Young driver van insurance

  • Buy young driver van insurance from £1,683/year**
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**50% of young drivers between 17-24 years old could achieve a quote of £1,682.29 per year for their van insurance based on Compare the Market data in November 2020.

Can I get van insurance as a young driver? 

Yes, you can get van insurance, although it might be a bit more expensive. From comprehensive to third party policies, if you’re new to the road, you can usually expect to pay more. Many young van drivers also need breakdown cover as they’re probably less likely to own a newer vehicle. 

Even so, if you want to drive a van, you need to get insured. Here’s our beginner’s guide to van insurance for a young driver.

What type of van insurance do I need? 

Regardless of age, there’s three main types of policies when it comes to van insurance: 

  • Comprehensive. This type of insurance offers the  most thorough cover. A comprehensive policy insures both you and your vehicle in the event of an accident, even if you’re responsible for causing it. It also covers other types of damage, for example, damage caused by a fire or flood. You’ll also be covered if your van is stolen. As a young van driver, this may be your best option, as young drivers are statistically more likely to be involved in an accident, which makes this cover even more valuable.
  • Third party, fire and theft. With this type of van insurance, you’re covered for any claims made against you by a third party (another person), in the event of an accident that you caused. However, you won’t be covered for damage to your own vehicle, unless the damage was caused by fire or theft. 
  • Third party only. These policies only cover claims made by third parties against damage caused by you while driving your van. There’s no additional cover for you or your vehicle. This is the minimum level of cover required by law, for all road-going vehicles. Remember, even if your vehicle isn’t in use, you’re still legally required to have insurance, unless you’ve successfully submitted a SORN (Statutory Off Road Notification) declaration to the DVLA. 

How much does van insurance cost for young drivers?

Based on the latest Compare the Market data in August 2020, van insurance for a young driver could cost £1,683**. However, regardless of your age, different insurance providers are likely to give you different quotes, which is why it’s  important to compare policies from a range of insurance providers.  

Annual premiums are calculated based on how risky you are to insure (how likely you are to make a claim). The higher the risk you pose, the more you’re likely to have to pay. 

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

How to get cheap van insurance for young drivers 

The UK’s young drivers can potentially reduce the cost of their van insurance by comparing van insurance quotes, adding a low-risk (experienced and safe) named driver to their policy, installing extra security features, reducing annual mileage and adjusting their voluntary excess: 

  • Compare van insurance quotes. By shopping around, you can nearly always find competitive young van driver insurance. You can use our van insurance page to compare different policies. Enter your details and we’ll provide you with a range of quotes, listed in price order, starting with the cheapest. 
  • Add a low-risk driver as a named driver on your policy. By adding another  named driver,  for example a parent or relative, you may be able to lower your premium. Try comparing different named drivers to see what difference they make in your efforts to get cheap young driver van insurance. Just remember that any named drivers you add will genuinely need to drive your van – otherwise you may be guilty of ‘fronting’, which is illegal. (Fronting is when you dishonestly name a more experienced driver as the main driver on your policy, in an attempt to lower the cost of your cover.)  
  • Reduce your annual mileage. Fewer miles on the clock means there’s less of a chance of an accident. But make sure you’re not underestimating your annual mileage on purpose. Doing more miles than you’ve stated could invalidate your policy. 
  • Adjust your voluntary excess. Voluntary excess is the amount you can contribute (in addition to the compulsory excess) towards any claim. If you’re prepared to increase the voluntary excess on your policy, it could lower your premium. Just make sure you can comfortably pay the total excess if you do need to make a claim. 
  • Get telematics insurance. Also known as ‘black box insurance’, data about your driving habits is sent from a small ‘box’ that is fitted inside your car, to your insurance provider. If you’re deemed to be a safe driver, you may be awarded lower future premiums. However, keep in mind that reckless driving or speeding is sure to have the opposite effect.  

Why is van insurance so much more expensive for young drivers? 

According to Brake, the road safety charity, 23% of motorists (one in four) aged between 18-24 are involved in crashes within the first 24 months of passing their driving test. Insurance providers are well aware of these statistics, which is why they view young drivers as high risk  – and why they hike up their premiums as a result. 

Another way your youth works against you is that you’ve not been able to build up a decent no claims discount. Drivers with many years on the road may have built up a long-term no claims discount, which can reward you with significant discounts. The longest no claims periods offer the greatest rewards, so we’re afraid you’ll have to be patient to earn them.

What are the cheapest vans to insure for young drivers?

If you’ve yet to invest in a van, either new or second-hand, you may want to compare the various options on offer before you do. Some makes and models of vans are cheaper to insure than others. Some of the cheapest vans to insure for young drivers include: 

  • Volkswagen Transporter  
  • Renault Kangoo
  • Ford T230
  • Volkswagen Caddy
  • Citroen Berlingo 

Along with the make and model you choose, there are other ways to potentially reduce the cost of your young van drivers insurance. For example, smaller vans are typically cheaper to insure than larger ones. This is especially true when it comes to the size of the engine.  

It’s also essential to investigate whether a used van has been modified before buying it. The majority of insurance policies will be pricier for modified vans.  

Frequently asked questions

How can I improve my safety on the roads as a young driver?

Young drivers of vans, cars and motorbikes can stay safer on the roads by  sticking to speed limits, taking extra care when  the weather is bad, and removing distractions  such as mobile phones. You should turn off your mobile phone and store it away in the glove box, before starting your engine and driving. And, of course, you should never drink drive. 
   
Reducing the chance of an accident on the roads is a good thing for you and your van. After all, just because you’re considered ‘high risk’ doesn’t mean you need to drive that way. 

What is considered a ‘young driver’ for van insurance?

If you’re under the age of 25, you’re considered to be a young driver by the majority of van insurance providers in the UK.

Is van insurance more expensive than car insurance for young drivers?

Typically, van insurance is more expensive. The main reason is that vans tend to have larger engines. That’s why it’s worth considering a van with the smallest engine for your needs.  

Another reason van insurance tends to be more expensive is because vans have a larger storage capacity, meaning there’s a greater chance they’ll be carrying valuable cargo.

Is there anything else that I need to know about getting van insurance?

Yes. First off, it’s always a good idea to think about any additional cover you may need before signing up for the cheapest policy. Some policies include extra benefits like a courtesy van, breakdown cover  or tools cover. If it’s not automatically included in your policy, you can usually request it as an optional extra for an additional cost. 
 
Also, make sure the details you provide are 100% correct. Don’t be tempted to give inaccurate information in an effort to reduce your insurance premium. If you’re found to have given misleading details, at best, your cover will be invalid and any claims you make rejected. At worst, you could face criminal prosecution.  

Compare van insurance quotes for young drivers

While it’s inevitable that van insurance for young drivers is more expensive, it’s possible to find an attractive deal. The secret is to check the market before selecting an insurance provider. We can help you with that.  
 
Compare van insurance today.

Compare van insurance quotes for young drivers 

While it’s inevitable that van insurance for young drivers is more expensive, it’s possible to find an attractive deal. The secret is to check the market before selecting an insurance provider. We can help you with that.  

While it might be tempting, don’t just immediately sign up with the cheapest quote though. There’s usually a reason it’s so cheap. Take the time to compare what each of your quotes include. Look for the excess amounts to avoid a nasty surprise if you end up needing to claim, and don’t just assume third-party cover is the cheapest. You might be surprised when you compare quotes alongside comprehensive cover.

Compare van insurance today.

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