Third party
A third-party insurance policy for your classic van means you’ll be covered for the cost of any damages you cause to another person, their vehicle, or their property
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* Accurate as of August 2022
Classic van insurance is a type of motor insurance that is designed specifically to cover vans of a certain age or vintage.
The definition of a classic van varies between insurers, but typically, it must be over 20 years old. It’s a good idea to check with the insurance company you’re considering whether your vehicle falls under the category.
You might need to take out a classic van insurance policy if your van is past a certain age, as a standard van insurance policy may not provide adequate cover or could be too expensive.
Classic van insurance policies can also include specialist coverage. This can include repairs, which can be more expensive on classic cars, especially where vintage parts are hard to source. Other extra provisions include for restoration, exhibitions, and races.
NB: 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.
The types of cover you can get for your vintage van are the same as for a standard motor insurance policy:
A third-party insurance policy for your classic van means you’ll be covered for the cost of any damages you cause to another person, their vehicle, or their property
A third-party, fire, and theft policy covers everything that third-party does, as well as if your van is stolen or damaged as a result of a fire
This is the highest level you can get. It covers the same as the first two policies, plus the cost of any accidental damage done to your van
If you’re only using your classic van for fun and recreational use, not commuting a social only policy could be a good choice
If you use a classic van as your company vehicle to stand out and attract attention, you’ll need to take out a business van insurance policy
Classic van enthusiasts may visit rallies, events and exhibitions with their vehicle. Some insurers see this as high-risk, so you might need a specialist policy to be covered fully
Insurers consider more than just the age of the van when they calculate the cost of insurance:
Older drivers are generally more experienced, and insurers therefore see them as a low risk of making a claim
The crime rate in your area tells the insurer how likely you are to make a claim
If you’ve made a number of claims in the past, it can increase you premiums
The more years of no-claims bonus you have, the cheaper your van insurance should be
Every job has a risk score allocated by the insurance which will cause the cost of insurance to rise and fall
Keeping your van on the street or without an alarm could be seen as a bigger risk than keeping the van in a locked garage
"Owning a classic van is something to take pride in, so you’ll want to make sure you have the right cover in place to protect it. Running a quote with MoneySuperMarket lets you compare policies and find the best cover to suit you and your vintage vehicle.
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- Sara Newell, Motor and Van Insurance Lead
Our mission is to make it effortless to find cheap car insurance quotes, so you can get on with enjoying the open road.
Just pop in a few details about yourself, your car, and the cover you need
We’ll do the legwork to find the cheapest car insurance that offers the cover you need
We’ll show you the options that suit you the best, and you pick the one you like
Some ways to reduce your classic van insurance premiums include:
Don't estimate: Over or underestimating your mileage could have you paying more than you need to, or lead to your policy being invalidated
Improve security: Increase security by installing alarms, getting a tracker or immobiliser, and storing the van safely overnight
Be honest: If your van has been modified your insurance will cost more - you’ll need to declare changes to the bodywork, suspension, brakes, engine and exhaust to your insurer
Some specialist insurers offer agreed value policies to cover your classic van. This means that rather than using the standard market value of the make and model, an independent party assesses your vehicle to get a more accurate picture of its worth.
These policies can be more expensive, however they also mean you’ll be adequately covered should anything happen to your classic van.
When you insure your classic van, you’ll have the option of adding extras to your policy to boost your level of cover. These can 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
One way you might be able to bring the premiums down for your classic van is by joining a classic van membership club. This is because insurers could see this as proof that you’re dedicated to your van and would therefore take a lot of care with it – as a result they may offer you a discount on your premiums.
It’s important to remember that the price of membership may well cancel out the discount you get, but you might also have more access to technical advice, spare parts, and a thriving social scene.
You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.
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