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Save up to £852* when you compare van insurance quotes

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*51% of van insurance customers could save up to £852.87. Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July '26).
**Single annual policy. App only. Maximum claim limit. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.
¹Correct as of July 2026

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Jump to What does van insurance cover? How much does van insurance cost? Classes of use How to get cheaper van insurance

Why choose Confused.com for van insurance?

We’ll beat your renewal

We guarantee to beat your renewal. If we can’t, we’ll pay you the difference, plus £20.

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Choose a £20 reward when you buy van insurance with Confused.com**.

Compare leading insurers

We compare quotes from 62 van insurance providers¹ to find you the right cover.

Save on your van insurance

You could save up to £852* when you compare van insurance with Confused.com.

We compare up to 62 van insurance companies¹ to save you money

See all van insurance companies we compare

What does van insurance cover?

Exactly what's covered will vary depending on your policy type and cover level. Here's a breakdown of what's commonly covered by van insurance.

What's typically covered by van insurance?

Here’s what’s typically included with van insurance depending on the cover level:

Feature	Comprehensive	Third-party fire and theft	Third-party only
Injuries to others	Included	Included	Included
Damage to others’ property	Included	Included	Included
Driving abroad	Included but cover is normally limited to third-party	Included but cover is normally limited to third-party	Included
Theft of your van	Included	Included	No
Fire damage to your van	Included	Included	No
Accidental damage to your van	Included	No	No
Damage to your van following an accident	Included	No	No
Payout if your van is written off	Included	No	No
Damage caused by vandalism of your van	Included	No	No
Personal belongings	Included	No	No
Driving other vans	Sometimes	No	No
Uninsured driver promise	Sometimes	No	No
Personal accident cover	Included	Optional add-on	Optional add-on
Windscreen cover	Included	Optional add-on	Optional add-on
Courtesy van	Sometimes	Optional add-on	Optional add-on
Breakdown cover	Optional add-on	Optional add-on	Optional add-on
Legal expenses cover	Optional add-on	Optional add-on	Optional add-on

What's not usually covered by van insurance?

Not everything is covered by van insurance. Here are some common exclusions:

Damage that results from general wear and tear
Driving under the influence of drugs or alcohol
Theft from an unlocked van
Your van being driven by an uninsured driver
Driving with an invalid licence
Driving without a valid MOT

A tip from our van insurance expert, Matt:

Exact cover limits will vary depending on the insurer and policy type. Always check your policy details to understand what you’re covered for.

Levels of van insurance cover

There are 3 levels of van insurance cover to pick from:

Third-party only (TPO)

Third-party insurance is the minimum level of cover required to legally drive a van in the UK.

TPO insurance covers injuries to others and damage to their vehicle or property. It doesn’t cover you or your van.

TPO van insurance is typically the more expensive cover option. This is because it’s historically been bought by drivers with higher risk profiles. On average, TPO insurance costs £1,599***.

Third-party, fire and theft (TPFT)

TPFT insurance covers injuries to third parties and damage to their property like TPO insurance, but it also covers your own van if it’s stolen or damaged by fire.

TPFT insurance won’t cover your van if it’s damaged in an accident, even if you weren’t at fault.

On average, TPFT insurance costs £1,120***.

Comprehensive

Comprehensive insurance offers the highest level of cover for your van.

It covers everything included in TPFT, but also covers your van if it’s damaged in an accident. It can also include cover like uninsured driver promises if you’re hit by an uninsured driver.

Comprehensive insurance is often the cheapest level of cover, costing £693*** on average.

How much does van insurance cost?

According to our data, the average price of van insurance is £707***, but the price you ultimately pay depends on various factors.

It’s important to be honest and accurate when getting quotes. Failing to declare something or deliberately entering incorrect information to try and get a cheaper price could result in your van insurance being invalidated.

A tip from our van insurance expert, Matt:

Buying your van insurance early is one of the best ways to save money. Our data shows that the cheapest time to buy is around 21 days before your renewal date².

Cover level

When you buy van insurance, you can choose from 3 cover levels: comprehensive, third-party, fire and theft, and third-party only.

Many people assume comprehensive insurance is the most expensive because it offers the highest level of protection. But comprehensive cover is actually often the cheaper option.

Cover level	Average cost***
Comprehensive	£693
Third-party, fire and theft	£1,120
Third-party only	£1,599

Class of use

You should declare how you intend to use your van when you buy insurance. There are 4 different classes of use, each with varying levels of risk, which impacts the price you pay.

