Fleet van insurance

This is the legal minimum to drive a van. It only covers damage done to another person, their property or their vehicle.

This is the mid-level option for motor insurance, and it adds cover for your business’ vans if they are stolen or damaged by fire or an explosion.

This is the most extensive level of van insurance you can buy.

You’ll use your vans to carry your own goods, for example any tools or equipment which are used as part of your business.

You’ll use your vans to carry goods belonging to other people for payment – like delivery drivers or couriers.

You’ll use your vans for single long-distance deliveries of business goods. However, this may also be covered by some hire and reward policies.

Cover for repair costs or a replacement vehicle if one or more of yours is damaged as a result of a fire or an accident, vandalised, or stolen.

Cover for the cost of damage you cause to another person, their vehicle or their property.

Cover for the cost of legal fees you might need to pay as a result of a motor insurance claim.

Cover that pays out an agreed lump sum should you be seriously or fatally injured in a road accident.

Cover for the cost of roadside assistance should one of the covered vans in your fleet break down.

Cover that gives you access to a temporary replacement vehicle while your broken down van is being repaired.

If you lose the keys to any of the vehicles in your fleet this will pay for the cost of replacing them.

This will cover you for costs related to putting the wrong fuel in any of the vehicles in your fleet.

Windscreen cover will pay for any damage done to any of your vans’ windscreens.

You can also get cover for an attached trailer if it’s damaged or stolen.

In case your electric vehicle charging cables are stolen or broken.

This tells insurers you’re only likely to claim when it’s really worth paying the extra cost, so they’ll often give you a discount.

Be sure you choose an excess amount that you are able to afford as this is the amount you will need to pay in the event of a claim. 

Insurers tend to charge less if you pay your full premiums up front for the whole year, rather than spreading the cost over 12 months. 

Vans, like cars, are sorted into insurance groups – picking a van in a lower insurance group is likely to result in cheaper premiums.

You could also choose vans which have safety features such as autonomous emergency braking (AEB), lane departure warning and blind spot monitoring to help reduce accident risk or severity.  

If you’re insuring extra drivers on your policy, keep in mind that young drivers are likely to increase the cost of cover – and, in some cases, particularly for ‘any driver’ policies, you may not be able to insure drivers under a certain age. 

If you’re able to keep your fleet vehicles locked in a secure garage, depot or car park with CCTV, you could pay less for cover as the risk of theft and vandalism will be lower. 

Having factory installed locks, alarms and immobilisers on the vehicles in your van fleet lowers the risk of theft and vandalism. 

Some insurers will offer upfront discounts if you fit telematics or dash cams to your van fleet. Alternatively, the benefits you get from telematics and dash cams may help to lower claims which could reduce your premium at renewal.

Fitting telematics to your vans also allows you to track them, which could help recover them if they are stolen. 

Demonstrating to your insurer that you have a robust risk management programme in place, which could include online driver risk assessment, licence checks and driver training, and a history of low claims could mean that your insurer views your van fleet as lower risk and offers you a better deal.