What are the different van insurance types?
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.
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.
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.
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.
Buying van insurance - things to remember
By comparing quotes from our selection of insurers, we can help you find a great price for your van insurance. 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, so 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 it's size, engine capacity and number of seats can impact your premium. You'll find more information in our guide to van insurance rating factors.
The drivers, their experience and driving 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.
Getting a quote
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.