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Van insurance is a slightly different ball game compared to car insurance – and some of the specifics need careful consideration to make sure you get the right cover at a good price.
Vans are put into categories from 1-20 by the Association of British Insurers. 1 is the lowest risk category and 20 is the highest risk category. There are various factors that contribute to the category into which your van is placed. These factors include the size and weight of the vehicle, its value, cost of repairs and even emissions.
Van insurance is similar to car insurance in that you get three types of policies including fully comprehensive, third party, fire and theft and third party only. However, you also need to work out if you need private van insurance or business and commercial van insurance.
You’ll need private van insurance if you’re using your van for social domestic, pleasure or commuting. You’ll need commercial van insurance if you use your van for work or business purposes, for example tradesmen or couriers.
Yes – van insurance is a legal requirement for all drivers in the UK.
Yes. Van insurance is a must even if you only drive your van at certain times of the year. From June 2011, the continuous Insurance Enforcement Act came into place, which states that all road-going vehicles must be insured even if they’re not in use. The only exception to this is if you have declared the vehicle SORN (statutory off-road notification) with the DVLA.
You may be able to get a lower price on your private van insurance by comparing quotes, opting to increase your voluntary excess, building up a no claims discount, parking wisely and taking steps to reduce your annual mileage: