Young driver van insurance

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*51% of van insurance customers could save £494.63. Based on data provided by Consumer Intelligence Ltd, (December '22).
**Single annual policy. Shell Go+ account required. Only one £10 fuel reward can be used per transaction and each can only be used on fuel purchases of £10 or over. HelloFresh 18+ subscription service. Geographical exclusions apply. T&Cs apply

How does van insurance work for young drivers?

If you're under 25, insurers will usually class you as a young driver.

You'll still be able to take out van insurance, and it'll still work in the same way it would for an older, more experienced driver. The only difference is, you're likely to pay more for it.

When you get a quote, you'll be given 4 options to choose from. These are known as classes of use, and you'll need to pick the one that most closely suits the way in which you use your van.

Your options will be:

  • Social: This is the type of van insurance you'll need if you're driving only for social excursions and your own personal use. We're talking camping or fishing trips - not driving to work.
  • Social and commuting: If you'll also be driving to your place of work in your van, you'll need to include cover for commuting as well as your own personal use.
  • Own goods: This is the option for people who are driving to multiple locations for work, such as tradespeople. You'll also need to consider goods in transit insurance if you're driving a lot of tools or equipment around in your van.
  • Carriage of goods for hire and reward: You'll need this type of van insurance only if you are using your van to make deliveries - couriers, for example.

What level of cover should I choose as a young van driver?

Just like car insurance, there are three levels of van insurance cover to choose from: third-party, third-party fire and theft, and comprehensive. Each type gives you a different amount of protection.

  • Third-party is the legal minimum insurance required for your van. It covers the cost of repairing damage to other vehicles and property after an accident that was your fault. You are also protected if you injure somebody, including any passengers, but your van itself won’t be covered.
  • Third-party, fire and theft includes all of the cover provided above, along with protection if your van is stolen or damaged by fire.
  • Comprehensive policies provide the highest level of cover. They include all of the above, along with protection for your van if it’s damaged as a result of an accident that was considered your fault, or suffers malicious damage.

As a young van driver, chances are your priority is to save money. But, while third-party van insurance might sound like the cheapest option, always look at comprehensive van insurance for young drivers, too. Sometimes there’s little difference in cost between third-party and comprehensive cover.

If you have only third party insurance and your van gets written off after an accident or needs extensive repairs, you could be left with a hefty bill.

How do I compare young van driver insurance quotes?

Van insurance can seem confusing, especially when you’re buying it for the first time. However, it doesn’t have to be and with our help you can get a quote in as little as five minutes.

  • Fill out our quote form. We’ll ask you a few questions about you, your van and your driving history
  • We’ll compare up to 52 van insurance companies to help find the right policy at the right price.
  • We’ll show you a list of quotes to choose from. Here you can view prices monthly or annually and add features such as breakdown or windscreen cover
  • Once you’ve bought van insurance don’t forget to come back and choose a freebie with Rewards.

Why is van insurance more expensive for young drivers?

Insurance for young van drivers can be expensive. This is because younger van drivers have less experience and are more likely to be involved in an accident and make a claim on their policy.

But it's not just you and your driving experience that are taken into account in your van insurance quote.

As well as your age and driving experience, you van insurance company will also consider:

  • The van you are driving. Like cars, vans are placed into insurance groups, and the lower the group the cheaper the insurance is likely to be. Generally, larger vans with bigger engines are pricier to insure than compact models with less power.
  • Your address: Where you live and keep your van overnight can also impact your quote. Insurers will take into account crime rates in your area and are likely to offer you a cheaper quote if you are able to park it in a garage or on a drive, rather than on the street.
  • Past claims: If you've been involved in an accident and claimed on your car or van insurance, your premiums could be higher.
  • Your job: If you work in a high-risk industry and use your van for work, this can also affect premiums.

Get an understanding how insurance companies calculate your van insurance quote and it's possible to keep your costs down.

How do I get cheaper van insurance as a young driver?

There are a number of ways for young van drivers to keep the cost of their insurance down:

  • Choose the right van: If you've not already bought your van, choose one in a lower van insurance group. Small and compact will always be cheaper than large and powerful.
  • Shop around for van insurance each year: Compare van insurance quotes with us when you first buy your van and every time you renew to ensure you always get best value for money. We compare car insurance quotes from up to 140 insurers to save you time and money.
  • Add extra security: Think alarms, immobilisers and trackers. The harder you make it for thieves to steal your van, the cheaper your van insurance will be.
  • Increase your voluntary excess: The more you can pay towards the cost of a claim, the lower your van insurance quote will be. Just make sure it's not so high that you can't afford to claim on your van insurance.
  • Use a dash cam: If you can send video footage of accidents to support a claim, some insurers will give you a discount on your van insurance.
  • Adding a named driver: A driver who is older and more experienced can bring the cost of your insurance down.
  • Consider telematics: Black box insurance policies involve using a device that monitors how, when and where you drive. The safer your driving, the lower your insurance will be.

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Need more help?

Is van insurance more expensive than car insurance for young drivers?

As a general rule, vans are more expensive to insure than cars. This is largely because they are bigger and have more powerful engines, meaning they can cause more damage in a collision.

The fact they can carry a lot of expensive cargo can also make them more attractive to thieves.

What else do I need to know about getting van insurance?

It's really important that the details you give your insurer are accurate and that you you're open, honest and truthful.

If not, you risk your policy being invalidated and any claim could be rejected. For example, you shouldn’t say you operate your van only for private use if you use it for work as well, or attempt to hide any previous accidents or driving convictions.

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What our van insurance expert says

When working out their insurance prices, insurers use van insurance groups to categorise different vans. As a young driver, choosing to drive a smaller, less powerful, or expensive van in a lower insurance group could be a good way to find cheaper van insurance.
Head of van insurance signature

Dan McCulloch

Head of van insurance van insurance customers rate us 4.7/5 based on 8984 respondents - as of 08/03/23). Read our reviews