Young driver van insurance

Yes, you can get van insurance as a young driver, whether you drive your van for personal use or work. But if you’re under 25, van insurance can be more expensive because insurers typically see younger drivers as a higher risk.

The good news is that there are still ways you could reduce the cost of cover.

Comparing quotes, improving your van’s security and considering telematics, or black box, insurance could all help you find cheaper van insurance.

The right van insurance for you will depend on how you use your vehicle.

Goods in transit insurance

This helps protect the goods, stock or equipment you’re carrying in your van. Goods in transit insurance can often be added to a standard or business van insurance policy.

In general, younger and less experienced drivers are statistically more likely to be involved in accidents, which can lead to higher premiums.

According to Brake, the road safety charity, one in five young drivers crash within the first year of passing their driving test.

Other factors also contribute to the cost, including:

• Limited driving experience

• Fewer years of no-claims discount

• Higher annual mileage

• The type and value of the van

• Where the van is kept overnight

• Whether it’s used for work

• Previous claims or motoring convictions.

Black box van insurance, also known as telematics insurance, could be a good option for young drivers looking for a more affordable way to insure their van.

Instead of basing your premium on factors such as your age and driving experience, insurance providers use technology to monitor how you drive.

Depending on the insurer, a device fitted to your van or a smartphone app tracks the following:

• Speed

• Braking

• Acceleration

• Cornering

• Mileage

• The times of day you drive

If you consistently drive safely, you could benefit from lower insurance costs when you renew your policy. But unsafe driving could have the opposite effect.

To compare van insurance quotes, you’ll need to give us your:

• Vehicle details – including the make, model, number plate and information on any modifications

• Personal details – including your name, address, date of birth and information on any driving offences and penalty points

• Recent insurance documents – for up-to-date claims information.