Insurers class a pick up truck as a light-duty truck with an open cargo area behind the cab. The sides of the cargo area are usually low, with a tailgate at the back.
For a truck to be classed as a pick up, it must also have an unladen weight, known as its ‘kerb weight’, of no more than 2,040kg.
There are 2 main kinds of pickup truck:
Popular models of pick up trucks include:
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*51% of van insurance customers could save £533.47 Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (March '23).
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The type of pick up insurance you need depends on how you plan on using your truck. This is known as its class of use.
There are 4 main classes of use to choose from:
Social only is a type of private van insurance that covers you for your daily driving, whether that’s popping to the shops or going to see family or friends.
Social and commuting insurance covers you for commuting to a single place of work. If you drive your van to a bus or train station as part of your commute, this still counts as commuting. If you drive to multiple places of work, you likely need a type of business van insurance.
Business van insurance covers you if you use your van for business and need to transport things like tools or other work equipment.
Haulage covers you for the carriage of goods for hire and reward. You'll likely need this cover if you're a courier, delivery driver or are making long range deliveries.
As pick ups need to be insured under a van policy, here are the average cost of van insurance, to give you an idea of what you're likely to pay. 1.
Social only
£426.77
Social & commuting
£466.71
Commercial
£492.77
Haulage
£1603.88
1Confused.com data. Median purchased premium price of all sales between Nov '22 and Feb '23
What you pay for your insurance is based on a range of factors that include:
But there are a few ways to save on van insurance, like:
Yes, you can cover a modified pickup truck. But might cost you more to do so.
Just like with modified van insurance, any modifications you make that could raise your risk of a being in an accident are likely to lead to higher insurance costs. These can include:
This can be the case even if the modifications you make help you with your job. For example, equipment for a dog-grooming or catering business you install in the back.
But not all modifications raise your insurance costs. Things that increase your pickup’s safety or security often don't affect what you pay. These include things like:
protects your van and its cargo if you use your van for haulage or business use.
gives you cheap, short-term cover from 1 to 28 days for social and business use.
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