Haulage
Cover if you transport goods over long distances, usually one large load to a single destination.
Pick-up van insurance
Compare pick-up van insurance quotes
Save up to £208.70
Compare cheap van insurance quotes from 46^ providers
Get van insurance quotes from the UK's top insurers, including:
What is pick-up van insurance?
Pick-up van insurance is a type of van insurance designed to cover pick-up trucks. Like other van policies, it protects you if your vehicle is damaged, stolen, or involved in an accident – and it’s a legal requirement if you drive your pick-up on UK roads.
A pick-up is usually defined as having an enclosed cab at the front and an open cargo bed at the back. Insurers generally treat them as vans, although the exact category can vary:
Single-cab pick-ups – usually seat two or three people in the front.
Double-cab pick-ups – have two rows of seats and space for passengers in the back.
Your V5C logbook will confirm whether your pick-up is classed as a van (N1 or N2) or a private light goods (PLG) vehicle. This classification can also affect how much road tax you pay.
In short: pick-up van insurance gives you the right level of protection for your vehicle, whether you use it for work, leisure, or both.
When would I need pick-up truck insurance?
You’ll need pick-up truck insurance if your vehicle is driven or parked on public roads. It’s a legal requirement, whether you drive a car, van, motorbike – or a pick-up.
Even if you don’t use your pick-up, it must still be insured unless you’ve registered it as off the road with a Statutory Off Road Notification (SORN).
Because insurers usually treat pick-ups as vans, you’ll need a van insurance policy rather than car cover. The type of policy depends on how you use your vehicle:
Private use – if you only drive socially, or for commuting, a standard van insurance policy should be enough.
Business use – if you use your pick-up for work, such as carrying tools or making deliveries, you’ll need business van insurance.
When would I need business pick-up truck cover?
You’ll need commercial pick-up insurance if you use your vehicle for work. This includes:
Driving between jobs or worksites
Carrying tools, equipment, or materials
Making deliveries, whether parcels or larger loads
🚩 Not having the right policy could mean your claim is rejected – and may make it harder or more expensive to get cover in the future. That’s why it’s important to choose the right level of business van insurance for your needs.
What types of pick-up truck insurance are there?
The type of pick-up van insurance you need depends on how you use your vehicle.
-
-
Carriage of own goods
Cover if you carry your own tools, equipment or stock for work (for example, a builder or gardener transporting materials).
-
Hire and reward/courier
Cover if you deliver goods that belong to someone else, usually with multiple drop-offs (for example, parcel deliveries for a third party).
-
Private van insurance
If you only drive socially (for leisure) or to commute to a single place of work, a private van insurance policy should be enough.
What is covered by pick-up van insurance?
Pick-up van insurance can cover you for accidents, theft, and damage – but the exact protection depends on the policy you choose. Like car insurance, there are three main levels of cover:
-
Third party
The minimum legal requirement. It covers damage or injury you cause to other people, their vehicles, or their property. It won’t pay for repairs to your own pick-up.
-
Third party, fire, and theft
Includes third-party cover, plus protection if your pick-up is stolen or damaged by fire.
-
Fully comprehensive
The highest level of cover. It includes all the above and also covers damage to your own vehicle, even if an accident was your fault.
What isn't covered by pick-up van insurance?
Pick-up van insurance won’t cover everything. What’s excluded depends on your policy, but common examples include:
-
Wear and tear
General ageing or mechanical failure isn’t covered.
-
Unsecured tools or equipment
If items are stolen because they were left visible or not locked away.
-
Incorrect use
Using your pick-up for business when you only have private cover, or carrying goods without the right type of business van insurance
-
Driving without the right documents
Such as a valid licence, MOT, or insurance policy.
-
Hazardous or high-value goods
You’ll usually need specialist goods-in-transit insurance for these.
What are the extras you can add to your pick-up van policy?
