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Pick-up insurance

Cheap van insurance quotes for pick-up trucks

Pick up trucks are categorised as vans for insurance purposes - here's how you can cover yours

By Mehdi Punjwani

Published: 03 February 2020

Pickup truck in the snow

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What is pick-up insurance?

Pick-up insurance is a type of van insurance that covers you to drive your pick-up truck. You’ll need pick-up van insurance as pick-up trucks are generally classed as vans for insurance purposes.

Do I need insurance for my pick-up truck?

You’re legally required to take out cover for your vehicle, whether it’s a pick-up truck, van, car, or motorcycle. This is true even if you only plan to use the vehicle during certain parts of the year.

However, if you don’t use the vehicle at all and you keep it off public roads, you won’t need to insure it. In this case, you will need to register your vehicle as off road, which requires you to file a Statutory Off Road Notification (SORN) – read more about this with our guide.

Do I need commercial or private use pick-up insurance?

Whether you need commercial or private use van insurance for your pick-up truck will depend on how you use the pick-up.

Van insurance works in a different way to car insurance – with a car, you can take out a social, domestic, pleasure and commuting policy, which lets you use your car for private reasons as well as commuting.

With a pick-up van insurance policy, if you plan to commute in your pick-up truck you’ll need to take out a business insurance policy to cover you for using the vehicle. You’ll also need a business policy for:

  • Courier and haulage: this will cover you for using your pick-up to transport goods over long distances
  • Carriage of own goods: this means you’ll be insured to drive your pick-up while carrying goods such as your own tools or stock from a wholesaler
  • Hire and reward: this provides cover for driving your pick-up while carrying goods that don’t belong to you in return for payment, such as furniture removal

Data collected by Autonet between October 2018 and March 2019, accurate as of May 2019

What does pick-up insurance cover?

The level of cover you’ll get for your pick-up truck will depend on the policy you take out. Van insurance policies work the same as car policies, so you can choose from:

  1. Third party: a third party insurance policy covers you for the cost of any damage you cause to another person, their vehicle, or their property. It won’t pay out for damage done to your own vehicle
  2. Third party, fire, and theft: a third party, fire, and theft policy includes the same protection as third party, while also covering you if your pick-up is stolen or damaged by fire
  3. Fully comprehensive: a fully comprehensive insurance policy covers all the above, but it also insures you against any other damage done to your vehicle, whether it was your fault or not

What policy add-ons can I get with pick-up insurance?

When you take out a van insurance policy for your pick-up, you’ll generally be able to choose from a number of policy add-ons – including:

  • No claims protection: this keeps your no-claims bonus intact if you ever have to make a claim on your policy
  • Breakdown cover: offering roadside assistance that can help you continue your journey if your pick-up breaks down
  • Courtesy vehicle: your provider will arrange for a replacement vehicle to use while yours is being repaired
  • Personal belongings: this covers the cost of replacing your belongings if they’re stolen from your van or damaged as a result of an accident
  • Lost keys: if you lose your car keys you’ll get a replacement set
  • Wrong fuel: you’ll be covered for the cost of repairs if you accidentally fill up your tank with the wrong kind of fuel
  • Sat nav and entertainment: if your sat nav or in-car entertainment system is damaged or stolen you’ll be compensated for the replacement or repair costs. This is often separate to personal belongings cover because of the higher potential cost of the claim
  • Windows and windscreens: this covers you for the cost of replacing or repairing your windows and windscreen if they get damaged
  • Use abroad: you’ll be insured to drive your pick-up truck abroad 

How much does pick-up insurance cost?

The price you’ll pay to insure your pick-up will depend on the following factors:

  • Your van: bigger or more powerful vans are harder to control on the road, so they’re more likely to be involved in an accident – meaning the price of covering these vans is usually higher
  • Your driving: if you have a history of making claims or being involved in accidents, or if you regularly cover a lot of mileage, you’ll also pay more as it’s more likely you’ll make a claim
  • Your policy: the more extras you add on to your insurance policy the more you’ll have to pay for this level of cover
  • Your security and storage: having secure locks and alarms on your pick-up and keeping it locked in a garage reduces the chances of it being stolen, which can bring your premiums down as a result
  • Your excess: paying a higher voluntary excess can bring your premiums down – but be wary of making it too high

Data collected by Autonet between October 2018 and March 2019, accurate as of May 2019

Compare pick up van insurance quotes

If you’re looking to buy van insurance for your pick up truck, comparing quotes with MoneySuperMarket is the easiest way to get a better deal. All you need to do is tell us a little about yourself, your pick up truck, your driving history, and details about your business if you’re planning to use it for work.

Then we’ll be able to show you a list of quotes tailored to your needs, so you can compare pick up insurance deals by price and level of cover to find the best deal for you. Once you’ve found the provider and deal you want, just click through to finalise your purchase.

However as with all insurance products, the cheapest quote won’t necessarily be the best. It’s recommended that you look for a balance between cost and cover – this way you’ll get the policies you need without paying over the odds, and you’ll avoid being over- or under-insured.

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