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van insurance

• Standard van insurance

Basic van insurance policies come with various benefits and limitations such as contents cover, mileage limits and usage restrictions. This will depend on the provider.

If you plan on using your van in connection with work or business, you’ll need to disclose this to your insurer.

• Goods in transit cover

If you’re using your van to transport dangerous, hazardous or valuable cargo, a goods in transit policy could be for you.

It can cover specialist items that wouldn’t normally be protected by a standard policy, and offer assistance if they’re lost or damaged in transit.

• Courier insurance

If you’re using your van to deliver other people’s goods, a courier insurance policy could offer you the protection you need.

It's designed to protect both couriers and their packages, and can cover high value items and long-distance travelling.

• Pickup truck insurance

Most insurance companies classify a pickup truck as a van rather than a car because of their long wheelbase and regular use with work.

You'll still have the same cover options to choose from, regardless of whether you use your truck as a social or a work vehicle. 

• The size of a van can really affect the cost of its insurance. Generally, the larger the engine and / or physical size of the van, the more expensive your premiums will be. So, if you’re looking for cheap van insurance, then choosing a smaller vehicle could help save a few pounds.
• Building up a no claims bonus can help prove to an insurer that you’re a safe driver and they may reward you with a cheaper premium.
• If you’re a member of a recognised trade federation, let your insurer know. Some offer discounts to members of these organisations.
• Increasing your voluntary excess can help bring down the cost of your van insurance, but you’ll be paying out more if you need to make a claim.

• Increasing the security of your van may also help lower your premium. By adding anti-theft devices, you’re lowering the risk of your van being stolen.
• When you compare van insurance quotes, it’s worth considering factors like your annual mileage. As a general rule the less you drive your vehicle the less you pay which could bring down the overall price.
• When your policy is about to run out, don’t auto-renew. Instead, always compare van insurance quotes online to find the best deal.

When getting a quote, you'll be asked about how you use your van. You’ll need to choose one of the three options below, which could impact both the level of protection you receive, and the amount you pay.

• Social only - If you don't use your van or pickup for anything work related, you’ll only need social cover.
• Own goods - If you’re using your van to carry your own goods, tools and other work equipment, a commercial van policy might suit you best. Different insurers may offer varying levels of cover for your van and its contents, which you should compare before you buy.
• Haulage - If you use your van to transport other people’s goods, or get paid to move cargo, you’ll need a policy that covers you for haulage, such as courier or goods in transit cover.

Once you’ve entered all your details, you’ll be able to compare prices at a glance and choose which policy best suits both your needs and your budget.

For more information about motor insurance, take a look at our collection of tips and articles. 

• I've entered my details but I can't find my van. What do I do?

If you’re entering your van’s details into the website, you might find it easier to find a match if you have your registration documents to hand, as some details (like the year of manufacture) can differ to the year of purchase.

• Can I transfer my car's no claims bonus to my van?

• What type of cover do I need?

Choose between a private or commercial policy, then pick the level of cover you need. There are three main levels of cover available - third party only, third party fire & theft, and comprehensive.

• What's the difference between commercial and private van use?

Commercial or business van insurance permits the driver to carry out a trade or profession using the van, such as making deliveries or transporting tools and equipment. Private van insurance allows you to use your vehicle for social reasons only.