**50% of people could achieve a quote of £668.01 per year for their van insurance based on Compare the Market data in June 2021.
How to compare cheap van insurance quotes
Whether you drive a transit van, crew cab, pick-up or tipper, we understand that proper van insurance is essential for your peace of mind.
So long as your van doesn’t weigh more than 3.5 tonnes, we can help. We’ll compare van insurance quotes from 33 leading providers† – including Admiral, Churchill, Autonet and Hastings Direct – with the option to include breakdown cover, to make sure your business always runs smoothly.
†Correct as of June 2021.
What is van insurance?
Van insurance is a separate type of cover to car insurance, which is tailored to protect your van against the risks of being on the road. But, just like car insurance, by law you must have at least third-party insurance for your van.
You’ll need a different type of insurance depending on how you use your van, what type of van it is and whether it’s for private or business/commercial use.
What are the different types of van insurance?
There are three main types of van insurance policy for van owners: third-party-only insurance, third party, fire and theft insurance, and comprehensive van insurance.
- Third party only: This is the minimum level of cover you’ll need to legally drive on UK roads. It covers you for any damage you may cause to other people and their vehicles. But it won’t cover repairs to your own van, theft or personal medical expenses following an accident.
- Third party, fire and theft: This offers the same protection as third party, but also covers the cost of repairs or a replacement vehicle if your van is stolen or damaged by fire.
- Comprehensive van insurance: This includes all the cover of a third party, fire and theft policy, along with cover for the repair of your own van if it’s in an accident or vandalised.
It's a common misconception that fully comprehensive insurance is always the most expensive because it offers the most protection. It can actually be cheaper than third party in some cases, so it’s worth getting a quote for all types to compare your options.
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What's the difference between commercial and private van insurance?
If you’re comparing types of van insurance cover, here’s a breakdown of the main things to look for:
Commercial van insurance (also known as business van insurance) is for you if you use your van for work in any way – including travel to or from more than one business location. There are two main types of commercial van insurance: carriage of own goods (i.e. tools of your trade) and haulage (i.e. goods you’re delivering).
Private van insurance is for drivers who use their van for social, domestic or pleasure purposes – in other words, anything but business. So, shopping or visiting family members, for instance.
Courier van insurance is a specialist type of van insurance for those who make regular deliveries. It’s specialist because it’s built as a package to suit your needs, so you’ll need to tailor your policy with your provider. This can include goods in transit cover.
Pickup van insurance comes in both private and business form. Pickups can often be open-backed, which means they’re treated differently, so you’ll need a separate type of cover.
How can I get cheaper van insurance?
If you’re looking for ways to get cheaper van insurance, there are several things you can do:
Compare van insurance quotes – one of the quickest ways to get cheaper van insurance is to compare quotes with Compare the Market. Don’t just automatically renew your policy with your existing provider. We can compare a wide range of insurance providers, allowing you to choose which one has the right level of cover for a great price.
Build a no-claims discount – providers offer a discount based on the number of years you’ve been driving without making a claim. If you’re unsure how many you have, it’s likely to be on a renewal reminder or a cancellation letter from your current insurance provider.
Increase your voluntary excess – this is how much you choose to pay upfront if you make a claim. The higher this figure is, the lower the cost of your insurance policy (your premium) may be. Providers usually add a compulsory excess too, so do check you can afford the total amount as you’ll have to pay both excesses.
Fit locks and immobilisers – vans with extra security features, like an approved alarm, immobiliser and/or tracker, could be cheaper to insure. But before spending money on improving your van's security, check with your provider to make sure it will be worthwhile.
Don’t over-insure – if you over-estimate the value of your van, or include unnecessary add-ons, you’ll likely pay more. Always consider optional extras carefully, to avoid over-paying, while ensuring you have the right level of cover you need.
Drive fewer miles – being on the road less means you’re less of a risk for providers, who may then charge less for cover.
Pay upfront – paying in monthly instalments usually results in a greater cost overall, effectively acting as a loan repayment. By paying your insurance annually, you’ll normally make a decent saving on this added interest.
What additional cover should I consider alongside standard van insurance?
For total peace of mind, you might want to kit your policy out with some optional extras:
- legal cover could take care of some legal costs (for you, named drivers or passengers) if you’re involved in an accident that wasn’t your fault
- courtesy vans are temporary vehicles that you can use to get back on the road if your van is involved in an accident.
- breakdown cover helps you to get back on the road or towed to a garage as quickly as possible if your van breaks down while you’re out and about.
If you’re comparing commercial van insurance, you may also want to explore these business insurance products:
- public liability insurance – if you’re self-employed, this will cover you against claims from members of the public who’ve been injured due to your actions at work
- employers’ liability insurance – if you’re self-employed, this will cover you for claims of negligence made against you by your employees
- tool insurance – this covers the cost of replacing equipment you might keep in your van if it’s stolen. Please note, you can’t compare tool insurance with us.
Our van insurance providers
We compare dozens of cheap van insurance quotes with a wide range of insurance providers, including:
Frequently asked questions
Do I need van insurance?
By law, you must have at least third-party insurance for any vehicle you drive unless it’s registered as kept off public roads through a Statutory Off Road Notification (SORN). Even if you only use your van occasionally or it’s left in a yard most of the time, it will still need to be insured.
