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Van insurance
Compare quotes for van insurance.
Prices from £272
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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.
There are three main levels of cover. Third-party is the minimum legal requirement, covering damage or injury caused to others. Third-party, fire and theft adds protection if your van is stolen or damaged by fire. Fully comprehensive cover offers the highest level of protection, often at competitive prices, and includes repairs to your own van even if you are at fault, as well as cover for other vehicles, property, injuries, and some legal costs.
Why do I need insurance?
You must have van insurance by law to drive in the UK. It ensures you are financially protected if your van is involved in an accident, stolen, or causes damage or injury to others.
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. If you use it for work, such as transporting goods or equipment, you will need business or commercial cover to remain legally compliant and properly protected.
Compare cheap van insurance quotes from 46^ providers
Easily compare quotes for both commercial and private van insurance from over 46
What type of van insurance do I need?
The type of van insurance you need depends on how you use your van. If it’s for personal use, such as social or leisure purposes, you can choose private van insurance. If you use your van for work, such as carrying tools, goods, or making deliveries, you’ll need business or commercial van insurance.
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Fully comprehensive
Fully comprehensive – the highest level of protection, covering damage to your own van as well as other vehicles, property, and injuries, even if you are at fault.
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Third-party, fire and theft
Third-party, fire and theft – includes third-party cover plus protection if your van is stolen or damaged by fire.
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Third-party only
Third-party only – the minimum legal requirement, covering damage or injury caused to others but not your own van.
How much does van insurance cost?
The average cost of a comprehensive van insurance policy is around £749.49
Average van insurance prices by policy type
Fully comprehensive: £749.49
^ Third-party, fire and theft: £880.58
^ Third-party only: £1083.36
^
When is the best time to renew my van insurance?
Comparing early can lead to savings. On average, customers who found a new policy 28
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^ |
The average price for van insurance is
£749
.49^
This is the current average price users are paying for comprehensive van insurance.
What's the cheapest price I could be quoted?
£272^
10% of customers paid this price of less for comprehensive van insurance last month.
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How does van insurance work?
Van insurance protects you financially if your van is damaged, stolen, or involved in an accident. What your policy covers depends on the level of insurance you choose, but the process of making a claim is broadly the same:
Report the accident – Notify the police if required and contact your insurer as soon as possible.
Gather evidence – Collect photos, witness details, and exchange information with anyone else involved.
Make a claim – Submit the details to your insurer, including evidence and any forms they request.
Claim settlement – Your insurer will assess the claim, arrange repairs or compensation, and cover costs in line with your policy.
Example scenario
If you are involved in a collision and the accident is your fault, a fully comprehensive policy would cover the repair costs for both your own van and the third party’s vehicle. However, with third-party only cover, your insurer would pay for the third party’s damage, but you would need to cover the cost of repairing your own van.
What does fully comprehensive van insurance cover?
Fully comprehensive van insurance provides the highest level of protection, covering both your own vehicle and third parties. While details vary between insurers, it typically includes:
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What's 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
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What's not covered
Theft if the van was left unlocked or unsecured
Driving without a valid licence or insurance
General wear and tear
Damage caused by uninsured drivers not named on your policy
Accidents while driving under the influence of alcohol or drugs
What optional extras can you get with van insurance?
Van insurance policies can be enhanced with optional extras to give added protection. These may not be necessary for every driver but can be valuable depending on how you use your van. Common add-ons include:
Breakdown cover
Breakdown cover – roadside assistance and recovery if your van breaks down.
Courtesy van
Courtesy van – a temporary replacement vehicle while yours is being repaired.
Legal expense cover
Legal expenses cover – pays legal costs if you pursue or defend a claim after an accident.
Tool cover
Tool cover – insures work tools against theft or damage, available as an add-on or separate policy.
Personal belongings cover
Personal belongings cover – protects personal items in your van against theft or damage (subject to exclusions).
Wrong fuel cover
Wrong fuel cover – covers repair costs if you put the wrong fuel in your van.
No-claims discount protection
No-claims discount protection – keeps your discount intact even if you make a claim.
Why is van insurance so expensive?
