**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.
How to compare cheap van insurance quotes
Whether you drive a transit van, a crew cab, a pick-up or a tipper, we understand that proper van insurance is essential for peace of mind.
As long as your van doesn’t weigh more than 3.5 tonnes, we’re here to help you. We’ll compare van insurance quotes from 45 leading providers – including Admiral, Churchill, Autonet, Aviva and Hastings Direct – with the option to include breakdown cover, to make sure your business always runs smoothly.
What are the different types of van insurance?
There are three main types of van insurance for van owners: third party only insurance, third party, fire and theft insurance, and comprehensive insurance.
- Third party only: This cover is the minimum required by law. It covers you for any damage you may cause to other people and their vehicles. However, it won’t cover repairs to your own van, personal medical expenses following an accident or theft.
- Third party, fire and theft: This offers the same cover as third party with added protection in the case of fire or theft.
- Comprehensive: Includes all the cover of a third party, fire and theft policy, along with cover for the repair of your own van in the event of an accident.
What's the difference between commercial and private van insurance?
Commercial van insurance is for you if you use your van for work in any way – including travel to or from more than one location. There are two main types of commercial van insurance: carriage of own goods (i.e. tools of your trade) and haulage (i.e. goods you’re delivering).
Private van insurance is for drivers who use their van for social, domestic or pleasure – anything other than business.
How can I reduce the cost of van insurance?
If you’re looking for ways to get cheaper van insurance, there are several things you can do:
- Compare van insurance quotes – one of the quickest ways to get cheaper van insurance is to compare quotes with Compare the Market. We can compare quotes with a wide-range of insurance providers, allowing you to choose which one has the right level of cover for the cheapest price.
- No claims discount – providers offer a discount based on the number of years you’ve been driving without making a claim. If you’re unsure how many you have, it’s likely to be on a renewal reminder or a cancellation letter from your current insurance provider.
- Voluntary excess – this is how much you choose to pay upfront in the event of a claim. The higher this figure is, the lower your premium may be. Providers usually add a compulsory excess too, so do check you can afford the total amount as you’ll have to pay both excesses.
- Locks and immobilisers – vans with extra security features, such as an approved alarm, immobiliser and/or tracker, could be cheaper to insure. But before spending money on improving your van's security, check with your provider to make sure it will be worthwhile.
- Don’t over-insure – if you over-estimate the value of your van, or include unnecessary add-ons, you’ll likely pay more. Always consider optional extras carefully, to avoid over-paying, but also ensuring you have the right level of cover.
- Park it in a garage – by keeping your van in a locked garage overnight, you’re much less likely to suffer from theft. As a smaller risk, you will likely save on your insurance.
- Drive fewer miles – being on the road less means you’re a smaller risk to providers, who may then charge less for cover.
- Pay up front – paying in monthly instalments usually results in a greater cost overall, effectively acting as a loan repayment. By paying your insurance annually, you’ll normally make a decent saving.
Our van insurance providers
We compare dozens of cheap van insurance quotes with a wide range of insurance providers, including:
Frequently asked questions
Can I get a quote for my unusual van?
While the panel van is the most popular van in the UK, we also offer insurance for pick-up vans, insurance for tippers, as well as insurance for crew cabs, transit vans, livestock vans, curtainside or dropside vans and more.
If you’ve modified your van (for example, the bodywork, engine or exhaust) be sure to mention it, and we’ll help you find a deal that’s right for you.
Am I insured to drive my van abroad?
UK van insurance usually provides third party cover to drive in other EU countries, as a minimum. But you might want to add on extra cover for damage or theft while you’re abroad.
This may change after the UK leaves the EU, so check your policy details to make sure you have the right cover.
What additional cover should I consider alongside standard van insurance?
For total peace of mind, you might want to kit your policy out with some optional extras. You can compare the following with Compare the Market (except tool insurance) or purchase when you click through to your chosen insurance provider:
- legal cover could take care of some legal costs (for yourself or others) in the event of an accident that wasn’t your fault
- courtesy vans are temporary vehicles that you can use to get back on the road if your van is out of action
- breakdown cover isn’t a legal requirement, but can save you a lot of hassle and keep you on the job at hand
- public liability insurance will cover you against claims from members of the public who’ve been injured as a result of your actions at work
- employers’ liability insurance will cover you for claims of negligence made against you by employees
- tool insurance will cover the equipment you might keep in your van against theft.
Can I insure more than one van?
Multi-van insurance (also known as fleet cover), lets you insure several vehicles under one policy with a single renewal date, so you don’t need to have individual policies for each van. This can work out cheaper because you’re effectively making a bulk purchase. Having one point of contact and a single renewal date can also make admin easier. You can’t currently compare multi-van policies with Compare the Market.
Is there a minimum age for van insurance?
If you have a standard car driving licence, you can drive a van up to 3,500kg, but some insurance providers put restrictions on the eligibility of drivers according to their age – not covering drivers under 25, for example. This is because young van drivers are seen as high risk. Van insurance premiums for young drivers are usually considerably higher because of this too.
How much does van insurance cost?
The cost of van insurance depends on a number of things including the value of the van, how likely it is to be stolen, whether you’re a driver who abides by the law, how many miles you drive and so on.
You could find cheaper insurance when you compare with Compare the Market.Start a quote
What information do I need to compare van insurance?
To compare quotes, you’ll need your vehicle details, recent insurance documents and details of any recent convictions.
- Vehicle details – make sure you have the make, model and details of any modifications of your vehicle to hand. If you’re unsure, your V5C document may have this information.
- Recent insurance documents – again, these will contain most of the details required for a quote. They’re also worth referring to for up-to-date claims information, as this could influence the prices you’re quoted.
- Driver's personal details – as well as name and address, age and so on, you need to detail any past offences, such as speeding penalties. If you can’t remember, details can be found through the Government’s licence information site.