Can I Drive a Van Using My Car Insurance?

Cars are great for driving friends and family around, but if you’ve just moved home or need to transport a lot of equipment, you may need a van. Even if you’re planning a one-off trip, it’s important you know whether you’re covered. Let’s look at the requirements to drive a van using your car insurance…

Cars are great for driving friends and family around, but if you’ve just moved home or need to transport a lot of equipment, you may need a van. Even if you’re planning a one-off trip, it’s important you know whether you’re covered. Let’s look at the requirements to drive a van using your car insurance…

Daniel Hutson
Motor insurance expert
3
minute read
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Posted 4 OCTOBER 2019 Last Updated 22 FEBRUARY 2022

Does my car insurance cover me to drive a van I own? 

Your existing car insurance policy may cover you to drive a van, as well as other vehicles, but this isn’t guaranteed or come as standard. Before you do anything, check your car insurance policy wording carefully, or speak to your insurance provider. 

Whether you own the van, borrow it from a friend or hire it, you’re legally required to be insured to drive it. This could be a standard van insurance policy (which could include cover for business use), a private van insurance policy (this excludes cover for commercial use) or even a temporary van insurance policy for when you’re borrowing or hiring a van. 

If you find out you need a separate policy to drive a van, here are some tips for getting cheaper van insurance.

Does my car insurance cover me to borrow a van? 

If you’re driving someone else’s van for personal use, for example you’re borrowing it to move home, you may be protected under your comprehensive cover. However, it’s no longer included as standard, so you’ll need to ask your provider. If it’s covered under your comprehensive policy, this will typically give you third-party cover. You’ll also need to ensure you have permission from the owner to drive their van.

If you’re not covered, for example you don’t have comprehensive insurance or you’re under 25, you can be added as a named driver on the owner’s policy or take out temporary cover instead.

Does my car insurance cover me to hire a van? 

If you’re planning to hire a van and you’re unsure if you’re covered, van hire cover will typically come included as part of the hire package. However, you should always check if this is the case, as well as the terms and conditions to find out what’s covered, any exclusions, as well as things like excess payable if you’re forced to make a claim. If there are any gaps in the cover, or the excess is more than you can afford, you should look for additional cover to protect yourself.

What licence do I need to drive a van?

Once you’ve passed your full UK driving test (category B), you’re allowed to drive a car or van with a trailer, up to 3.5 tonnes. Anything larger is considered a commercial van and you’ll need to apply for a category C licence. 

If you’re at all unsure if your licence allows you to drive the van you’re looking to buy, borrow or hire, you should check which of the driving licence categories it falls under. It’s an offence to drive a vehicle you’re not licenced to drive. Doing so could result in a fine and points on your licence. Your insurance could also be invalidated.

Can I transfer my No Claims discount (NCD) from a car to a van?

You may be able to transfer your No Claims Discount (NCD) from a car to a van, but it will vary between providers. You can build your NCD for each year you’ve had your car insurance policy in your name, without making a claim. Your NCD can only be used on one vehicle at a time, but not all van insurance providers will accept NCD earned on a car or bike.

You may need to provide proof of your NCD to your new van insurance provider, stated on your latest car policy documents. Insurance providers usually only accept proof that is less than two years old.

If you’re unsure whether your NCD can transfer, you’ll need to check with the provider before taking out a policy.

Compare van insurance

Looking for van insurance? We can help you get an idea of what’s on offer. We compare some of the market’s leading providers to help you find a great van insurance deal.

As long as your van weighs less than 3.5 tonnes, simply give us some details about yourself and your van, and we’ll provide you with a list of quotes. It only takes a few minutes to find a policy that’s right for you.

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