Confused.com
It’s a win-win.
How to claim a reward
*51% of van insurance customers could save £533.47 Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (March '23).
**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
The level of business van insurance you choose will depend on your budget and how much cover you need. There are three main levels of cover:
The cost of business van insurance depends on how you use your van for business:1
Haulage or hire and reward
£1,650.55
Business use or carriage of own goods
£485.64
1Confused.com data Jan-Dec 2022. The median purchased annual premiums for different vehicle usage types for comprehensive policies.
It's important to choose the level of cover you need, rather than the cheapest option. Sometimes, fully comprehensive business insurance can be cheaper. So always compare cover levels when you get a quote to find the right commercial van insurance cover at the best price.
Your costs can also be higher if you:
There are many ways to get cheaper commercial vehicle insurance without compromising your level of cover:
Advertising your business on your van can help deter potential thieves and reduce risks for insurers.
Consider a black box policy if you’re a careful driver. Insurers use a telematics device or app to monitor your driving. It bases your insurance costs on the data it collects. The cost can go up or down, depending on how careful a driver you are.
Join a trade federation as some insurers offer discounts for members of trade federations.
Improving your van's security can make it less prone to theft.
Use a dashcam while you drive to make it easier to prove a claim where a third party is at fault.
Increase your voluntary excess. But be aware opting for a higher excess means you could receive a lower payout when you claim.
Don’t auto-renew! Instead, compare commercial van insurance quotes to find the cheapest policy.
Find more ways to reduce the cost of your van insurance.
All commercial vehicle insurance policies will differ slightly, so you'll need to check the details to find out exactly what's included. But it usually covers:
Commercial vehicle insurers will usually exclude any claims that relate to drug or alcohol misuse. They will also only cover the person and vehicle named on the policy.
It may be tempting to lie when applying for insurance, but it's always best to be honest. If you make a claim and an insurer finds you weren't truthful it could be rejected.
Commercial policies can offer the following extras to suit the needs of your vans, drivers and business:
Tools in transit covers any tools in your van if they get lost, stolen, or damaged.
Breakdown cover can help get you driving again so you don't miss a day's work.
Courtesy van cover so you can keep working if your van needs repairs. You’ll be given a temporary replacement vehicle until yours is back on the road.
Legal cover if you ever have to go to court due to an accident that wasn’t your fault.
Windscreen and window cover to cover repair costs for damaged windscreens or windows.
Public liability insurance. If your business is responsible for injuring someone or damaging their property. It's required if members of the public visit your business premises or you organise public events.
Cover for European driving is useful if you drive abroad as part of your business.
Employer’s liability insurance covers you if a member of staff injures themselves at work.
Sat nav and audio cover for any audio equipment and sat navs in your van.
You could get a quote in just five minutes. If you’ve used us before it’s even quicker. Just log in and check your details are up to date. For first-time customers:
"Simple solution to the best value van insurance."
David - Confused.com customer (March 2023)
"Quick and efficient with a good choice of policies."
Garry - Confused.com customer (March 2023)
"Great comparison site, fantastic prices."
Harry - Confused.com customer (March 2023)
You need to be 21 or older to buy commercial van insurance.
Yes. Just like with standard van insurance, you can add additional drivers to a commercial policy. Just be aware that it might affect what you pay - especially if they’re an inexperienced driver.
Looking to add more than one driver to a single policy? Then any driver van insurance might be worth looking at. This lets you insure a vehicle, or vehicles, for use by multiple drivers - which can be handy if you have several workers using the same van, for instance.
Fleet insurance is also handy and can be useful if you want to cut down on the admin of insuring several drivers and vehicles at once.
To add someone to a van insurance policy, you’ll need their details when you get a quote. This includes things like their licence type, how long they’ve held it and whether they’ve had any previous accidents or driving convictions.
Yes. If your van is registered to or owned by your company, some insurers will allow you to buy a policy under your company's name. But in some cases, the main driver must be the policyholder.
The categories on your driving licence will detail which vans and vehicles you’re qualified to drive. If you plan to drive your van for business use, you’ll need company van insurance to protect you and other drivers.
To be eligible to drive most heavy goods vehicles you’ll have to take a separate test, but there are some that you can drive on a standard licence.
You may be covered for driving in Europe, but this doesn't always come as standard. Check your policy or contact your insurer to find out.
With business and industry costs rising throughout the UK, companies want to save as much money as possible. If you compare commercial van insurance, you could save your business money.
Don't accept your renewal before getting quotes from our panel of insurance providers. It only takes 5 minutes and could give you a much-needed cost saving.
If you run a firm or have a lot of renovation or DIY jobs on the go, any driver van insurance could be the ticket. Here’s how it works.
What are your options for putting graphics on your van, and is it really worth it?
The insurance group your van is in can change how much you pay for your van insurance. Here's how you check what van insurance group your vehicle is in.
Read our guide to find out exactly what you need to become a professional heavy goods vehicle driver.
If you use tools for your work, you may want to consider tool insurance.
Adding a telematics device to your van could save you money on your insurance costs
gives you cheap, short-term cover from 1 to 28 days for social and business use.
cookie usage
We use cookies, some of which are essential to make our website work. For us to use our non-essential cookies, we need your consent. You can consent by accepting all or alternatively, manage your cookies at any time. For more information, read our cookie policy.
