Pickup insurance

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Should I get insurance for my pickup truck?

There are millions of licensed vans and pickups on UK roads. If you own one of them, you’re probably wondering if and how to ensure that it’s covered in the event of an accident, fire or theft. This is what you need to know.

What are the different types of pickup truck insurance?

As with standard vehicle insurance, there are three different cover levels for pickup truck insurance: third party, third party fire and theft, and fully comprehensive insurance:

  • By law, you’ll need at least third party cover. This could pay for any damage you cause to someone else’s property and any injury they might sustain in an accident. It won’t cover damage to your own vehicle.
  • Third party, fire and theft provides the same benefits as third party only insurance, with additional cover in the event that your van is damaged by fire or is stolen.
  • Comprehensive insurance offers all of the above, along with cover for your pickup and the cost of its repairs, in the event of an accident.

As with regular car insurance, you can also opt for additional extras, for example:

  • Legal cover – this could help recoup the costs of legal expenses in the event of an accident that wasn’t your fault.
  • A courtesy vehicle – if your pickup is being repaired after an accident. If you have comprehensive insurance, check to see if a courtesy vehicle is already included as standard.
  • Misfuelling – this could cover the costs of draining, cleaning and repairing your pickup, if you inadvertently fill it with the wrong fuel.
  • No claims protection – this helps protect your no claims bonus if you need to make a claim.
  • Personal belongings – covers the cost of replacing your belongings if they’re stolen from your pickup, destroyed in a fire or damaged in an accident.
  • Lost key cover – covers the cost or replacing keys and repairing locks if your keys are stolen or lost.
  • Personal accident cover – additional cover for injury or death caused by an accident.

Will insurance cover what I’m carrying in my pickup?

There are two options available if you use your pickup to transport business-related goods, e.g. tools:

  • Carriage of your own goods - when you’re carrying goods that you own to complete your daily work, such as tradesmen’s tools.
  • Haulage - where you’re paid to carry goods owned by a third party, such as courier services.

If you have an open-backed pickup, don’t leave items in it unattended when you park up. If you do, your insurance provider is highly unlikely to pay out for theft. And items shouldn’t be left in the vehicle overnight. Check the policy details to ensure you’re covered sufficiently before buying.

Frequently asked questions

Do I need special van insurance if I use my pickup truck for business?

You’ll need to add Business Use to your van insurance, even if you only use your pickup for business every once in a while. Not doing this could invalidate any claim you make.

How does weight affect pickup truck insurance?

The heavier your pickup, the more expensive your insurance is likely to be. This is because bigger, more powerful vehicles are at a higher risk of being involved in an accident.

Typically, the type of insurance you’ll need depends on whether your pickup is over 3.5 tonnes. You can find out how much your pickup weighs by checking:

  • the Vehicle Identification Number (VIN) plate
  • your vehicle owner’s manual.

Can young drivers get insurance for driving a pickup truck?

If you’re a young driver, you can still get insurance for driving a pickup, as long as your vehicle doesn’t weigh more than the limit on your driving licence.

  • Pickups weighing less than 3.5 tonnes can be driven on a standard category B licence.
  • Pickups weighing more than 3.5 tonnes will require a Cat C1 licence - you must be over 18 years old and sit a separate test to get this type of licence.

Just be aware that young driver insurance for a pickup will be more difficult to find, and most probably more expensive than standard car insurance.

If you’re a young driver between 17 and 24 years old, you might want to consider a black box telematics policy, which could help reduce the cost of your pickup insurance.

Is comprehensive pickup truck insurance expensive?

Fully comprehensive cover isn’t always more expensive than third party only and third party fire and theft options. That’s why it’s so important to compare pickup van insurance quotes before deciding on a policy.

50% of people could achieve a quote of £741 per year for their van insurance, based on Compare the Market data in November 2020.

Do I need any other cover for my pickup truck?

You might want to consider pickup van breakdown cover for added peace of mind. No one wants to be stuck at the side of the road, especially when you have a job to get to.

How can I get affordable pickup truck insurance?

We can help you get the right cover for your pickup van –at the right price. We’ll search a variety of insurance providers and present you with a range of quotes that meets your needs. All you have to do is choose the policy that ticks all the boxes.

How much does pickup insurance cost?

50% of customers could save up to
on their van insurance***

Young drivers could get van insurance from
per year****

Get van insurance from
per year**

***Based on online independent research by Consumer Intelligence during November 2020. 50% of customers could achieve this saving on their Van insurance through Compare the Market.

****50% of young drivers between 17-24 year old could achieve a quote of £1,682.29 per year for their van insurance, based on Compare the Market data in November 2020.

**50% of people could achieve a quote of £740.70 per year November 2020.

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What do I need to get a quote?

To get a pickup truck insurance quote, we’ll just need a little information about you and your vehicle, including:

  • your pickup truck details
  • a few personal details
  • whether you use your pickup for pleasure, commuting or business
  • annual mileage and where you park your pickup overnight
  • your driving history – any accidents, claims or convictions
  • additional drivers you want to add.

You’ll also be able to choose any optional extras you might want to add. Once we have your details, we’ll send you a list of suitable quotes to compare.

Dan Hutson

From the Motor team

"Private pickup insurance will cover you for social driving, such as daily activities, hobbies and shopping. However, as it’s a ‘personal policy’, you won’t be covered for commuting. If you use your pickup truck to get to work and back, you’ll need ‘commercial pickup’ insurance."

Why use Compare the Market?

We compare 47 van insurance products^^

6 minutes to get a quote^^^

50% of people could achieve a quote of £741**

^^Correct as of November 2020.

^^^On average, it can take less than 6 minutes to complete a van insurance quote through Compare the Market based on data in November 2020.

**50% of people could achieve a quote of £741 per year for their van insurance, based on Compare the Market data in November 2020.

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