Type of vehicle
Vans with higher market values or specialist equipment tend to cost more to insure.
What is multi-van insurance?
Multi-van insurance lets you insure several vans under one policy, making it easier to manage and often cheaper than taking out separate cover for each vehicle. It usually covers three or more vans and can include multiple drivers too.
It’s ideal if you own or drive several vans, whether for personal use or as part of a small business.
For larger businesses with many vehicles and drivers, fleet insurance might be a better fit. It works in a similar way but is designed for companies that need broader cover across their entire fleet.
Is multi-van insurance cheaper?
Multi-van insurance can often work out cheaper than taking out separate policies for each van. The exact cost depends on both the vehicles and the drivers involved, but many insurers offer discounts for multi-van cover.
Here are some of the main factors that affect the price:
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Driver details
Your driving experience, claims history and any previous convictions can all influence the premium.
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Number of drivers
Adding more drivers to the policy can increase the cost, although it’s often still better value than arranging individual policies.
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Type of business
Insurers assess how risky your work is – for example, trades that involve regular deliveries or long-distance driving may face higher premiums.
How to get cheap multi-van insurance
The best way to find cheap multi-van insurance is to compare quotes from different providers.
Prices vary depending on the vans, drivers and level of cover, but there are several ways to help bring costs down:
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Choose a multi-van policy if it offers better value.
If you have several drivers, insurers may see the overall risk as lower — especially if some drivers have clean records. This can make a multi-van policy better value than taking out separate policies.
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Pick cheaper vans
The Association of British Insurers (ABI) groups vans from 1 to 20. Vans in lower groups cost less to insure, while those in higher groups are more expensive.
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Compare quotes
If your vans vary in make and model, compare the cost of insuring them individually with adding them to a multi-van policy to see which offers the best deal.
What does multi-van insurance cover?
Multi-van insurance offers similar protection to standard van insurance, but it applies to several vehicles under one policy. What’s included can vary between providers, so it’s always worth checking the details.
Most policies typically include or exclude the following:
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What’s usually covered:
Vehicles on the policy: All vans listed under your multi-van insurance.
Named drivers: The driver or drivers authorised to use the vans.
Third-party cover: Protection for damage caused to other people, vehicles or property — this is the minimum legal level of cover.
Van contents: Business equipment and tools, if you’ve chosen a business-use policy.
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What’s often not covered:
Wear and tear: General ageing or gradual damage to your vans.
European travel: Most policies only cover driving in the UK unless you add European cover.
Younger drivers: Some insurers set a minimum age for who can be included.
Accidental damage: Not always included as standard — you may need to add it.
Business use: You’ll need a business policy if you use your vans for work rather than personal driving.
What add-ons can I get with multi-van insurance?
You can tailor a multi-van insurance policy with a range of optional extras, usually for an additional cost.
Common add-ons include:
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Breakdown cover
Provides roadside assistance if your van breaks down away from home or work.
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European travel
Extends your cover to include driving in Europe.
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Courtesy van
Gives you a temporary replacement van while yours is being repaired.
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Lost keys
Covers the cost of replacing lost or stolen keys.
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Windscreen cover
Pays for repairs or replacement if your windscreen is cracked or damaged.
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Legal protection
Covers legal expenses if you need to make or defend a claim following an accident.
Our expert says…
When choosing between multi-van cover or separate policies for each van you need to consider the admin saving, as well as any difference in price. It’s worth checking the maximum number of vans which can be covered under multi-van cover as this could vary between insurers. You should also consider whether a fleet insurance policy with any driver cover (rather than having to name individual drivers) would work best for you.
Sara Newell Motor & Home Insurance Expert
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What do I need to get a multi-van insurance quote?
Getting a multi-van insurance quote is straightforward. To compare deals accurately, you’ll need the following details:
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Van details
Include the make, model, age and registration number of every van you want to insure.
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Driver’s details
Provide the licence number, address, date of birth, profession and driving history (including any past claims) for each driver on the policy.
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What the vans are used for
You’ll need to confirm whether the vans are for private use or business use, as this affects the type of cover and price.
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No-claims discount (NCD) history
If you’ve earned a no-claims discount, you can usually apply it to one of your vehicles — but it can’t be used on multiple vans at once.
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Can anyone drive on multi-van insurance?
It depends on the insurer and the policy but usually just one driver will be insured to drive multiple vans.
Can I add a van to a multi car insurance?
If you’ve bought a multi-cover policy, you may be able to add cars and vans to it.
Can you use no claims discount on multi-van policies?
You can usually only use a no claims discount once, on one other vehicle, but it’s worth checking with an insurer first.
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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 10 Dec 2025 by
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Accurate as of 10 December 2025.
David Manning
Beth Atterbury
Daniel Bowler
Bernard Myny