire.
It’s a popular middle-ground option if you want more protection without the higher cost of comprehensive cover.
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Fully comprehensive
This is the highest level of protection available. It includes everything in third-party, fire and theft, as well as cover for accidental damage to your own van — even if you’re at fault.
It can also include extras such as windscreen repair, personal belongings cover, and agreed value protection, depending on your insurer.
Classic van usage
How you use your van will affect the type of cover you need. Always check your insurer’s policy definitions carefully to make sure you’re fully protected.
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Social, domestic, and pleasure
If you use your classic van purely for leisure — such as weekend drives or attending shows — a social-only policy may be suitable.
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Business
If your classic van doubles as a company vehicle or promotional tool, you’ll need business van insurance. This type of policy covers commercial use and any additional risks associated with it.
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Events
Many classic van enthusiasts attend rallies, events and displays. Some insurers treat these activities as higher risk, so you might need specialist event cover to stay protected.
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Haulage
If you plan to drive a long distance to make a delivery, you will likely need haulage cover
What affects the price of classic van insurance?
The cost of classic van insurance depends on more than just the age or value of your vehicle. Insurers look at a range of factors to assess risk and calculate your premium.
Here are some of the main things that can influence the price you pay:
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Your age
Older and more experienced drivers are usually seen as lower risk, which can mean cheaper premiums. Younger drivers often pay more because they’re statistically more likely to make a claim.
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Your address
Where you live affects your insurance cost. Areas with higher traffic levels or crime rates are seen as higher risk, which can lead to higher premiums.
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Claims history
If you’ve made several insurance claims in the past, your premium may rise. A clean claims record can help keep your costs down.
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No-claims bonus
Building up a no-claims bonus rewards careful driving. Each claim-free year can earn you a discount on your next premium.
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Your occupation
Insurers assess the risk linked to your job. Occupations involving regular driving or carrying equipment may attract higher premiums than lower-risk roles.
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Security and parking
Keeping your van in a locked garage or using approved security features, such as an alarm or immobiliser, can reduce your risk of theft and may lower your insurance costs.
Our expert says…
If you’ve renovated your van then you should consider having an agreed value policy. This means that you and your insurer agree on the value of your classic van and it’s insured for that amount rather than the insurer simply using the standard market value. Your insurer might ask to see photographs and receipts for parts and labour as proof of any restoration work, and you may need to have a professional valuation from an independent party.
Sara Newell Motor & Home Insurance Expert
How to keep the price of classic van insurance low
There are a few things that you can do that will help you reduce your classic van insurance premiums. These include:
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Don't estimate mileage
Be accurate when stating your annual mileage.
Overestimating can mean paying more than necessary, while underestimating could invalidate your policy if you need to make a claim.
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Improve security
Insurers may offer lower premiums if your van is well protected.
Installing an alarm, immobiliser or tracker, and keeping your van in a locked garage or secure driveway overnight, can all help reduce the risk of theft or damage.
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Be honest
Always declare any changes made to your van, such as updates to the engine, suspension, brakes or bodywork. Undisclosed modifications can affect your cover and may lead to a claim being rejected.
Declaring them upfront ensures your policy is valid and tailored to your van’s true value.
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Why compare van insurance quotes with MoneySuperMarket
Our mission is to make it effortless to find cheap van insurance quotes, so you can get on with enjoying the open road.
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Speedy and simple
Just pop in a few details about yourself, your car, and the cover you need
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See your savings
We’ll do the legwork to find the cheapest car insurance that offers the cover you need
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Confidently pick your policy
We’ll show you the options that suit you the best, and you pick the one you like
What is Agreed value van insurance?
Some specialist insurers offer agreed value policies for classic vans. This means your vehicle is insured for an agreed amount rather than its standard market value. An independent expert usually assesses your van to provide a fair and accurate valuation based on its age, condition and uniqueness.
While agreed value insurance can be more expensive, it ensures you’re properly protected if your van is stolen or written off — helping you recover its true worth, not just its book value.
What extras can I get with classic van insurance?
You can often tailor your policy with optional extras to give you more comprehensive protection. Common add-ons include:
Legal cover: Legal cover can help you meet any legal costs that you incur as a result of your driving
Breakdown cover: Breakdown cover ensures you get assistance if your van breaks down so you can continue your journey
Courtesy van: With a courtesy van policy you’ll get a temporary replacement van if yours breaks down
Use abroad: A use abroad policy insures you for driving your classic van in another country
Windscreen cover: Windscreen cover pays for the cost of replacing your windshield if it gets damaged
Tool cover: Tool cover means you’ll be covered for the cost of replacing or repairing tools that are lost, damaged, or stolen
Can I bring my premiums down by joining a classic van membership club?
Joining a classic van club could help lower your insurance costs. Insurers often see membership as a sign that you take good care of your vehicle and may offer a discount on your premium as a result.
However, club membership fees can vary, so any savings might balance out. Even so, being part of a club can bring other benefits — including access to advice, spare parts, restoration tips and a community of like-minded enthusiasts.
How does MoneySuperMarket make money?
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.
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.
Reviewed on 30 Dec 2025 by
