How to compare cheap van insurance quotes
Whether you drive a transit van, crew cab, pick-up or a tipper, we know how important your commercial vehicle can be. As long as it’s not over 3.5 tonnes, we’re here to help you compare cheap van insurance policies, with options including breakdown cover both here and abroad, to make sure your business always runs smoothly.
What are the different types of van insurance?
There are a number of policy types available for van owners. It’s worth considering how you use your van to pick the right insurance cover for you.
Third party only - This cover is the minimum required by law. It covers you for any damage you cause to other people and their vehicles. However, it won’t cover repairs to your own van, personal medical expenses or theft.
Third party fire and theft - This offers the same cover as third party with added protection in case of fire or theft.
Comprehensive - Includes all the cover of a third-party fire and theft policy, and also protects you and covers repairs to your van in the event of an accident.
Can I get a quote for my unusual van?
Whether it’s an ice-cream van or a pick-up truck, as long as it’s not over 3.5 tonnes you can still compare van insurance quotes with us. If you’ve modified your van (for example, the bodywork, engine or exhaust) be sure to mention it and we’ll help you find a deal that’s right for you.
What information do I need to compare van insurance?
The following can be useful when comparing van insurance quotes:
Make sure you have the make, model and details of any modifications of your vehicle to hand. If you’re unsure, your V5C document may have this information.
Recent insurance documents
Again, these will contain most of the details required for a quote. They’re also worth referring to for up-to-date claims information, as this could influence the prices you’re quoted.
Recent conviction details
Being upfront about past convictions, such as speeding penalties, is essential. If you can’t remember, details can be found through the Government’s licence information site.
What factors could affect the cost of my van insurance?
If you’re looking to get the best possible price on your van insurance, be aware that several things may affect your premium, such as your no claims discount, voluntary excess and the type of lock or alarm you use.
No claims discount This is likely to be on a renewal reminder or a cancellation letter from your current insurance provider.
Driving licence number Your driving licence number may enable some insurance providers to reduce your premium as it gives them the most up-to-date information. You can use mylicence.org.uk to find your driving licence number.
Voluntary excess This is how much you choose to pay upfront in the event of a claim. Providers usually add an additional compulsory excess on top of this amount, so do check as you will have to pay both excesses.
Locks and immobilisers More secure vehicles with an approved alarm, immobiliser and/or tracker could be cheaper to insure.
What additional cover should I consider alongside standard van insurance?
For full peace of mind, you might want to kit your policy out with some extras. You can compare van insurance based on the following extras with us:
Legal cover will take care of some legal costs (for yourself or others) as a result of an accident that was not your fault.
Courtesy vans are temporary vehicles that you can use to get back on the road if your van is out of action.
Breakdown cover isn’t a legal requirement, but can save you a lot of hassle and keep you on the job at hand.
You may also want to consider public liability, employers’ liability and tools insurance.
Public liability insurance will cover you against claims from members of the public who’ve been injured as a result of your actions at work.
Employers’ liability insurance will cover you for claims of negligence made against you by employees.
Tool insurance will cover the equipment you might keep in your van against theft.
Why compare van insurance with comparethemarket.com?
We independently compare some of the UK’s trusted insurance providers to provide van drivers with great insurance deals.
We’ll show you policies based on price, policy cover level, add-ons or annual or monthly payment terms – helping you compare based on your needs.
And that’s not all, buying van insurance through comparethemarket.com means you get MEERKAT MOVIES*. This will give you 2 for 1 cinema tickets on Tuesdays or Wednesdays, every week, for a whole year.