We understand the importance of protecting your van and your livelihood. If you're a small business owner, a tradesperson, or you just own a van, we're here to help you find the right policy.
Tell us about yourself, your van and what type of insurance you need
We'll show you offers from up to 56 insurers1
Choose your policy, including any extras, then go ahead and buy
"Don’t be surprised if your renewal price has gone up from last year. It’s a trend we’ve seen across car and home insurance as the number and cost of claims has gone up.
Insurers are looking to recoup some of these costs by passing them on to existing customers. That’s why it’s more important than ever to make sure you don’t accept your renewal offer without first shopping around. The good news is that’s where we can help."
How you use your van dictates the type of insurance you need. Because many vans are used for business use, it’s important you choose the right type of cover to make sure you and your business are protected. There are 4 options:
Social only, also called private van insurance, is suitable if you don’t use your van or pickup truck for anything to do with work, including commuting. It covers things like visiting family and friends, shopping or transporting kit for a hobby.
Social and commuting is suited if you use your van to drive to a single place for work, as well as for social use. If you’re travelling to a bus or train station as part of your commute, this also comes under social and commuting.
Business use protects your van when you use it to transport goods, tools, or work equipment that belongs to you, your business partner, or your employer. It’s also known as commercial use or carriage of own goods. This cover is particularly suited to professionals like builders, shopkeepers and cleaners who rely on their van for their business.
Haulage use is for situations where you use your van to transport goods for hire and reward. This type of cover is especially important for professionals who handle deliveries, such as delivery drivers, couriers, and haulage contractors.
**Single annual policy. Shell Go+ account required. Only one £10 fuel reward can be used per transaction and each can only be used on fuel purchases of £10 or over. HelloFresh 18+ subscription service. Geographical exclusions apply. T&Cs apply
Adding extras or add-ons to your van insurance policy can give you more protection. When you get a quote, we’ll show you policies that may or may not include the following extras:
Based on Confused.com data2, the average cost of van insurance is:
Social only
£596
Social & commuting
£624
Business use - carriage of own goods
£639
Business use - haulage
£1,779
2Confused.com data April - June 2023
How much you pay for your insurance depends on your circumstances. Insurers take consider several factors including your age, where you live, the van you drive and your driving history:
Vans come in all shapes and sizes, and how they’re used isn’t the same for everyone. If you’re looking for something other than standard van insurance, we’ve got you covered:
Yes you can. Most insurers allow you to transfer a no-claims bonus between different types of vehicle.
You can usually only use your NCB on one vehicle or insurance policy at any one time, though. If you have more than one vehicle, insurers may offer discounts on insuring a second one by mirroring your no-claims bonus. This isn’t a guarantee though, so always check with the insurer directly before getting a policy.
Commercial insurance is also known as business insurance and covers you to use your van for business related reasons.
Private insurance covers you to use your van for social use, like shopping and day trips. You can also extend it to cover commuting to a single place of work if you need to use your van to get back and forth to work.
Yes. When you get a quote you’ll need to tell us some details about them including their name, date of birth, marital and employment status and their relationship to you.
Yes - similar to car insurance, some insurers offer black box van insurance policies. These policies can be a good way for younger or less experienced drivers to get cover and be rewarded for safe driving.
Yes, most van insurance policies include third-party cover as a minimum to drive in EU countries. Cover usually includes a maximum of 30 days in any one period.
If you’d like a higher level of cover or cover for a longer period, you can usually add it to your policy for a fee by speaking to your insurer.
Not as standard on private van insurance policies. If you want to cover your tools, you need to include tool cover as an add-on to your policy or buy a specific tool insurance policy.
If you take out a business policy that includes carriage of own goods, this can cover any personal items, tools or goods related to your business. It doesn’t cover goods that are being carried in return for a fee. For these you need cover for haulage use, which is also known as hire and reward insurance.
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Page last reviewed: 22 August 2023
Reviewed by: Louise Thomas
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