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What is Van Insurance?

Van insurance is a necessity for any motorist in the UK. Depending on your policy type, you can be covered from unexpected costs associated with accidents and other incidents. By law, the minimum coverage required is third party only insurance. While often similar to car insurance, vans often have additional coverage risks, such as equipment and tools that may be left in the vehicle throughout the day.

How much does Van Insurance Cost?

For affordable van insurance, shopping around and comparing policies is important. Your van type, age, driving experience, address, and other factors can determine van insurance costs.

According to Consumer Intelligence, the average cost to insure a van in the UK was £1,135 in 2022. Prices can vary significantly depending on the insurer and type of van.

There are many factors to take into account when calculating your insurance costs. That’s why you can’t rely on average figures – they don’t provide enough detail regarding an individual policy.

To remove guesswork from the equation, use the online comparison tool to get quotes tailored to your needs.

Commercial Vs Private Policies

Vans are used for a variety of tasks, both commercially and privately. How you use your van will directly affect the type of policy you need.

You’ll need commercial van insurance if your van is used predominantly for business purposes or to transport goods. This is a more comprehensive coverage option and includes features such as goods in transit cover, employers’ liability and public liability insurance.

On the other hand, if you use your vehicle for personal use, you’ll only need private van insurance. This is the most basic form of cover and is similar to car insurance

Find the perfect van insurance cover for you

Shop around

Van insurance is not one of those areas where loyalty pays. Instead, you should use a comparison tool to compare quotes from different providers. The prices can vary drastically, and some hidden extras may be included in the policy.

No Claims Discount

For each year of driving without a claim, you can build up a No Claims Discount. This discount will reduce the cost of your premium and can be transferred from policy to policy. Always check the details of your policy, as some insurers may cap the amount of discount allowed.

Consider a higher excess

The excess is the amount of money you have to pay in case of an incident or accident. If you have an appetite for risk, you can elect to pay a higher excess in the event of an accident in exchange for a lower premium.

Fleet Insurance

Fleet insurance may provide the most cost-efficient solution if you have multiple vehicles to cover. This type of policy will cover a fleet of up to five vehicles with one policy, making it easier to manage and maintain your coverage.

Additional extras

If you’re looking for additional cover, such as breakdown or legal protection, make sure to check the details of your policy before signing on the dotted line. Some insurers may offer these features as a paid extra, while others may include them automatically.

Avoid unwanted extras

While checking for the extras you want, be on the lookout for features you don’t. For example, some insurers may charge extra for additional features such as windscreen protection, key cover, or legal cover.

Where to find Specialist Van Insurance

If you’re looking for specialist van insurance, such as business or commercial cover, you’ll need to look for a provider that specialises in this area. Quotezone provides access to a simple comparison tool so you can compare policies from the top providers in minutes. Get access to a simple comparison tool so you can compare policies from the top providers in minutes.”

If you need to cover multiple vehicles, or many workers, especially higher-risk drivers, such as new drivers, fleet insurance may be a good option, helping to bring down the cost of your policy by consolidating multiple vehicles and drivers.

What level of van insurance cover is right for you?

There are three types of cover to choose from:

Third Party Only

This is the most basic form of insurance and is often the cheapest option. It covers you for damage to a third party’s vehicle or property but not your own.

Third Party Fire & Theft

Often abbreviated to TPFT, this type of insurance adds additional cover for your own vehicle in the event of it being stolen or damaged by fire.

Fully Comprehensive

This is the most comprehensive level of van insurance, covering you for damage to both the other driver’s property and your own van. It may also provide additional cover such as windscreen protection, personal accident cover, and breakdown assistance.

It is important to consider the level of cover you need before selecting an insurance policy. Think carefully about your needs, budget, and risks associated with different levels of coverage. You should also check that the policy covers any additional requirements or special features you may need. Ultimately, always make sure to read the policy documents carefully and don’t be afraid to seek advice from an insurance expert.

The information contained within this webpage is for editorial purposes only and not intended as financial advice.

* Help2Compare.co.uk is an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd are authorised and regulated by the Financial Conduct Authority (FCA). Quotezone is a trading style of Seopa Ltd. You can check this out on the financial services register at https://register.fca.org.uk/. FRN: 313860. Seopa Ltd is located at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. The insurance quote system is independently owned and operated by Seopa Ltd.