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Pick-up Van Insurance

What is pick -up van insurance?

Our van insurance providers

Find cheap commercial and private van insurance quotes available through major van insurance companies, including:

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What is pick -up van insurance? 

 

If you have a vehicle that is used or parked on public highways, you’re legally required to insure it, whether it’s a pick-up truck, van, car, or motorcycle. Even if you never use it, you must still insure it as long as it is not registered as off road, which requires you to file a Statutory Off Road Notification (SORN)..

As pick-up trucks are categorised as vans for insurance purposes, you’ll need a van insurance policy rather than a car insurance policy to benefit from pick-up van cover. You’ll also have to opt for either standard or commercial pick-up van insurance, depending on how you plan to use the vehicle.

 

 

Types of pick-up truck insurance

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

If you plan to commute to and from your workplace in your pick-up truck, you’ll generally need business van insurance to be fully protected. You’ll also need a business policy for:

  • Haulage

    For using your pick-up to transport goods over long distances

  • Carriage of own goods

    For transporting goods such as your own tools or stock from a wholesaler

  • Hire and reward/courier

    For transporting goods that don’t belong to you in return for payment (e.g. furniture removal)

What is covered by pick-up van insurance?

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:

  • Third party

    A third-party insurance policy covers you any damage you cause to another person, their vehicle, or their property. It won’t pay out for damage done to your own vehicle

  • Third party, fire, and theft

    A third party, fire, and theft policy offers the same protection as third party, while also covering you if your pick-up is stolen or damaged by fire

  • 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 is not covered?

 

Different pick-up van insurance policies provide different types of cover. While some standard van policies include extras such as windscreen cover – for crack repairs and replacements – as standard, others only offer this cover for an extra fee. And while some business van policies include European cover as standard, you will generally need specialist goods-in-transit insurance to transport high-risk or hazardous goods.

The extras you can add to your policy

There are a range of add-ons offered with pick-up van insurance. What is available will depend on whether you take out a standard or a business policy – although some extras can be added to policies of both kinds. Options include:

  • Private use pick-up van insurance

  • No claims protection

    Keeps your no-claims bonus intact even if you make a claim on your policy

  • Breakdown cover

    Provides roadside assistance – and sometimes a courtesy vehicle – if your pick-up breaks down

  • Personal belongings

    Covers the cost of replacing your belongings if they’re stolen from your van or damaged as a result of an accident

  • Windscreen cover

    If not included as standard, you can usually pay extra to add cover for windscreen claims

  • Legal expenses cover

    Covers the cost of claiming damages from a third party – or defending yourself against a claim

  • Business pick-up van insurance

  • Goods-in-transit insurance

    Available as standalone cover or a policy add-on, this protects the goods you transport 

  • Public liability insurance

    Public liability insurance covers you if you injure someone or damage their belongings while on the job

  • Employers’ liability insurance

    Employers’ liability insurance covers you for injuries to your employees

  • Trailer insurance

    Covers any costs relating to theft or damage of your trailer or its contents

  • European van insurance

    A standard van insurance policy will only cover you to use your vehicle in the UK; if you want to drive overseas, you’ll need to pay more for extra cover

Do I need special insurance if I use my pick-up truck for business?

 

Yes, standard van insurance will only cover you to use your pick-up truck for social and domestic purposes, such as popping to the shops or visiting friends. Even if you do not plan to use your pick-up truck for business purposes, but you will use it to drive to and from work, you’ll often need commercial van insurance – or at the very least social and commuting cover.

If you intend to use your pick-up truck for work, for example to make deliveries, you’ll also need to choose between one of three main categories of business van insurance: haulage, carriage of own goods, and courier.

Praksha Patel-Shah

Our expert says

"The insurance policies that we compare cater to a wide range of vehicles with many different purposes. It’s important to be clear about what you use your pickup truck for and how much cover you need. That way, we can help you find the most suitable deal at the cheapest price."

- Sara Newell , Motor and Van insurance lead

Pick up insurance quote: what elements are needed?

To help you compare van insurance quotes and find a great deal on pick-up van insurance, we’ll need some details about:

  • You

    e.g. your age, address, and occupation

  • Your driving history

    e.g. your no claims discount

  • Your pick-up truck

    e.g. registration number, date of purchase

  • Your planned usage

    e.g. business or private

  • Other drivers

    e.g. employees or family members

  • Security

    e.g. alarms, overnight parking 

No. A pick-up truck is classed as a van for insurance purposes, so it can’t be covered by a car insurance policy. If you’re unsure what category of vehicle you have, you can find out by checking the log book: M1 means it’s a car, N1 or N2 means it’s a van.  

Many insurers offer multi-van policies that let you add cover for more vehicles, which is often a cheaper option than insuring each van under its own policy. Learn more with our guide to multi-van insurance

 

 

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. 

 

Many insurers allow you to use your no-claims discount on any vehicle, including cars, vans and motorbikes, though they may restrict your discount to one insurance policy at a time.

 

 

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