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Young driver van insurance

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¹Correct as of March, 2024

Can I get van insurance as a young driver?

Yes - as a young driver, you should still be able to buy van insurance. Insurers usually consider young drivers to be those under the age of 25.

Some insurers impose minimum age limits, so if you're under 21 you might find that you're offered less competitive prices from fewer insurers. But, if you shop around you should still be able to find a policy that suits you.

How much does van insurance cost for young drivers?

The price you pay depends on your personal circumstances. As a general rule, vans are more expensive to insure than cars and, as a young driver, you're likely to see higher prices than older drivers.

On average, drivers aged 17-20 pay £3,303² for van insurance. This goes down by 59% to £1,351² for those aged 21-25.

²Based on Confused.com data April - June 2023

Why is van insurance more expensive for young drivers?

Age is one of the main factors considered by insurers when they set prices. The younger you are, the more your insurance costs. This is because young drivers generally have less experience on the road than older drivers. So, they're statistically more likely to be involved in an accident and make a claim on their policy.

Your insurance company also considers:

The van you drive. Like cars, vans are placed into insurance groups. The lower the insurance group, the less your insurance is likely to cost. Your van's body type can also affect insurance costs because certain body types can carry more cargo, making them higher-risk.
Your address. Living in an area with a high crime rate typically means you pay more, as your van is at higher risk of malicious damage or theft.
Past claims and convictions. If you've been involved in an accident and claims on your insurance, you costs could be higher when you renew. You'll also see higher costs if you have any driving convictions.
Your job. If you work in a high-risk industry and use your van for work, this could increase your insurance prices.

How do I get cheaper van insurance as a young driver?

There are several things you can do to keep the cost of your insurance down:

Add a named driver to your policy. Adding someone with more experience can reduce the cost of your insurance as you're sharing the risk.
Consider a temporary insurance policy. If you don't need to be insured on a van all the time, it could work out cheaper to get temporary insurance on someone else's van when you do need it.
Avoid auto-renewal and shop around. Even if your insurance hasn't increased much from last year, you might be able to get a better deal by comparing quotes. The cheapest time to buy your policy is 19 days³ before your renewal date.
Increase your voluntary excess. This is the amount you pay towards any claims. Increasing the amount you're willing to pay can reduce the cost of your insurance. The most popular excess amount with our customers is £250³, with 45% choosing this level. Just be sure to set it at an amount you can afford to pay.

Increase your van's security. Cans can be an attractive target for thieves as they often carry expensive equipment. Increasing your security can make it harder for someone to steal your van - think alarms, immobilisers and trackers.
Consider a black box policy. This type of policy uses a device or smartphone app to track how, when and where you drive. It then gives you a driving score based on how safe your driving is. The safer your driving, the lower your insurance could be on renewal.
Build your no-claims bonus (NCB). As a young driver, you might not have many years of no-claims built up. But, each year you're insured without making a claim, your NCB increases. Insurers offer a no-claims discount, and the bigger your NCB, the bigger the discount is. With 5 years NCB, the average cost of van insurance is £696³. This is 45% cheaper than van insurance with no NCB, which is £1,268³.

³Based on Confused.com data April - June 2023

What our van insurance expert says

"As a young driver, you're likely to see higher insurance prices, and your choice of insurers might be limited, especially if you're under 21. You might also find that you don't have the option of buying a smaller, less powerful van to try and save on your insurance. Comparing quotes is one of the best ways to check you're getting the best price for the cover you need."

Louise Thomas Motor Insurance Expert

What level of insurance should I choose as a young van driver?

There are 3 levels of van insurance you can choose from:

Third party is the minimum level of insurance you need to drive a van in the UK. It covers the cost of injuries to a third-party and damage to their vehicle after an accident that was your fault. Damage to your van isn't covered. The average cost for third-party insurance is £1,412⁴.
Third-party, fire and theft includes everything covered by third party, plus protection if your van is stolen or damaged by fire. It doesn't cover the cost of repairs if your van is damaged in a road accident. This level of insurance costs £950⁴.
Comprehensive policies provide the highest level of cover. They include everything offered with third-party, fire and theft, plus protection for your van if it's damaged as a result of an accident, even if you're at fault. Although it offers the most cover, comprehensive insurance is often the cheaper option, costing £652⁴ on average.

⁴Based on Confused.com data April - June 2023

What are the classes of use for van insurance?

When you get a quote, we'll ask you what you intend to use the van for. You can choose from 4 options. These are known as classes of use.

Your options are:

Social. If you'll only be driving your van for personal journeys, such as days out, you should choose this option. The average cost for this class is £596⁵.
Social and commuting. If you'll be driving to a single permanent place of work as well as taking personal trips, you should choose social and commuting. This includes driving to a bus or train station as part of your commute. This class of use costs £624⁵, on average.
Business use (own goods). If you're a tradesperson and you use your van for driving to multiple locations for work, select this option. You should also consider goods in transit insurance or tool insurance if you're transporting tools or equipment in your van. Having expensive cargo means insurance for this class is often more expensive, costing £1,779⁵ on average.
Haulage use. Also known as 'hire and reward', choose this option if you're a courier and use your van to make deliveries. Insurance for carriage of goods costs £639⁵.

⁵Based on Confused.com data April - June 2023

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How do I compare young driver van insurance quotes?

You can get a quote with us in as little as 5 minutes by following these steps:

Fill out our quote form. We'll ask you aa few questions about you, your van and your driving history.
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We'll show you a list of quotes to choose from. Here, you can view prices monthly or annually and add features such as breakdown or windscreen cover.
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