Van Insurance

Van insurance is designed to cover your van against risks such as fire, theft and damage. Whether you use your van as a run-around, or it’s an integral part of your business, it’s important to protect it against these risks. This means you're not left out of pocket following an incident.

There are different levels of cover, but at the very least a van policy will cover damage and injury to any third parties as a result of an accident. A comprehensive policy offers protection for your van, yourself and other people and their property.

For added protection, you have the option of upgrading your policy to cover any tools you keep or cargo you transport.

When getting a quote, you'll be asked about how you use your van. You’ll need to choose one of the four 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.
• Social and commuting to work - If you use your van to commute to work as well as socially this policy might suit you best.
• Business use - 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 your details, you’ll be able to compare prices at a glance and choose which policy best suits both your needs and your budget.

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• The size of a van can really affect how much it costs to insure. Generally, the larger the engine and / or physical size of the van, the more expensive your premium. So, if you’re looking for cheap cover, 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 for which 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 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.

By comparing quotes from our selection of insurers, we can help you find a great price. But finding the right policy is about more than just the cost. Many people and businesses depend on their van being up and running on a daily basis. Making sure you have the right type of insurance in place could one day help you and your business recover from an accident or theft.

The right type of policy for you and your van will depend on a range of factors, including:

Your van size, specification and daily use

The type of van you own will be taken into account when insurers calculate insurance prices. Everything from its size, engine capacity and number of seats can impact your premium. You'll find more information in our guide to saving money on van insurance.

Your driving experience and history.

You'll find insurers charge higher premiums when insuring young or inexperienced drivers, or those with a history of accidents or traffic violations. If you fall into these categories, our guide to cutting your van insurance costs could help you save money.

Unique risks and expensive or hazardous cargo.

The work you do with your van could determine which type of policy will suit you best. Commercial van insurance may cost more than a regular policy, but will cover you for using your van in connection with work. Similarly, if you regularly carry valuable or hazardous items, you may need the additional protection of a courier insurance policy.

Having the right cover in place in the event of an accident could minimise its impact on you, your customers, your business and your income. When getting a quote, you'll be asked how you use your van and we'll show you quotes that cover your selection.