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Temporary van insurance

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What is temporary van insurance?

Temporary van insurance, also known as day van insurance, is cover you can take out to drive a van for a short period of time. Cover can be set to last between a few hours and a few weeks.

How does temporary van insurance work?

A temporary van insurance policy will work in much the same way as standard cover, except that it only lasts for a short period of time rather than offering protection for the full year. You’ll be able to take out a van insurance policy that will cover you for a set number of hours, days, weeks or even months at a time.

Van image

When would I need short term van cover?

You may find a short-term insurance or temporary van insurance policy is more useful and cost effective than annual cover if you need the vehicle for:

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    Moving home

    If you’re moving or helping someone else move, using your own van can be cheaper than a removal company – just ensure you have the right protection for your possessions while moving too

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    Transporting large items

    You might also need short-term cover for a van if you’re using it to transport large items you’ve bought or sold – but again make sure you have the right cover for the items themselves 

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    A road trip

    Road trips are always fun, but if you’re sharing the driving burden then you might want to take out a temporary van insurance policy, to ensure everyone is covered to get behind the wheel for their fair share

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    Buying a new van

    If you’re buying a new van, you may need to take out temporary cover to test drive potential vehicles, as well as to drive it home from the seller before you sort your annual policy out

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    Young driver

    Young drivers often pay more for cover, owing to their lack of experience on the road. If you’re looking to get insured on a van but you don’t want a full policy, short-term cover may be a cheaper alternative

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    A van for work

    If you own or work for a small business, you may need a van temporarily to transport goods or equipment. You can also get insurance for employees or contractors that need a van for business use

Pros and cons of temporary van insurance cover

Temporary van insurance can be a useful alternative to full annual policies if you don’t need the full year of cover – but it does have drawbacks you should also consider:

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    • You’ll be able to take out insurance for hours, days, or weeks, paying only for the cover you need

    • Domestic cover will usually be fully comprehensive as standard

    • Most policies also include third-party cover for driving in the EU 

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    • The overall cost of cover may be more expensive than an annual policy

    • It might not be as convenient if you need cover multiple times a year

What’s covered by temporary van insurance?

As most temporary van insurance policies will included fully comprehensive cover as standard, you will generally be covered for:

  • Damage to your car

    Caused by theft, vandalism, fire, or damage sustained in an accident

  • Third-party damage

    Damage to a third party, their vehicle or their property, and any resulting claims

  • Personal belongings

    Any personal items you keep in the van, such as a sat nav or sunglasses

  • Driving abroad

    Many policies will also include third-party cover for driving in the EU

What extras can I get with temporary van cover?

Like any other motor insurance policy, you’ll have the option of adding extra features to your cover – however you’ll likely need to pay a little extra if they aren’t already included as standard.

  • Breakdown cover: If your van breaks down while you’re on the road, this will cover the cost of calling for roadside assistance 

  • Motor legal protection: Sometimes called legal cover, this will cover a range of legal costs you might face if someone makes a claim against you

  • Personal accident: A personal accident policy offers a pay out if you’re seriously injured or killed in a road accident

van illustration

What are the alternatives to temporary van insurance?

If temporary van insurance doesn’t quite meet your needs, you might want to consider these alternatives:

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    Becoming a named driver

    If you need cover for driving a van you don’t own, instead of taking out your own policy you can get yourself added to the driver’s existing cover as a ‘named driver’ – but this will cause the policy holder’s premiums to increase

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    Add the van to another policy

    If you already have motor insurance, you may be able to add the van to your existing policy for a set period of time – it’s worth contacting your insurer to check your options, but again your premiums will almost certainly go up

How do I get a temporary van insurance quote?

Finding a temporary van insurance policy is quick and easy when you compare policies with MoneySuperMarket and our preferred partner Safely Insured.

  • Tell us about yourself

    Give us a few details about yourself, your van, and how you use it

  • How long you need cover

    Choose how long you want your temporary policy to last

  • Get yourself covered

    Compare quotes from a range of providers to find the deal you want

How much does temporary van insurance cost?

Temporary van insurance policies are a cheaper alternative than buying annual cover if you only need to use your van for a short space of time – this is because you only pay for insurance when it’s required.

However the actual cost of your policy will depend on a number of factors, including:

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    Your age

    Insurers generally charge older drivers less for cover, as they’re statistically less likely to be involved in a road accident than younger drivers

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    Your van

    Bigger and more powerful vans are harder to control and therefore more dangerous on the road – so insurers charge more to cover these vehicles

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    Your driving history

     If you have a history of claims or driving convictions these are likely to increase your insurance costs, even for temporary cover

Sara Newell

Our expert says


Temporary van insurance offers greater flexibility when buying cover, so you don’t need to spend money on an annual policy if you only need it for a few days or weeks. But it’s always important to compare your options, so you can be confident that you’re getting a good deal – that’s why we offer a comparison with Safely Insured, helping you find affordable short-term van insurance.

- Sara Newell, Motor and Van Insurance Lead

Whether or not you’ll qualify for a temporary van insurance policy will depend on the provider and their requirements. For example:

  • The minimum age for the policy is likely to be 17, but some providers may ask that you be at least 18 or 21

  • You may need to have held your driving licence for a certain amount of time

  • The provider could also require that you have no criminal convictions or no more than a certain number of penalty points on your licence  

  • Your van will likely have to meet certain requirements too, such as gross vehicle weight, number of seats, modifications and market value 

Yes, you should be able to take out temporary van insurance to drive someone else’s van.

You should also be able to get temporary cover for someone else driving a van that belongs to you.

The claim process should be the same as any other motor insurance policy – depending on your provider, you should be able to claim online, by phone or by postal form.

Most temporary policies will include third-party cover for driving in the EU, while also offering the option to upgrade this to fully comprehensive. This cover may not extend to places outside of the EU – you should ask your insurer.

You should be able to have more than one driver on a temporary insurance policy – it’s worth asking your insurer to be sure.

Most providers will offer cover for a range of vans and van types – such as:

  • Pick-ups

  • Box vans

  • Luton vans 

  • Tippers

  • Motorhomes and caravans

  • Horseboxes 

Some providers might offer cover for vans and cars, and potentially other types of vehicles, all on one policy – it’s worth getting in touch with your current provider to find out what they offer.

There are certain things you can do to try and lower the cost of temporary van insurance, such as:

  • Paying more excess: If you can volunteer a higher excess fee, you’ll indicate to insurers that you’ll be unlikely to make small claims that won’t be worth the cost – lowering your risk

  • Pick your van wiselyVans in higher insurance groups are generally bigger and more powerful, and as such they’re more expensive to insure. Picking a smaller van is likely to be cheaper

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