Van insurance guides
Everything you need to know about insuring a van
Van insurance groups work in a similar way to car groups – here’s how they can affect the cost of covering your van
Van insurance groups are a way of categorising vans to help insurers decide what your premiums will be when you take out an insurance policy. There are groups for vans as well as cars and motorcycles, and they work in similar ways.
Van insurance groups work in a similar way to car insurance groups – the higher the group your vehicle is in, the more expensive it will likely be to get insurance. The lowest group is group one and until recently the highest group was group 20 – this changed in 2016 after a slight rule change.
This was to reflect how vans and van specs had changed since the groups were last reviewed, and as a result 30 new groups were added. Groups 1-20 are for vans produced before this review, and 21-50 are for vans produced after – so 21 would be the lowest of these groups, and 50 the highest.
Top 10 most commonly insured vans |
Average premium |
---|---|
FORD TRANSIT T280 |
£1,126.41 |
FORD TRANSIT T350HD HEAVY DUTY |
£1,280.36 |
MERCEDES-BENZ SPRINTER 311 CDI |
£1,326.62 |
VAUXHALL VIVARO 2700 SWB SR CD |
£818.37 |
VAUXHALL COMBO CDTI |
£986.96 |
FORD TRANSIT 350L 100 |
£1,327.01 |
MERCEDES-BENZ SPRINTER 313 CDI |
£1,476.86 |
FORD TRANSIT T350 |
£1,183.15 |
FORD RANGER WILDTRAK DOUBLE CA |
£1,061.81 |
FORD T200 CONNECT TDI L75 |
£1,087.46 |
You can check what insurance group your van is in by using Thatcham Research's vehicle search tool.
Insurers use a number of factors to decide what insurance group a van will go in. These include:
The insurance group your van is in will affect the premiums you’ll pay for cover, as higher insurance groups generally indicate that the van is more of a claim risk. However insurers do use other factors to set your premiums, such as:
Getting a van in a low insurance group could save you money on your insurance. The lower the van insurance group, then the cheaper your premium will typically be. But remember there are several factors, some listed above, that will affect the price you pay for van insurance.
If you’re looking for van insurance, the best place to compare quotes is on MoneySuperMarket. All you need to do is tell us a little about yourself, your driving and claims history, and the van you want to insure – then we’ll show you a list of quotes tailored to your needs.
You’ll be able to compare quotes by the monthly and annual cost of the insurance term, as well as the excess you’ll need to pay to claim, and the level of cover you’ll get with the policy. Once you’ve found the deal you want, just click through to the provider to finalise your purchase.
Remember the cheapest policy available isn’t always the best one for you. We suggest looking for a balance between cost and level of cover, so you can find a policy that covers everything you need at an affordable price.
Everything you need to know about insuring a van
We explain van insurance groups and how they affect insurance prices
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We show you how to get cover for multiple vans
Everything you need to know about insuring a fleet of vans
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