Small van insurance

Smaller vans can attract lower insurance premiums than larger ones, but there’s a lot more to the cost of cover than a vehicle’s size, as we explain…

Daniel Hutson From the Motor team
minute read

What are the main types of van insurance?

There are three levels of van insurance:

  • Third party Covers the cost of any damages you cause to another person, their vehicle or their property.
  • Third party, fire, and theft Offers the same as third party insurance, but includes additional cover if your van is stolen or damaged by fire.
  • Fully comprehensive Includes all of the above and also offers cover for accidental damage to your van, whether it’s your fault or otherwise.
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What cover might I need if I’m using my van for work?

There are three main types of cover - which you’ll need depends on how you use your van.

Carriage of own goods Covers you if you drive your van for business purposes and you’re carrying items you need for work – your tools, for example. Check your van insurance policy to see if this cover is included as standard. If not, ask your insurance provider if they can add it to your policy, typically for an extra cost.

Goods-in-transit This type of cover can protect any goods inside your van while you deliver or transport them from one place to another. You may want to add this cover if you’re a delivery or courier driver.

Hire and reward This allows you to legally carry other people or their items in return for payment. This cover type is often chosen by furniture removers or taxi drivers. 

How can I save on van insurance?

There are a number of ways you could get cheaper van cover. For example if you park your vehicle in a safe place when it’s not being used, such as a secure garage, then you could save money.  

Driving sensibly and building up your no-claims discount are other ways you might get a lower premium.

Where can I find small van insurance?

The easiest way to find the right small van insurance is bycomparing quotes from multiple insurance providers. So, why not start a quote and see if you can save?

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