What’s available will depend on whether you choose a standard or business policy, but many can be added to either:
-
Trailer insurance
Protects your trailer and its contents against theft or damage.
-
Breakdown cover
Roadside help if your pick-up won’t start or breaks down.
-
Windscreen cover
Pays for repairs or replacement if your windscreen is cracked or shattered.
-
Tools and equipment cover
Covers your work tools or materials if they’re stolen or damaged while in your pick-up.
-
Courtesy van
Provides a replacement vehicle while yours is being repaired after an accident.
-
Legal expenses cover
Helps with legal costs if you need to pursue or defend a claim.
-
European cover
Extends your policy so you can drive abroad, usually within the EU.
Do I need special insurance if I use my pick-up truck for business?
Yes. Standard van insurance usually only covers social use, such as leisure driving or visiting friends. If you commute to a single workplace, you’ll often need to add social and commuting cover.
If you use your pick-up for work, you’ll need a business van insurance policy.
🚩 Choosing the right type of cover is important — if you have the wrong policy, your insurer could refuse a claim.
Our expert says…
There is no one-size-fits all when it comes to vans and whether it’s a pickup or a Luton van, you need to make sure you have the right cover. Luckily there are lots of policies to choose from so comparing prices, and policies, will be the best way to find the right kind of insurance for you at the best price.
Rebecca Goodman Personal Finance & Insurance Expert
What do I need to get a pick-up insurance quote?
When you compare pick-up van insurance quotes, insurers will ask for details about you and your vehicle so they can work out the right price. Be ready to provide:
-
Personal details
Your age, address, and occupation
-
Your driving history
Any previous claims, convictions, or your no claims discount
-
Your pick-up
Registration number, purchase date, and whether it’s a single or double cab
-
How you’ll use it
Social only, social and commuting, or business use
-
Other drivers
If employees or family members will also drive the vehicle
-
Security
Details of alarms, immobilisers, or trackers, and where the pick-up is kept overnight
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
More can insurance guides
Why are pick-ups so expensive to insure?
Pick-up van insurance can be pricier than car cover because pick-ups are often larger, more powerful, and costlier to repair or replace. Their dual use — for both work and leisure — also means they can be on the road more, which insurers see as a higher risk.
Can I drive my pick-up truck with my car insurance?
No. A pick-up is classed as a van for insurance purposes, so you’ll need van insurance. To check your vehicle type, look at your V5C logbook: M1 means it’s a car, while N1 or N2 means it’s a van.
Are pickup trucks classed as commercial vehicles?
It depends on how you use them. If you only drive socially, your pick-up may be insured under private van insurance. But if you use it for work — such as carrying tools or making deliveries — it will usually count as a commercial vehicle, and you’ll need business van insurance.
Can I insure more than one pick-up truck under the same van insurance policy?
Yes. Many insurers offer multi-van insurance policies, which let you insure several vehicles under one policy. This can often work out cheaper than taking out separate policies for each van.
Which insurance group is my pick-up van in?
Every van on British roads is categorised into one of 50 van insurance groups, which rate them from the cheapest to the most expensive to insure. The more powerful, expensive and rarer your vehicle, the higher the group it will be in.
Can I use my no-claims discount on my van insurance?
In many cases, yes. Insurers often allow you to apply your no-claims discount (NCD) to different vehicles, including vans, cars and motorbikes. However, you may only be able to use your NCD on one policy at a time.
Are modifications (lift kits, upgraded wheels) covered under my policy?
Modifications typically must be declared. Some insurers may refuse claims or exclude modified parts if not declared.
Can I insure an imported or modified pick-up?
Yes, but options may be limited and premiums higher. You’ll likely need to liaise with specialist insurers.
Does my insurance cover tools, stock or goods I carry?
Standard policies often exclude contents. If you carry goods—especially for work—you usually need extra “goods in transit” or “tools cover.”
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 10 Dec 2025 by
Based on Van Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for Comprehensive covertype.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Accurate as of 10 December 2025.