Cover must be in place all year round under the continuous insurance enforcement regulations. Most vans won’t be covered by standard car insurance, so you’ll more than likely need to take out van insurance to get the cover you need.
Can I have more than one van on my insurance policy?
Multi-van insurance (also known as fleet cover), lets you insure several vehicles under one policy with a single renewal date, so you don’t need to have individual policies for each van. This can work out cheaper because you’re effectively making a bulk purchase. Having one point of contact and a single renewal date can also make admin easier.
Unfortunately, you can’t currently compare multi-van policies with Compare the Market.
Can I add additional drivers to my van insurance policy?
Yes, you’ll need to let your insurance provider know if you want to add another driver so they can give you a quote. They’ll want to know the driver’s details, including whether they’ve made any recent claims and have any motoring convictions. They may also charge you an admin fee.
Adding an older, more experienced driver to your policy could lower the cost of your van insurance but, on the flip side, adding a less experienced driver might see your premiums go up.
How do I make a claim on my van insurance?
If you want to make a claim on your van-insurance policy, you should get in touch with your provider as soon as possible.
Before you begin:
- Check your policyholder documents for any time limits on claims
- Gather the information you’ll need to give your provider, including any photos taken at the scene of an accident, plus details of the other driver and any witnesses.
Contact your insurance provider directly. Once they have all the information they need, your claim will be assessed to see if it can go ahead.
Can my company van be insured under the company name?
If your van is registered to or owned by your company, it can be insured under your business’s name.
What is a no claims discount for van insurance?
A no-claims discount, also called a no-claims bonus, is a reduction in the cost of your insurance that providers give you based on the amount of time you’ve been driving without making a claim. It’s usually measured in years, for example a five-year no claims discount.
Can I get a courtesy van or car?
Depending on your level of cover, you may be able to get a courtesy car or van while your van is being repaired. Be careful to check your policy details carefully though, as this courtesy car or van could be significantly different in type and size, depending on the type of cover you’ve bought. Some providers will include this as part of your policy, while others may need you to add it as an extra.
What types of vans can I get a quote for?
While the panel van is the most popular van in the UK, we also offer insurance for pick-up vans and insurance for tippers, as well as insurance for crew cabs, transit vans, livestock vans, curtainside or dropside vans and more.
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.
Am I insured to drive my van abroad?
UK van insurance gives you third-party cover to drive in EU countries, as a minimum. To be fully covered, you may need to extend your policy to include foreign use cover (for an extra charge), if it’s not included as standard in your policy.
Many commercial van insurance policies also include cover for business travel abroad, or you can add it on at an extra cost. Although you will need valid van insurance, you don’t need a Green Card to drive in the EU, Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Serbia and Switzerland, but you may need it for other countries – see the GOV.UK website.
Can I get black box insurance for my van?
Yes, a black box policy (also known as telematics) is available from some van-insurance providers. A black box policy involves installing a device on your van or app on your phone, which monitors your driving behaviour.
Black box insurance policies are more popular among young van drivers, because they’re often charged more for their insurance due to lack of experience on the roads.
Why should I get legal cover?
If you’re involved in an accident that wasn’t your fault and you’re taking legal action against the other driver to recover your uninsured losses, the legal costs could be very expensive. To protect yourself against these costs, legal protection insurance could cover these payments. Look for this cover when comparing van insurance.
Is there a minimum age for van insurance?
If you have a standard car driving licence, you can drive a van up to 3,500kg, but some insurance providers put restrictions on the eligibility of drivers according to their age – not covering drivers under 25, for example. This is because young van drivers are seen as high risk. Van insurance premiums for young drivers are usually considerably higher because of this too.
How much does van insurance cost?
|Van insurance could cost from
|Young driver van insurance could cost from
|50% of customers could save up to
on their van insurance premium****
**50% of people could achieve a quote of £668.01 per year for their van insurance based on Compare the Market data in June 2021.
***50% of young drivers between 17-24 years old could achieve a quote of £1,559.04 per year based on Compare the Market data in June 2021.
****Based on online independent research by Consumer Intelligence during May 2021. 50% of customers could achieve this saving on their Van insurance through Compare the Market.
These are just averages. The cost of van insurance depends on a number of things including the value of the van, how likely it is to be stolen, whether you’re a driver who abides by the law, how many miles you drive and so on.
You could find cheaper insurance when you compare with Compare the Market.Start a Quote
What information do I need to compare van insurance?
To compare quotes, you’ll need your vehicle details, recent insurance documents and details of any recent convictions.
- Vehicle details – 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 needed to get a quote. They’re also worth referring to for up-to-date claims information, as this could influence the prices you’re quoted.
- Driver's personal details – as well as name and address, age and so on, you need to detail any past offences, including speeding penalties. If you can’t remember, details can be found through the Government’s licence information site.
Why use Compare the Market?
|We search van insurance from 33 leading providers^^||Get a van insurance quote in less than 6 minutes^^^||Insurance for all van types|
^^Correct as of June 2021.
^^^On average, it can take less than 6 minutes to complete a van insurance quote through Compare the Market based on data in November 2020.