How can I get cheaper insurance?
There are some things you can do to try and reduce the cost of your insurance:
Tell us if you're a trade federation member as some insurers offer a discount for van insurance. We'll only ask you this if you state that you intend to use your van for business or haulage purposes.
Compare prices and don't auto renew. Staying with your current insurer usually isn't the cheapest option. Even if your insurance price hasn't increased much from last year, compare prices to make sure you're getting the best deal.
Increase your voluntary excess. Typically, paying more towards any claims means you see lower costs. The most common excess amount with our customers is £250, with 45% choosing this level2.
Consider a black box policy. This can be especially useful if you're a young driver. These types of policies involve having an app on your phone or a small telematics device fitted to your van to monitor your driving habits. Generally, the safer you drive, the lower your insurance could be on renewal.
Build up your no-claims bonus (NCB). Each year you're insured without making a claim, you get a year added to your NCB. The bigger your NCB, the bigger the discount you could get on your insurance. With 5 years NCB, our customers paid £6602 for their insurance, on average. This is compared to £1,2682 with no NCB.
2Based on Confused.com data April - June 2023
What type of insurance can I get for my modified van?
This is the minimum level of insurance required to drive in the UK. It covers you for damage to someone else's property, but you and your van won't be covered. On average, this level of insurance costs £1,412*.
Third-party, fire and theft
This level offers the same cover as third-party, plus cover for your van if it's stolen or damaged by fire. On average, third-party, fire and theft insurance costs £950*.
This is the highest level of cover you can get. It provides everything included with third-party, fire and theft, plus cover for you and your van if you're involved in an accident. Although this level offers the most cover, it's often the cheapest, costing £652* on average.
*Based on Confused.com data April - June 2023
What are the classes of use for van insurance?
Social. You should select social if you only use your van for personal trips and not for commuting or working. Insurance for social use costs £5963, on average.
Social and commuting. You should choose this option if you use your van for commuting to a single permanent place of work as well as personal trips. On average, insurance for social and commuting costs £6243.
Own goods business. This includes using your van for business purposes. For example, if you're a builder, plumber or carpenter and use your van to transport tools or materials to each job. This type of insurance costs £6393, on average.
Haulage. This covers you if you're using your van to deliver third-party goods, also known as 'hire and reward'. You'll need this if you're a courier or delivery driver. Haulage van insurance costs £1,7793, on average.
3Based on Confused.com data April - June 2023
What our van insurance expert says
Types of van insurance
protects your van for social use and commuting to work.
covers your van while you're using it to make short or long haul deliveries.
covers your van while its being used for business-related driving.
protects your van and its cargo for haulage use.
protects pickups for social, business and haulage use.
gives you cheap, short-term cover from 1 to 28 days for social and business use.
provides cover for multiple vans under the same policy.
helps younger drivers get cover to drive a van.
Van insurance guides
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