Van insurance is often more expensive than car insurance because vans are typically larger, cost more to repair, and are frequently used for business purposes. Rising repair costs, inflation, and the price of replacement parts have also pushed premiums higher across the market.
Your personal circumstances also affect what you pay. Factors such as your age, driving history, the type and age of your van, and how you use it all influence the cost. Business use generally carries higher premiums than private use, as it often involves more time on the road, longer journeys, and carrying goods or equipment, all of which increase risk.
How to get cheaper van insurance
Van insurance can be costly, particularly if you use your van for business or carry goods. However, there are several ways to reduce premiums without compromising cover:
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Pay annually
Paying in a lump sum is usually cheaper than monthly instalments, which often include interest. On average, this could save around £53.78
^ a year. -
Improve security
Parking "On a driveway
^ " rather than "On the street (away from home)^ " can save £105.77^ annually. Adding alarms, immobilisers, or trackers also lowers risk, and avoiding leaving tools or goods in your van overnight can reduce premiums. -
Increase your excess
Agreeing to a higher voluntary excess usually results in lower premiums, but ensure it’s an amount you can afford if you make a claim.
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Shop around
Comparing quotes before renewal is one of the most effective ways to cut costs, as insurers often reserve their best deals for new customers.
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Consider telematics
A “black box” policy that tracks driving habits can reward safe drivers with lower premiums.
Our expert says…
According to a recent study from Consumer Intelligence, van insurance premiums rose by 1.6% in 2024, but prices are now starting to fall.
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
Specialist types of van insurance
Standard policies may not suit every driver or vehicle, which is why specialist van insurance options are available to meet specific needs:
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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. It provides broader protection than private cover.
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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. Specialist cover helps make insurance more accessible for this group.
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
Zego
Policies Powered by the Zego Telematics App: Drive well and you could save at renewal.
Great for
-
Legal cover: comes as standard
But be aware that
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Windscreen cover: not available
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Breakdown cover: available from £59.99
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Personal injury cover: not available
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Courtesy car: not available
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Why compare van insurance quotes with MoneySuperMarket?
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Tailored Cover
We listen to your needs and find the best policies to suit them
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Great prices
We compare quotes from 36 FCA regulated providers to find you the cheapest deals
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Trusted
With 30+ years experience and independence from insurers, we’re trusted by our customers
Van insurance guides and expert tips:
Do I need commercial or private van insurance?
The type of van insurance you need depends on how you use your van. Private van insurance is for social, domestic, or leisure use, such as hobbies or personal errands. Commercial van insurance is required if the van is used for work, including commuting, carrying tools or equipment, or making deliveries.
If your van is used in any way for business, a private policy will not provide sufficient cover and may invalidate your insurance.
Can I insure more than one van under the same van insurance policy?
Yes. Many insurers offer multi-van insurance policies, which allow you to cover two or more vans under a single policy. This can often work out cheaper and easier to manage than arranging separate policies for each vehicle.
Multi-van cover is particularly useful for families with more than one van, self-employed tradespeople with work vehicles, or small businesses running a fleet. Policies usually allow for different drivers, van types, and levels of cover, giving flexibility while keeping costs under control.
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.
Can I drive my van 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, you can take out black box (telematics) insurance for your van. A small device or mobile app records data such as speed, braking, acceleration, and time of travel. Your insurer then uses this information to adjust premiums based on how safely you drive.
Black box insurance can be especially useful for younger drivers, new van owners, or anyone facing high premiums, as safe driving habits may lead to lower renewal costs. It can also help businesses monitor and manage driving standards across multiple vans.
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?
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.
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 8 Dec 2025 by
Based on the 10th percentile of annual prices for van insurance policies sold through MoneySuperMarket in October 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).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the average annual prices for van insurance policies sold through MoneySuperMarket in October 2025 where the covertype was Comprehensive.
Based on the average annual prices for van insurance policies sold through MoneySuperMarket in October 2025 where the covertype was Third party, fire & theft.
Based on the average annual prices for van insurance policies sold through MoneySuperMarket in October 2025 where the covertype was Third party only.
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 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.
Accurate as of 08 December 2025.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information