Van Insurance
Compare Van Insurance Quotes
- You could save up to £622*
- Compare 60+ providers
- Get quotes in under 5 minutes
- Find competitive rates online
*51% of consumers could save £622.09 on their Van Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024. The savings you could achieve are dependent on your individual circumstances.
Compare Van Insurance
VERY QUICK
It takes less than 5 minutes to complete
the quote form
COMPARE QUOTES
View live prices and levels of cover
PURCHASE A POLICY
Purchase your insurance online
Related Insurance
Van Insurance
Click HereModified Van Insurance
Click HereCommercial Van Insurance
Click HereTransit Van Insurance
Click HereBedford Van Insurance
Click HereBusiness Van Insurance
Click HereYound Driver Van Insurance
Click HereMan Van Insurance
Click HereWhat is Van Insurance?
Van insurance is a type of motor insurance you take out to protect your van – it’s separate from car insurance but works in a similar way. You can take out private van insurance if you use your van for social, domestic or pleasure reasons, but if you use the van for work then you’ll need business/commercial cover.
How much does van insurance cost?
According to research by data consultancy Consumer Intelligence, the average cost of an annual van insurance premium in the UK is now £977, a slight drop from the £985 amount reported in August 2021.
And while almost all types of van drivers have seen a reduction, it’s young drivers that have benefitted most, with a 18.1% reduction in average cost in the last 12 months.
How can I get cheaper van insurance?
Van insurance can seem surprisingly expensive if you’re just used to car insurance.
But when you think about things from an insurer’s point of view, it’s a bit more understandable.
Vans are often out on the road all day, they’re bigger and heavier than cars and have more powerful engines.
And the solid sides and backs don’t exactly help with visibility when you’re manoeuvring.
Compare quotes for all levels of cover – Remember, comprehensive insurance is often the cheapest, so you could pay less for more cover.
Be accurate about your mileage – You should never lie about your annual mileage, but if you put in a mileage that’s too high you’ll pay more than you should.
Pay for the van insurance in one go – While it may be tempting to spread the cost of your van insurance out over a year, this is likely to cost you more than paying for it in one go. So if you can, pay for the insurance upfront and not throughout the year to get it cheaper.
Build a no-claims discount – The more years you’ve been driving without incident, the higher your no-claims discount. But you’ll need to be the main driver to earn a discount on most policies.
Add an experienced driver as a named driver – If a parent or friend with a good driving history sometimes drives your car, adding them as a named driver might bring down the cost of your policy. But don’t lie and say they’re the main driver, as that’s a type of fraud known as ‘fronting’.
Advertise your business on the van – Plastering your name and business all over the van may well make it less attractive to thieves. And so possibly cheaper on the insurance front. Having some signwriting on your van could also help the police track it down if it’s stolen.
Accurately declare how you use your van – When people think of van drivers they tend to assume that the vans are used for work, but there are plenty of cases where people use vans for non-business reasons. So make sure you tell the insurance company exactly what you use your van for. You may be an avid camper or fisherman. So you might have a van to fit all your kit in easily and not use your van commercially at all. In this case you’d need private van insurance and your premiums would likely reflect this.
Remember – if you use your van for business, you will need to get it insured for business use.
What affects the cost of van insurance?
Insurance providers take lots of different factors into account when calculating your van insurance premiums:
- Your age
- Your occupation
- Your address
- How long you’ve been driving
- Your driving history – including accidents and driving offenses
- Your no-claims discount
- All of the above for any other named drivers you add to your policy
- The amount of voluntary excess you choose
- The make and model of your car
- Where do you park your car overnight
- Your annual mileage
Insurers use all of this information to statistically assess your level of risk and calculate your premium accordingly.
It’s really important to compare quotes before you buy van insurance because each insurer will calculate this risk and price its premiums slightly differently – that’s why you get lots of different quotes at different prices.
It’s cheaper to pay for your insurance annually in a lump sum at the start.
What details do I need to obtain a quote?
Van Information
Either your van registration or the make
and model of your car if you do not know it.
Personal Details
Including your name, contact details,
address & occupation.
Driving History
How long you have been driving, details of
any convictions, length of any no-claims bonus.
Van Usage
What the van will be used for, e.g. social,
commuting
or business and your estimated annual mileage.
Van Insurance - Levels of Cover
The best van insurance for you is an affordable policy that covers what you need – don’t just pick the cheapest option.
You’ll need third party cover as a minimum. It’s compulsory, and you can’t legally drive without it. But exactly what you’re covered for depends on the type of policy you choose.
There are three main types of car insurance available: Fully comprehensive, third party, fire and theft, and third party.
It’s worth comparing all your car insurance options to find the deal that’s right for you.
Fully Comprehensive – often referred to as ‘fully comp’, this gives you the highest level of protection.
Third Party, Fire & Theft – this gives you everything you’d expect from a standard third party policy, but also protects you if your car is stolen, or damaged by fire. Fire damage includes deliberate acts, such as arson, as well as accidental fires.
Third Party – Every driver is legally required to have at least third party car insurance. This covers you if you damage someone else’s car or injure another person. But it won’t cover any injuries to you, or damage to your own car.
Those are the basics. Now, let’s look in more detail at how these different types of car insurance work.
Fully Comprehensive
Fully comprehensive van insurance gives you the highest level of coverage. If you’re looking for peace of mind or have a new or expensive van, this could be the right policy for you.
Fully comprehensive insurance typically covers:
- Damage to someone else’s vehicle or property
- An injury you cause to others
- Injury to your passengers in an accident
- Fire damage*
- Theft (and possibly damage caused by attempted theft)*
- Chipping/scratching*
- Malicious damage and vandalism*
- Accidental damage to your van*.
*After you pay your excess
Watch out: Comprehensive van insurance doesn’t necessarily mean everything. Your policy may or may not include features like a courtesy van, windscreen cover, and cover for personal belongings, like a handbag or laptop. However, you should be able to add these as extras.
Your policy may not cover personal injury if the accident is your fault, so always check the small print when you get a quote. If your policy doesn’t cover certain situations as standard, you can typically pay to add them as extras.
Third-Party Fire & Theft
Third Party Fire & Theft insurance offers everything you’d get with a third-party van insurance policy, but with added protection against fire and theft.
This is useful if you want more than the bare minimum of cover, or live in an area with high crime rates. It’s worth noting though, that some policies won’t cover damage caused by attempted theft, so check your policy carefully.
Third-party, fire, and theft insurance typically covers:
- Damage to someone else’s vehicle or property
- An injury you cause to others
- Injury to your passengers in an accident
- Fire damage*
- Theft (and possibly damage caused by attempted theft)*
*After you pay your excess
Third-party, fire, and theft insurance won’t cover:
- You
- Your car (except for fire damage and theft)
Watch out: Bear in mind that you won’t be covered for accidental damage.
