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What is private van insurance?
Private van insurance is a legal requirement if you use your van for social, domestic or leisure purposes. This includes everyday trips such as shopping, travelling on holiday, or carrying sports and hobby equipment.
It’s sometimes called personal van insurance or personal use van insurance, and it’s different from business or commercial van insurance, which you’ll need if you use your van for work — such as commuting, transporting tools or delivering goods.
If you take out a private van insurance policy but use your van for business purposes, your cover could be invalid and any claim may be refused. Always make sure your policy matches how you use your van.
What type of private van cover do I need?
The right level of private van insurance depends on how much protection you want and how much you’re willing to spend. There are three main types of cover:
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Third-party
The right level of private van insurance depends on how much protection you want and how much you’re willing to spend. There are three main types of cover:
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Third-party, fire and theft
TPFT includes everything covered by third-party insurance, plus protection if your van is damaged by fire or stolen. However, it won’t cover other types of damage to your van or personal injuries.
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Comprehensive
Comprehensive insurance offers the widest level of protection. It includes third-party, fire and theft cover, and also pays for repairs to your own van if it’s damaged in an accident. Policy details can vary, so it’s always worth checking what’s included before you buy.
What does private van insurance cover?
Every policy is different, but most private van insurance plans include the following:
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What’s covered:
Damage to your van: If you have comprehensive cover, you can claim for repairs if your van is damaged in an accident.
Private use: You’re covered as long as you only use your van for personal, social or leisure purposes.
Personal belongings: Some policies include cover for your belongings if they’re stolen from your van or damaged during a theft.
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What’s not covered:
European travel: Most private van insurance policies only cover driving within the UK.
Business use or equipment: You won’t be covered if you use your van for work or to carry business items.
Wear and tear: Everyday wear and tear or mechanical faults are not included.
What add-ons can I get with my private van insurance?
You can tailor your private van insurance with a range of optional extras to boost your cover, such as:
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Windscreen cover
Pays for repairs or replacement if your windscreen or windows are damaged.
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Breakdown cover
Provides roadside assistance if your van breaks down.
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Courtesy van
Lets you stay on the road with a temporary replacement while yours is being repaired.
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Legal cover
Helps with legal costs after an accident, whether you’re making or defending a claim.
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Personal accident
Offers compensation if you’re injured or unable to work following an accident in your van.
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Key replacement
Covers the cost of replacing lost or stolen van keys.
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European driving
Extends your policy to include driving in Europe.
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Wrong fuel cover
Covers the cost of repairs if you accidentally fill up with the wrong fuel.
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No-claims discount cover
Lets you make a limited number of claims each year without losing your no-claims bonus.
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How to get cheap private van insurance
It’s possible to cut the cost of private van insurance with the following tips:
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Paying a higher excess
Increasing your voluntary excess can reduce your premium, as it shows insurers you’re less likely to make small claims. Just make sure the amount is affordable if you need to make a claim.
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Reducing your mileage
Driving fewer miles lowers your risk of an accident, which can help bring down your costs.
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Choose a smaller van
Smaller vans are easier to handle and often cheaper to repair, which can make them cheaper to insure.
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Consider a telematics policy
Also known as black box insurance, this tracks how you drive. Safe driving can lead to lower premiums over time.
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Improving your van’s security
Fitting alarms, immobilisers or advanced locks – and keeping your van in a secure garage – can reduce the risk of theft and help cut insurance costs.
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Paying annually
Paying your insurance in one lump sum is usually cheaper than paying monthly, as insurers often charge interest on instalments.
What do I need to get a private van insurance quote?
Getting a quote for private van insurance is quick and straightforward. You’ll just need to provide a few key details:
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Van details
Include your van’s registration number, make, model, age and any modifications.
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Your personal information
Insurers will ask for your address, occupation, driving history and driving licence number.
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How you use your van
Specify whether you drive your van for personal or business reasons. If it’s for work, you’ll need a business van insurance policy instead.
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No-claims discount (NCD)
Let your insurer know how many years of no-claims discount you’ve built up. The more years you have, the bigger the potential saving on your premium.
Do I need private van insurance?
Yes, if you use your van for personal or leisure purposes, private van insurance is a legal requirement. The only exception is if you’ve declared your van as off the road with a Statutory Off Road Notification (SORN), in which case you won’t need insurance until you drive it again.
Can I get car insurance on a van?
You’ll usually need a dedicated van insurance policy to drive a van. Some car insurance policies may provide temporary cover for certain vans, but this isn’t common, so always check with your insurer first.
Is my vehicle a van or a car?
Your vehicle’s logbook will show its classification. You can also check by entering your registration number on the GOV.UK website. Vehicles listed as category M1 are cars, while N1 or N2 are classed as vans.
Can I use private van insurance for commuting?
No. Private van insurance only covers social and leisure use — not commuting or any work-related travel. If you use your van to get to work or for business purposes, you’ll need business van insurance instead.
Are the contents of my van protected under private van insurance?
This depends on your policy. Comprehensive cover often includes protection for personal belongings up to a set limit, but third-party or third-party, fire and theft policies usually don’t. You can add extra cover if needed.
If you need to insure tools or work equipment, a business van insurance policy may be more suitable. Always check your policy documents to see exactly what’s covered.
Are caravans covered under private van insurance?
Most private van insurance policies provide third-party cover for towing a caravan or trailer, meaning you’re covered for damage or injury caused to others.
However, damage to the caravan itself is unlikely to be included, so a separate caravan insurance policy is recommended.
Do I need car or van insurance for campervans?
Campervans can’t be insured under standard car or van insurance policies. Because they’re designed for living and travelling, they require a specialist campervan insurance policy for full protection.
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 19 Dec 2025 by
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Accurate as of 19 December 2025.