**50% of people could achieve a quote of £740.70 per year for their van insurance based on Compare the Market data in November 2020.
How to compare cheap van insurance quotes
Whether you drive a transit van, a crew cab, a pick-up or a tipper, we understand that proper van insurance is essential for peace of mind.
As long as your van doesn’t weigh more than 3.5 tonnes, we’re here to help you. We’ll compare van insurance quotes from 41 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 November 2020.
What is van insurance?
Van insurance is a separate type of cover to car insurance, that’s tailored to protect your van against the risks of being on the road. However, just like car insurance, it’s a legal requirement to have at least third-party insurance for your van.
Depending on how you use your van, along with the type of van you’re driving, you’ll need a different type of insurance, 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 type of cover is the minimum required by law. It covers you for any damage you may cause to other people and their vehicles. However, it won’t cover repairs to your own van, personal medical expenses following an accident or theft.
- Third party, fire and theft: This offers the same cover as third party with added protection in the case of fire or theft.
- Comprehensive van insurance: Comprehensive cover includes all the cover of a third party, fire and theft policy, along with cover for the repair of your own van in the event of an accident.
It's a common misconception that fully comprehensive is always the most expensive, but this is not always the case, so it’s worth getting a quote for that to compare potential options.
Want to know more? Read about...
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 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 – anything other than business.
Courier van insurance is a specialist type of van insurance for those who make regular deliveries. It’s specialist because it’s insurance that is 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 are 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. We can compare quotes with a wide-range of insurance providers, allowing you to choose which one has the right level of cover for the cheapest price.
- 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.
- Voluntary excess – this is how much you choose to pay upfront in the event of a claim. The higher this figure is, the lower 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.
- Locks and immobilisers – vans with extra security features, such as 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, but also ensuring you have the right level of cover.
- Drive fewer miles – being on the road less means you’re a smaller risk to providers, who may then charge less for cover.
- Pay up front – 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.
Our van insurance providers
We compare dozens of cheap van insurance quotes with a wide range of insurance providers, including:
Frequently asked questions
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. These could include:
- legal cover could take care of some legal costs (for yourself or others) in the event of 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 out of action
If you’re comparing business van insurance, otherwise known as commercial van insurance, you may also want to explore these business insurance products (although please note, you can’t compare breakdown insurance for business use or tool insurance with us):
- breakdown cover - this isn’t a legal requirement, but can save you a lot of hassle and keep you on the job at hand
- public liability insurance - if you’re self-employed, this 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 - if you’re self-employed, this will cover you for claims of negligence made against you by employees
- tool insurance - covers the equipment you might keep in your van against theft.
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.
Can I insure more than one van?
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. You can’t currently compare multi-van policies with Compare the Market.
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 (some providers use an app) on your van, which monitors your driving behaviour. It’ll monitor things like your speed, braking, steering and more, to determine whether you’re a safe driver. If you prove to be, you could be rewarded with cheaper van insurance.
Black box insurance policies are more popular among young van drivers, because they are often charged more for their insurance, owing to their lack of experience on the roads. If you’re a young van driver looking for a way to save on your insurance, a black box policy could be your answer.
Am I insured to drive my van abroad?
UK van insurance usually provides third party cover to drive in other EU countries, as a minimum.
This may change after the UK leaves the EU. Check that the provider offers the correct level of cover for your needs before taking out insurance with them.
Can I get a courtesy car?
Yes, 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 a comprehensive policy, while others may need you to add it as an extra.
Can I get a quote for my unusual van?
While the panel van is the most popular van in the UK, we also offer insurance for pick-up vans, 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.
Why should I get legal cover?
If you’re involved in an accident and either you’re taking legal action against another driver, or they take action against you, the legal costs can be very expensive. To protect yourself against these costs, legal protection insurance can cover these payments. This is normally available as an add-on, so look out for it when comparing van insurance.
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 £740.71 per year for their van insurance based on Compare the Market data in November 2020.
***50% of young drivers between 17-24 years old could achieve a quote of £1,683.29 per year based on Compare the Market data in November 2020.
****Based on online independent research by Consumer Intelligence during November 2020. 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.Starter 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 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.
- Driver's personal details – as well as name and address, age and so on, you need to detail any past offences, such as 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 41 leading providers^^||Get a van insurance quote in less than 6 minutes^^^||Insurance for all van types|
^^Correct as of November 2020.
^^^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.