Any driver van insurance
There are lots of reasons why you might want to add a driver to a van insurance policy. Here’s what you need to know to help you get the right cover at a competitive price.
There are lots of reasons why you might want to add a driver to a van insurance policy. Here’s what you need to know to help you get the right cover at a competitive price.
How can I insure a van for ‘any driver’?
Van insurance for ‘any driver’ is crucial if you want others to drive your van or fleet of vans. This applies whether you’re a business owner with several employees, or you have a private van you’d like a few friends or family members to drive.
Typically, the ‘any driver’ option will give you more flexibility, but it tends to be more expensive. That’s because an insurance provider has less information about who’ll be driving, and they’re likely to reflect this risk through a higher premium.
If your company has a high turnover of staff, ‘any driver’ insurance could be attractive as it might reduce the administration, and any costs, of adding or removing people from a policy. Keep an eye out for any cover limits or restrictions, such as a minimum age requirement.
Could I save on my van insurance if I add another driver to my policy?
If you plan to share your vehicle with a more experienced driver, you could save on your premium by adding this person as a ‘named’ driver. A provider may assume you'll spend less time driving, since the vehicle is shared. If you reduce the amount of time you spend behind the wheel, you’re lessening the amount of time in which an accident could occur.
But be aware, it’s illegal to put someone else as the main driver on a van insurance policy if they aren’t the primary driver.
Do I need any driver van insurance?
You may need any driver van insurance if you want several other people to drive your van. This applies whether you’re a business owner, or if you have a private van that you’d like a few friends or family members to drive.
It can be particularly useful if you want several of your staff or friends to drive your van, as it means you won’t need to add each individual driver to your van insurance policy as a named driver.
Will an any-driver policy be suitable for personal use?
Any-driver policies are often taken out by business users, but private van drivers may appreciate the versatility of them. For example, if you travel across the country to attend sports events, an any-driver policy would allow you to share the driving with others.
How can I insure a van for ‘any driver’?
Typically, the ‘any driver’ option will give you more flexibility, but it tends to be more expensive. That’s because an insurance provider has less information about who’ll be driving, and they’re likely to reflect this risk through a higher premium.
If your company has a high turnover of staff, ‘any driver’ insurance could be attractive as it might reduce the administration, and any costs, of adding or removing people from a policy. Keep an eye out for any cover limits or restrictions, such as a minimum age requirement.
Currently, you can’t compare ‘any driver’ van insurance with us.
What are the restrictions on an any-driver policy?
You should check your policy for specific restrictions. You’re not allowed to name anyone else as the primary driver on a van insurance policy, if they’re not going to be the person at the wheel the most – this is known as ‘fronting’. It’s most common with young car drivers, as our guide explains, but the rules are no different for people driving vans.
Typically, there are minimum age limits for any-driver van insurance. Some insurance providers don’t cover drivers who are under 25, and some others don’t cover drivers under 21.
How else could I get cheaper van insurance?
There are other ways to get cheaper van cover, including:
- Increasing your voluntary excess: Paying a higher voluntary excess could reduce your premium. However, if you make a claim, you’ll have to pay that excess plus the compulsory excess, so think carefully about whether this makes financial sense for you.
- Paying annually: By paying your full insurance premium up-front each year (if possible), then you could avoid paying the interest that’s likely to be charged on monthly instalments.
- Shopping around: The most competitive premiums tend to be offered about three weeks ahead of your policy’s end date. This is typically when the highest number of insurance providers will offer you quotes, and the increased competition tends to drive down the cost of cover.
Why should I buy through Compare the Market?
Our comparison services makes it easy to find van insurance from a wide range of providers. What’s more, it can take less than 6** minutes to find great-value quotes. But please note, currently you can’t compare ‘any driver’ van insurance with us.
**On average it can take less than 6 minutes to complete a van insurance quote through Compare the Market based on data in September 2020.
