How do I get cheaper van insurance as a young driver?
There are several things you can do to keep the cost of your insurance down:
- Add a named driver to your policy. Adding someone with more experience can reduce the cost of your insurance as you're sharing the risk.
- Consider a temporary insurance policy. If you don't need to be insured on a van all the time, it could work out cheaper to get temporary insurance on someone else's van when you do need it.
- Avoid auto-renewal and shop around. Even if your insurance hasn't increased much from last year, you might be able to get a better deal by comparing quotes. The cheapest time to buy your policy is 19 days2 before your renewal date.
- Increase your voluntary excess. This is the amount you pay towards any claims. Increasing the amount you're willing to pay can reduce the cost of your insurance. The most popular excess amount with our customers is £2502, with 45% choosing this level. Just be sure to set it at an amount you can afford to pay.
- Increase your van's security. Cans can be an attractive target for thieves as they often carry expensive equipment. Increasing your security can make it harder for someone to steal your van - think alarms, immobilisers and trackers.
- Consider a black box policy. This type of policy uses a device or smartphone app to track how, when and where you drive. It then gives you a driving score based on how safe your driving is. The safer your driving, the lower your insurance could be on renewal.
- Build your no-claims bonus (NCB). As a young driver, you might not have many years of no-claims built up. But, each year you're insured without making a claim, your NCB increases. Insurers offer a no-claims discount, and the bigger your NCB, the bigger the discount is. With 5 years NCB, the average cost of van insurance is £6962. This is 45% cheaper than van insurance with no NCB, which is £1,2682.
2Based on Confused.com data April - June 2023
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Types of van insurance
protects your van for social use and commuting to work.
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.
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.
protects pickups for social, business and haulage use.
Van insurance guides
Having insurance for your van is a legal requirement. But it doesn't mean you have to pay over the odds for decent cover.
Improving the security of your van can not only make it more secure but also help bring the cost of insurance down.
If you’re thinking of driving a heavy goods vehicle for your career, you’ll need to get a new licence.
Licence categories tell you which vans or heavy goods vehicles you can drive, but it's not always clear what they mean.