Class of use	Average cost***
Social only	£577
Social and commuting	£682
Business use (Haulage)	£2,324
Business use (Carriage of own goods)	£681

Insurance group

Like cars, vans are assigned an insurance group between 1 and 50. Typically, vans in lower insurance groups are less powerful and have a lower value, so they’re often cheaper to insure than vans in higher insurance groups.

The existing van insurance group system is being replaced by the Vehicle Risk Rating (VRR) system. This new system rates vans manufactured from 1 August 2024 on a scale of 1–99. The rating is based on factors like your van’s repair costs, safety systems, anti-theft security, performance and damageability.

Vans that were manufactured before 1 August 2024, or new vans that are part of a range that existed before this date, will continue to be assessed using the old group system.

Payment type

You can choose whether you pay for your insurance in one larger annual payment, or in monthly instalments.

According to our data, customers could save 42% by paying annually instead of monthly. This price difference is because insurers add interest and admin fees to the overall cost when you choose monthly payments.

Payment type	Average cost***
Monthly	£965
Annually	£565

Age of the driver

Van insurance for young drivers is typically more expensive because they’re seen as higher risk by insurers. This is due to their lack of experience on the roads. Younger drivers also won’t have had a chance to build up a substantial no-claims bonus.

Age group	Average cost***
17-20	£3,112
21-25	£1,762
26-30	£1,312
31-35	£941
36-40	£778
41-45	£690
46-50	£580
51-55	£463
56-60	£387
61-65	£352

A tip from our van insurance expert, Matt:

If you’re a younger driver, it’s worth comparing telematics insurance, or black box van insurance, to see if you could find a cheaper policy. These policies monitor your driving habits. The safer you drive, the more you could potentially save at renewal.

Van modifications

Any modifications you make to your van can impact its value and performance. If your van has a higher value, or is more powerful, your insurance might cost more.

It’s important to accurately declare any modifications that have been made to your van. Failing to do so could result in your insurance being invalidated.

Modification	Average cost***
Extra windows	£428
Interior changes	£466
Alloy wheels (non-standard)	£441
Decals	£478
Exterior decorative changes	£560

How to save money on your van insurance premiums

"According to Consumer Intelligence, van insurance premiums rose by 2.4% between June 2025 and June 2026. This increase is impacting newer vans the most, with insurance for vans under 2 years old increasing by 8.1% in Q2 2026. Opting for an older, second-hand van could help save you money.

“Comparing prices is another great way to save some money on your van insurance. Between June 2025 and June 2026, Confused.com customers saw a 2.9% decrease in van insurance costs³.

“Our data shows that the cheapest time to buy your van insurance is around 21 days before your renewal is due²."

Matt Crole Rees Motor General Manager & Motor Insurance Expert

Van insurance classes of use

When you get a quote you'll need to tell us how you use your van, so we can find you the right insurance. Here's a breakdown of the different classes of use:

Social only

This covers you for social, pleasure and domestic use of your van. It includes everything from daily driving to road trips, but doesn't include commuting to work. It also doesn't include using your van for any sort of business-related activity.

Best for: Everyday drivers

Social & commuting

This covers everything social only policies do, but adds in commuting to a single place of work. This includes commutes to bus and train stations too. If you travel to more than one place of work, you’ll need business van insurance.

Best for: Commuters

Business use

This covers your van for business use. It includes carriage of own goods, meaning you’ll be covered to carry things like tools or equipment that belong to you, your business or a business partner. It doesn't cover you to carry others’ property.

Best for: Sole traders

Haulage

This covers your van for delivery driving. Often referred to as carriage of goods for hire and reward, it includes use by couriers, delivery drivers and haulage contractors. It doesn't cover you for taxi use. For this, you’ll need taxi insurance.

Best for: Delivery drivers

What type of van insurance do I need?

Private van insurance

Covers your van for non-business driving, whether that's social use or commuting to a single place of work.

Courier van insurance

Covers you while you're using your van to make deliveries. Add in goods-in-transit cover to insure the items you're delivering.

Commercial van insurance

Covers your van for business use, such as driving to multiple sites to carry out trade work, like plumbing or building.

Fleet van insurance

Covers your entire business fleet under one, easy-to-manage policy, whether that's two vans or a fleet of 200.

Pickup truck insurance

Covers open-back pickup trucks. Due to their size, pickups are usually classed as vans for insurance.

Modified van insurance

Covers vans that have been modified, whether this is additional seats, storage, spoilers or anything in between.

How to compare van insurance quotes

Compare cheap van insurance quotes in just a few minutes. If you’ve used Confused.com before for your van insurance, it’s even quicker! Just log in and we’ll remember your details from last time.

