Van insurance Northern Ireland

Find out what affects the cost of van insurance in Northern Ireland, along with some handy ways you could reduce your premium.

Find out what affects the cost of van insurance in Northern Ireland, along with some handy ways you could reduce your premium.

Daniel Hutson
From the Motor team
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Posted 3 FEBRUARY 2021

How much is van insurance in Northern Ireland?

Compare the Market data shows that the average annual cost of van insurance for Northern Ireland is £787.47**. The UK average over the same time period is £741***.

**Average price amount based on the top five quotes from Compare the Market data from 1 October 2020 to 1 January 2021. The average is based on all variations of the vehicle model and uses risk data from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on your circumstances.
***50% of people could achieve a quote of £740.70 per year for their van insurance based on Compare the Market data in November 2020.

What factors affect the cost of van insurance in Northern Ireland?

A number of factors influence the cost of van insurance in Northern Ireland – and they’re much the same as if you drive anywhere else in the UK. The lower your annual mileage, the lower you can expect your premium to be. Fewer miles on the clock means a lower chance of an accident, but make sure you aren’t underestimating as doing more miles than you state on your quotation could invalidate your policy.

Where you park your van overnight can make a big difference too. Street parking is often higher risk than using a private drive or garage.

By adding another named driver – such as a colleague who has a history of good driving – you may be able to lower your premium. Try comparing different named drivers to see what difference they make to your premium.

Our guide to cutting the cost of van insurance has more ways you could save on your premium.

What’s the minimum cover needed to drive a van? 

When comparing van insurance policies, you’ll need to choose a level of cover that meets your needs. Like car insurance, there are three levels of cover for vans and the minimum you’ll need to drive legally is third party insurance. This could meet the cost of damage you cause to another person, or their property, as a result of your driving. However, it won’t pay out for repairs to your own vehicle. The other main van insurance cover levels are:

  • Third party, fire and theft In addition to third party cover, this type of insurance could pay out if your vehicle is damaged or destroyed by fire, or if your van’s stolen.
  • Fully comprehensive This covers everything in a third party, fire and theft policy, plus any damage that’s done to your vehicle (regardless of whether or not it was your fault).  

Van insurance will also enable you to insure items that belong to you that are carried in the van, and you can extend this protection to include items that you carry for others as part of your business. You’ll be asked which sort of cover you need when you complete your quote online.

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Doing plenty of research and comparing lots of quotes is a great way to find great-value van insurance. Why not start a quote and see if you can save? 

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