Any driver van insurance
Any driver van insurance
There are lots of reasons 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 be able to drive.
To ensure you have enough cover, you can either:
- Add each driver to your van insurance policy
- Choose the ‘any driver’ option (as long as you’re over 25) when comparing insurance
Generally speaking, 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.
Where can I compare my options for any driver van insurance?
It might be worth doing a couple of van insurance quotes and comparing if the additional cost of an ‘any driver’ policy is worthwhile, based on your circumstances.
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, then 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 during 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 (the one who drives the most miles) - 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.
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 4** minutes to find great-value quotes.
**On average it can take under 4 minutes to complete a van insurance quote through Compare the Market based on data in September 2019.
Just let us know what you need and we’ll compare van insurance deals that ensure you get the right level of cover.