Tell us about yourself

We'll need some details about you, such as your age, address, annual mileage, driving history and job title.

We’ll also need some information about your van, including details of any modifications and how you use your van.

Insurers use this information to help assess your risk. It’s important to be accurate.

Choose your level of cover

You can choose from TPO, TPFT, or comprehensive cover. Consider which level might best suit your needs.

You’ll also be able to select any optional extras you’d like to add to your cover. Just remember these can increase the overall price of your policy, so only add extras you think you’ll need.

Choose your policy

We’ll compare your details against the 62 van insurance companies¹ we work with to show you a list of quotes.

All you need to do is read the policy details carefully and compare the prices to find the van insurance that suits you best.

Don’t forget to claim your £20 reward** when you’ve bought your insurance.

Get £20 to spend with 100+ brands plus year-round hot drinks when you buy**

Get a van quote

How to claim

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**Single annual policy. App only. Maximum claim limit. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.

How to get cheaper van insurance

Pay annually instead of monthly

It’s usually more expensive to pay monthly because insurers add interest to the overall cost. Our data shows that you could save 42%*** by paying for your van insurance in one annual payment rather than monthly instalments.
Don't auto-renew

You could save up to £852* by shopping around and comparing van insurance quotes instead of letting your policy auto-renew. By comparing quotes, you might also find a policy that fits your needs better.
Increase your voluntary excess

Increasing your voluntary excess reduces how much insurers pay if you need to make a claim, so it can lower your upfront costs. Just make sure your excess is set at an amount you could afford if you needed to claim. And don’t forget to factor in the compulsory excess.
Add a named driver

If you’re a new driver, adding a more experienced named driver can help reduce your insurance costs. Don’t add them as the main driver if you do the majority of the driving though. This is known as ‘fronting’, and is considered fraud.

Install a dash cam

Dash cams can help prove fault following an accident, which can speed up the claims process. Having one installed can sometimes make your insurance cheaper.
Consider a telematics policy

Telematics, or black box, van insurance policies track your driving habits. Driving safely can result in your insurer offering a discount on your van insurance. These policies can be especially useful for young drivers.
Build your no-claims bonus (NCB)

Every year you’re insured without making a claim, you get a year added to your NCB. Some insurers offer a discount for having a NCB. With 0 years NCB, the average price of van insurance was £1,695***. With 5 years NCB, this went down to £667***.

For more tips, read our guide on how to save money on your van insurance.

What extras can I add on to my van insurance?

Goods in transit insurance

If you use your van for work, this covers the items you're transporting against loss, theft or damage. It's especially useful for couriers.

Legal expenses cover

Helps with legal expenses if you're taken to court as part of a claim. Exactly what's covered depends on your policy.

Windscreen cover

Adds protection for your windscreen. If it's chipped, smashed or cracked, you'll be able to claim for repairs.

Van breakdown cover

Helps rescue or repair your van if it breaks down. Exactly where you'll be able to be towed depends on your policy.

Courtesy van cover

Some policies include this as standard. Provides you with a courtesy van if yours is in repairs, stolen, or written off.

Our customers say:

“Crazy, I saved over £200 on my van insurance renewal and have received more comprehensive cover with a lower excess!!”

Matt - Confused.com customer (June 2026)

Confused.com scores a 4.5 out of 5 rating
based on 14507 reviews as of 10/08/2026

Defaqto ratings: What are they and why do they matter?

Defaqto is an independent company specialising in financial products, including van insurance. They rate policies between 1 and 5 stars based on the quality of the policy.

3 stars indicates that a policy includes a standard level of cover. 4 or 5 stars typically indicate a more comprehensive policy.

We’ll show you the Defaqto ratings for each policy when you compare van insurance quotes. Keep an eye out for these ratings for a better understanding of the quality of each policy.

Frequently asked questions

Can I get black box insurance for my van?

Yes, black box van insurance can be a quick and easy way to save, especially if you're a young driver or have a poor driving history.

Just make sure you understand how your policy works. Some policies come with limitations, like night time curfews or a mileage allowance.

Will I be insured to drive my van abroad?

Yes, most van insurance policies include cover to drive in EU countries. You'll usually be covered for a maximum of 30 days in any one period.

Just remember that most policies will only offer third-party cover when driving abroad, even if your policy is comprehensive at home. If you’d like a higher level of cover or need cover for a longer period, you can usually add it to your policy for a fee by speaking to your insurer.

Can I add other drivers to my van insurance policy?

Yes, most insurers let you add a named driver to your van policy. This can be a good way to share the driving or even reduce your costs, especially if the added driver has a clean record.

