Temporary van insurance

Find short term cover for your van in minutes

The average cost for a one day temp van policy is just £48*

  • Get covered instantly if you need a policy to start immediately

  • Buy cover up to 28 days in advance

  • Flexible cover and no lengthy contracts

*Figure from Tempcover for average policy purchases in October 2021.

What is temporary van insurance?

Temporary van insurance is a short term, comprehensive insurance policy to protect you and your van for between 1 hour and 28 days.

Unlike conventional van insurance, short term and temporary van insurance policies allow you to get comprehensive cover to drive a van, just for the period you need.

If driving a van is something you do rarely, it’s a great way to get comprehensive insurance protection at a price that reflects the amount you drive.

When would I need temporary van insurance?

There are times when you may want to consider taking out a temporary van insurance policy:

If you drive for work, but only occasionally, like if you’re self-employed and need to move some goods for instance, a temporary policy can be cheaper than a full 12-month policy. But be aware, you’ll need to SORN your van while it’s uninsured.

If you're moving home and have a lot of items to transport. Borrowing or hiring a van can help speed things up, but you’ll need a valid insurance policy to drive on UK roads.

If you're moving larger items like white goods or furniture.

If you're test driving a new van you might be able to get temporary cover that starts straight away.

If you're driving a new van home, temporary insurance offers you cover straight away and could buy you some time while you shop around for longer term insurance.

What does temporary van insurance cover?

Temporary van insurance gives you all the cover you’d get with annual van insurance.

Exactly what you’re covered for can differ from policy to policy, but most temporary insurance will cover you for:

  • Theft if your van is stolen
  • Repair or replacement costs if your van is damaged in an accident, by fire or vandalism
  • Claims from third parties
  • The cost of replacing your personal belongings depending on your insurer, as well as your policy
  • Driving in the EU, although again this depends on your insurer
  • Damage you inflict on a third party whether that's their property or their vehicle, even if you're at fault

What isn't covered by temporary van insurance?

Like a 12-month van insurance policy, there are certain things that won't be covered by a temporary insurance policy. These include:

  • Driving other vehicles
  • Additional drivers
  • Releasing the van from an impound
  • Any damage to trailers
  • Any personal belongings or tools

Driving other vehicles. You’ll only be covered for the van that’s listed under the policy.

Additional drivers. Only the policyholder will be covered.

Releasing the van from an impound will be down to the policyholder. Any fees won’t be covered by your policy.

Any damage to trailers being towed by the van.

Any personal belongings or tools being carried in the van.

Find cover for your van in minutes

Pros and cons of temporary van insurance

If you’re only driving a van as a one off or on an occasional basis, short term van insurance could be cheaper and more flexible than standard year-long cover.

But there are pros cons to any policy. For temporary van insurance these include:

Pros

  • Only pay for the cover you need
  • Protected no-claims bonus on any other vehicles you own
  • Arrange cover in minutes

Cons:

  • Less convenient than annual cover if you drive regularly
  • Not all benefits you’d get on a 12-month policy are included
  • Can work out more expensive than an annual policy

Which types of van can be insured?

When getting a quote, you can select from the following body types:

  • Van
  • Tipper
  • Pickup – single cab
  • Refrigerated/insulated
  • Pickup – double cab
  • Motorcaravan
  • Box van
  • Horsebox
  • Luton van
  • Vans up to 5 seats in total

It’s vital you select the correct van body type for the van you are insuring. Getting it wrong could mean you pay more, or worse, invalidate your cover.

What do I need to get a temporary van insurance quote?

Here's what you'll need to get a quote:

Personal details

  • Your name and address
  • Your licence details
  • What you’re going to be using the van for - for example, social and domestic use or business use
  • Full payment details

Van details

  • Details of the van you’d like insurance for
  • How long you’d like cover for
  • The date and time you’d like cover to begin

What type of cover is available?

Depending on how you use it, you can insure your van for:

  • Social, domestic and pleasure use
  • Commuting, plus social, domestic and pleasure use
  • Carriage of own goods in connection with your business
  • Courier or haulage use

Find out more about the different classes of use for van insurance.

Can you get temporary van insurance for longer than a month?

Temporary van insurance policies typically only last for up to a month. However, you can buy as many as you like back to back, so if you need cover for multiple months in a row, this is a potential solution.

However bear in mind that this may not be the most cost effective way to get cover. If you think you'll be driving frequently, a standard van insurance policy might work better.

Who is temporary van insurance good for?

Temporary van insurance can be useful for a range of different drivers, including:

  • Small business owners or sole traders who only need a van occasionally
  • People hiring or borrowing a van to move home
  • Students or their a family members moving their things to university
  • Anyone delivering or collecting large items with a borrowed van.
Confused.com’s temporary cover solution is provided by Tempcover LTD. Tempcover LTD are authorised and regulated by the Financial Conduct Authority under firm reference number 746985. Tempcover LTD is registered in England No. 9923259 at office: 2nd floor, Admiral House, Harington Way, Fleet, Hampshire, GU51 4BB. Confused.com is an intermediary and receives a percentage of commission received by Tempcover LTD.