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You could save up to £668*
See if you could save money by comparing quotes from over 60 leading van insurance providers in the UK.3 Steps To A Great Van Insurance Deal
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*51% of consumers could save £668.40 on their Van Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from November 2024. The savings you could achieve are dependent on your individual circumstances.
What is van insurance?
Van insurance is a legal requirement in the UK. A van insurance policy covers the holder against various risks related to their van. What and who is covered depends on the type of policy you hold and the level of cover you select.
If you are unsure whether this is the right cover for your needs, you can find out more on this page. To get a quote, use the registration box above to go to the quote form.
Commercial vs private van insurance
How you use your van affects the policy you need. Private van insurance covers personal use, social and pleasure, and anything except business use. You may not be able to commute on private cover, even to a single place of work, so check with the provider.
Commercial van insurance covers business use. It includes courier van insurance (carrying other people’s goods), carriage of own goods (tools and equipment) and haulage (large loads to single destinations).
What levels of van insurance cover are available?
There are three main levels of cover, similar to car insurance. Many people assume comprehensive will be the most expensive, but research shows lesser levels of cover are often dearer, so it is worth getting a quote for all three.
Third party only
Covers damage to third-party property and injury to others if you have an accident that is your fault. It should also protect passengers in your van, but it does not cover you or your van.
Third party, fire and theft
Third-party cover plus the cost of repairing or replacing your van if it is stolen, damaged in an attempted theft, or damaged by fire. Insurers may not pay out if the van was not properly secured, so check the policy wording.
Fully comprehensive
The most complete level: everything above plus you and your van in an accident, even if you are at fault. Often includes extras such as windscreen and breakdown cover.
Tips to keep van insurance costs down
Loyalty often doesn’t pay
Letting a policy auto-renew or accepting the first renewal quote may not be the best course of action. Compare quotes regularly; a comparison platform gives you a better chance of a cheaper price.
No claims bonus
A no-claims discount can help you find cheaper cover. Building it up shows you are less likely to make a claim.
Higher excess
A higher voluntary excess usually lowers the premium, but make sure you could afford to pay it if you had to claim.
Avoid over-insuring
Skip add-ons you already have elsewhere, such as breakdown cover through your bank. The cheapest policy is not always the right one, so compare more than the headline price.
Use a dash cam
A dash cam can mean cheaper quotes, because the footage can support claims.
Improve your van’s security
Alarms and tracking devices may lead to cheaper cover, though not every insurer offers a discount. Check with the provider first.
Pay premiums annually
Monthly instalments usually include interest. Pay upfront each year if you can.
Restrict your mileage
More time on the road means a higher chance of a claim and a higher premium. Lower mileage and shorter routes may help.
What details are needed to compare quotes?
To get accurate quotes you may need to provide certain details.
Your van
The make and model or the registration number, plus any modifications. If you have not bought the van yet, that is fine too.
Your details
Your age, occupation, address and driving licence information.
Driving history
Any recent convictions (motoring and non-motoring), your no-claims and any advanced driving courses.
Specialist van insurance products
If you need any driver van insurance or you have several vehicles, one fleet insurance policy can be easier to manage and can be tailored to cover any driver, so you may not need to add and remove employees as they join and leave.
A higher-risk driver, such as a young driver or one with convictions, needs young driver or convicted driver policies, which can significantly increase the cost.
What’s the difference between car and van insurance?
There are obvious similarities, but key differences too. The main one is that vans are often used commercially and need different levels of cover: a builder’s van, for example, needs cover for the tools and equipment carried in it. Compare with a car insurance policy.
Ready to compare van insurance quotes?
Enter your registration, answer a few questions, see live prices from over 60 providers.
Van insurance FAQs
My van is modified. Can I still get a quote?
Yes. You will need to specify the modifications, as they can affect the cost. Failing to disclose modifications can void your policy.
Does van insurance cover driving abroad?
It varies between providers. Most have a list of covered destinations and may limit the number of days you can drive abroad, so check what is included.
What additional cover should I consider alongside standard van insurance?
Breakdown cover, legal cover, a courtesy van, no-claims discount protection and, for commercial use, employers’ liability (a legal requirement if you have drivers working for you) and public liability. Extras vary between policies and some are included as standard, so check exactly what you are covered for when comparing.
Can young drivers get van insurance?
Yes, although many policies set a minimum age of 21 or 25 because young drivers are statistically more likely to crash. Some providers offer specialist young driver policies, including black box cover for under-21s.
How do I claim on my van insurance?
Contact your provider as soon as possible and follow their procedures. Gather as much evidence and information as you can to support the claim.
Can I insure multiple vans?
A fleet policy can cover several vans and other vehicles in one policy, which can be easier to manage and may reduce the cost. See our fleet insurance page.
Can I insure multiple drivers?
Yes. The quote form lets you add additional drivers, up to four named drivers in total.
Do policies include a black box?
Insurers often offer lower premiums with a black box or telematics device, because it lets them assess your driving. You can choose to see all results or hide quotes that need a black box.
What other types of van insurance are available?
Temporary van insurance for short periods, campervan insurance (standard van cover does not cover campers), and pickup truck insurance, which is usually treated as van cover with private or commercial options.
Why compare via Quote Goat?
Quote Goat are insurance specialists, 100% impartial, rated 4.8 out of 5 on Reviews.io. One simple form, provided by our partners at Seopa, shows live quotes from many of the UK’s leading providers so you can choose the policy that suits your needs and budget.
Van insurance products
Other van cover, and where to go if you need more than one van.
Written by Michael Foote, Insurance & Finance Expert
Founder of Quote Goat, with over 20 years' experience in finance and insurance. He has appeared on TV and in Forbes, The Telegraph and The Metro.
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Quote Goat provides access to a van insurance comparison service operated by Seopa Ltd. This page is general information, not advice. Always check the policy documents to make sure the cover meets your needs.