What type of pick-up insurance do I need?
Pick-ups are classed as vans rather than cars when it comes to insurance. So to make sure your pick-up truck is covered, you need a van insurance policy.
There are 2 main types to choose from:
Private van insurance, which you’ll need if you use your pick-up for social use
Commercial van insurance, which you’ll need if you use your pick-up for work
The category of cover you need depends on how you use your pick-up. This is called its class of use and there are 4 main options to choose from when you get a quote:
- Social only
- Social and commuting to work
- Business use or carriage of own goods
- Haulage use - delivering goods for hire and reward
- Social only covers you for your daily driving - for example, going to the shops or visiting family.
- Social and commuting insurance covers you for commuting to a single place of work. Even if you drive your pick-up to a bus or train station as part of your commute, this still counts as commuting.
- Business use covers you if you use your pick-up for business and need to transport things like tools or work equipment. If you drive to multiple places of work, you'll likely need this type of insurance.
- Haulage use covers you if you're paid to carry goods owned by someone else. You'll likely need this cover if you're a courier or delivery driver.
Levels of cover for pick-up insurance
Third party only is the lowest level of cover. You're only insured against damage you've caused to someone else, their property and your passengers.
Third-party, fire and theft
Third-party, fire and theft covers everything third party does but also covers your pick-up if it's stolen or damaged by fire.
Comprehensive gives you the most protection, covering you, your pick-up, other people and their property. Although comprehensive offers the most protection, it can often be the cheapest option.
According to our data***, a third-party van insurance policy costs £1,412. However, a comprehensive policy costs £652.
***Confused.com data June 2023
How much is insurance for a pick-up?
To give you an idea of what you're likely to pay, here are the average costs2:
Social & commuting
What you pay for your insurance is based on a range of factors that include:
- How much your pick-up is worth - a more expensive van could increase the risk of theft.
- How you plan to use it - being on the road for long periods - for example, for work - increases the chances you’re involved in an accident.
- Your pick-up's engine size - the more powerful the engine, the more expensive the insurance costs.
- Your pick-up's security - a more secure and harder to steal van tends to lower your policy cost.
- Your pick-up's modifications - enhancements like body kits, exhausts and alloys can increase your insurance costs. They're also unlikely to be replaced by insurers on a like-for-like basis. For more information, read more about modified van insurance.
- Your driving history and no-claims bonus - your claims history affects how much your policy costs.
- Your age - younger drivers are less experienced so insurers tend to charge more.
- Where you live - an area with a high crime rate could be seen as high risk by insurers and that could see your costs rise.
What do insurers class as a pick up truck?
A pick-up truck is classed as a light-duty truck with an enclosed front cab and an open cargo area behind.
There are 2 main kinds of pick-up truck:
Single-cab pick-ups have 2 doors and 2 seats in the cab
Double-cab pick-ups have 4 doors and 5 seats in the cab
If your pick-up doesn’t have an open cargo area at the back, it might be classed as a 4x4. In this case, you need 4x4 insurance to cover it.
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.
If it weighs more than 3.5 tonnes (3,500kg) it may be classed as a HGV. In this case, you need HGV insurance for it.
Why choose Confused.com?
- Founded in 2002, we have over two decades worth of experience in insurance. Based in Cardiff, we help millions of customers each year with their car, home, van and motorbike insurance needs.
- We're not owned by an insurance company and we're 100% independent. That means you'll see our best prices based on the information you provide us.
Need any help? Our Cardiff-based team is here to help. Take a look at our contact page and get in touch.
With Confused.com Rewards you can choose from 4 different freebies when you buy van insurance**.
What our van insurance expert says
Types of van insurance
protects your van for social use and commuting to work.
helps younger drivers get cover to drive a van.
provides cover for multiple vans under the same policy.
covers vans that have had modifications like extra seats or storage added.
covers your van while its being used for business-related driving.
protects your van and its cargo for haulage use.
gives you cheap, short-term cover from 1 to 28 days for social and business use.
Keith - Confused.com customer (July 2023)
"Very easy to use and it was the cheapest quote. Very happy with the savings”
Maurice - Confused.com customer (July 2023)
“Easy, quick service”
Neil - Confused.com customer (July 2023)
“Fast response, easy, stressless form filling, would recommend.”
Mitchell - Confused.com customer (July 2023)
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