Just be mindful that adding younger drivers or those with points on their licence could increase how much you pay.

It’s also important to be accurate about who the main driver is. This should be the person who drives the van the most. Being misleading about who the main driver is to save money is known as fronting, which is a type of insurance fraud.

Does van insurance include a courtesy vehicle?

Some van insurance providers offer courtesy van cover as standard. Others might offer this feature as an optional add-on that you can include on your cover for an extra fee.

If you want to make sure a courtesy vehicle is included on your policy, check for ‘courtesy van cover’ next to the quotes we give you when you compare quotes with us. These policies come with courtesy vans as standard.

If you find a policy you like that doesn't include courtesy van cover, you might be able to add it on for a fee.

Keep an eye out for what type of cover you're given though. Some policies might offer you a like-for-like courtesy van, whereas others might only offer a basic model.

Can I cover multiple vans on a single policy?

Yes, many insurers offer multi-van insurance.These policies can often be cheaper than insuring each van separately.

Will my goods or tools be covered by my van insurance?

Van insurance won’t usually cover your goods or tools as standard. If you want cover for these items, you’ll need to add them as optional extras.

Business van insurance sometimes covers carriage of own goods, which covers personal items, tools or goods related to your business, but not goods that are being carried for a fee. For these, you’ll need hire and reward cover.

How old do I have to be to get van insurance?

You can legally drive a van from 17, but it might be difficult to find van insurance at that age. Some van insurers cover drivers from the age of 18. But many require drivers to be at least 21 before they’ll cover them.

When you compare van insurance quotes, we’ll ask for your date of birth. So, you’ll know that the list of policies you see are from insurers that are able to offer you cover based on your details.

Van insurance guides

Is my vehicle a car or a van?

Not sure if you have a car or a van? Get clear answers on vehicle types, key differences and insurance considerations. Find out if you have a van or a car.

Van warranty

Our handy guide to van warranties: what they cover, how to choose the right one, and how it differs from insurance. Make an informed decision for your van.

Tractor and agricultural vehicle insurance

Not sure what insurance your farm vehicles need? Discover how to get the right cover for your tractor and agricultural equipment with our helpful guide.

Van MOT: Checklist

Complete guide on Van MOT's

Van sign writing - is it worth it?

What are your options for putting graphics on your van, and is it really worth it?

How to get your HGV licence

Driving a heavy goods vehicle (HGV) requires a HGV licence. Here's how you pass the 4-part test known as the Certificate of Professional Competence (CPC).

See all van insurance guides

Methodology

*51% of van insurance customers could save up to £852.87. Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July '26).

***Confused.com data, April - June 2026. Prices reflect the median cost of van insurance paid by Confused.com customers.

²Confused.com data April - June 2026. The median cost of van insurance for policies purchased 21 days before inception was £436.66. Based on 8,392 quotes.

³Confused.com data. Prices reflect the median cost of van insurance paid by Confused.com customers. In June 2025, the median annual cost for van insurance was £746.03, based on 108,671 quotes. In June 2026, the median annual cost for van insurance was £724.54, based on 132,606 quotes.

Reviewed by Matt Crole Rees Motor General Manager & Motor Insurance Expert Updated on 08 September 2026

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Van insurance

Save up to £852* when you compare van insurance quotes

Why choose Confused.com for van insurance?

We compare up to 62 van insurance companies1 to save you money

What does van insurance cover?

What's typically covered by van insurance?

What's not usually covered by van insurance?

Levels of van insurance cover

How much does van insurance cost?

Cover level

Class of use

Insurance group

Payment type

Age of the driver

Van modifications

How to save money on your van insurance premiums

Van insurance classes of use

What type of van insurance do I need?

How to compare van insurance quotes

Get £20 to spend with 100+ brands plus year-round hot drinks when you buy**

How to get cheaper van insurance

Pay annually instead of monthly

Don't auto-renew

Increase your voluntary excess

Add a named driver

Install a dash cam

Consider a telematics policy

Build your no-claims bonus (NCB)

What extras can I add on to my van insurance?

Our customers say:

Defaqto ratings: What are they and why do they matter?

Frequently asked questions

Can I get black box insurance for my van?

Will I be insured to drive my van abroad?

Can I add other drivers to my van insurance policy?

Does van insurance include a courtesy vehicle?

Can I cover multiple vans on a single policy?

Will my goods or tools be covered by my van insurance?

How old do I have to be to get van insurance?

Van insurance guides

Methodology

Ready to get a van insurance quote?

We compare up to 62 van insurance companies¹ to save you money