Any driver van insurance

Do I need any driver van insurance?

Van insurance for ‘any driver’ can be useful 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 than a standard van insurance policy. With more people driving the van, there’s more chance of something going wrong.

However, if you need van insurance for several drivers, ‘any driver’ cover could work out cheaper than individual policies for every person who drives the van.

If your company has a high turnover of staff, ‘any driver’ insurance could also be useful as it might reduce the costs and admin of frequently adding or removing people from a policy.

Just remember to keep an eye out for any cover limits or restrictions, like a minimum age requirement.

How many drivers can I add to an any-driver policy?

It depends on the insurance provider. Some insurance companies let you add as many drivers as you want, while others may restrict you to, say, five drivers per van.

How much does any-driver van insurance cost?

Any-driver van insurance is usually more expensive than adding named drivers to a regular van policy. The price of any driver van insurance will also depend on the type of cover you take out, for example, third-party vs. comprehensive. The higher the level of cover, the more you may have to pay. However, comprehensive cover can be cheaper than third party insurance. This is why it’s a good idea to shop around and compare a range of quotes, if you’re looking for cheap van insurance.

Other things that can affect the cost of any driver van insurance include:

• Drivers’ ages – you’ll likely pay more for young drivers under 25, while more experienced drivers with clean driving records could help balance out the cost of your premium.
• Business or personal use – business van insurance is often more expensive than cover for private use because a van is likely to be driven a lot more for work purposes, and by more people.
• Van size – heavier, more powerful vans will typically be more expensive to insure than smaller, lighter models.
• The van’s insurance group – each make and model falls into an insurance group. The lower the group number, the cheaper it can be to insure.
• What you’re transporting – you’ll typically pay a higher premium if you use the van to transport goods and/or machinery, as there’s a risk of them being stolen or damaged. 

How can I get cheaper any driver van insurance?

Here are some ways to get cheaper any driver van insurance:

• 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 upfront each year (if possible), 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.