Any Driver Van Insurance

What is any driver van insurance?

Any driver van insurance is a policy that allows any driver to be insured to drive your van, so you do not have to add and remove named drivers whenever your staff change. It is designed for businesses that need different people behind the wheel at different times.

The term "any driver" has limits. Most policies set a minimum age of 25 or 21, and every driver who uses the van must meet the restrictions the insurer imposes. You will also normally only be offered any driver cover as part of fleet insurance, which means you need at least two vehicles, for example a director's car plus a workman's van. If you only have one van, most insurers will let you add up to 4 named drivers to a standard van insurance policy instead.

Do I need fleet insurance to get any driver cover?

Yes, in most cases you will need fleet insurance to take out an any driver van policy, which means insuring at least two vehicles together. The vehicles do not all have to be vans: a director's vehicle plus a single workman's van would count.

This is why the quote button on this page takes you to a specialist fleet insurance quote form. If you run a single van and want more than one person to drive it, a standard van policy with up to 4 named drivers is the usual alternative. For vans used for work, see our guide to commercial van insurance.

What are the benefits of any driver van insurance?

The main benefits are flexibility, less paperwork and, in some cases, a lower overall cost than insuring drivers separately.

• Flexibility: any employee can drive your vans. If one driver is unavailable, another can step in and finish the job, which can save time, money and inconvenience.
• Trouble-free: separate policies for individual drivers mean extra paperwork each time a driver changes. An any driver policy saves you amending your insurance every time that happens.
• Cost savings: depending on your requirements, one any driver policy may work out cheaper than several individual policies.

Who can be covered under an any driver van policy?

Typically, drivers over a certain age who hold a valid driving licence and have a good driving record can be covered, but the exact terms depend on the insurer. The minimum age varies from policy to policy.

"Any driver" does not mean all drivers. Anyone you intend to give access to your van must meet the insurer's restrictions, so check the age limit and any other conditions when you compare quotes.

What affects the cost of any driver van insurance?

The age of the drivers covered, whether the van is used commercially or privately, and the size and weight of the van are the main factors that affect the price.

• Driver age: policies covering younger drivers tend to cost more, because statistically younger drivers are less experienced and more likely to have accidents. An any driver policy that includes drivers under 25 is likely to be priced accordingly, which is one reason many policies only cover drivers over 25 or 21.
• Commercial or private use: private use policies tend to be cheaper. Commercial vans carry other people's goods for payment or your own goods, spend time on work sites and cover a lot of miles, so they are at higher risk of damage, theft and wear and tear.
• Size and weight: heavier vans tend to have higher premiums than smaller ones. Insurers consider large, heavy vans harder to drive and at increased risk of accident.

How can I reduce the cost of any driver van insurance?

Comparing quotes from different providers is the first step, and you can also lower the price by improving your van's security and paying a larger voluntary excess.

• Compare quotes: getting quotes from a panel of specialists lets you see which provider offers the best deal for your requirements.
• Improve security: alarms and immobilisers often bring premiums down, and vans kept in a garage overnight are seen as safer than those parked by the roadside. If you are thinking of investing in security equipment, run a comparison to see what difference it makes.
• Increase your voluntary excess: the insurer sets a mandatory excess, but you choose the voluntary excess on top. A higher voluntary excess can lower your premium, but set an amount you can afford, because you pay the excess on every claim before the insurer pays out.

Can I get any driver van insurance for personal use?

Any driver van insurance is mostly used by businesses, but some providers do offer any driver policies for personal use. Availability depends on the insurer, so ask about personal use when you compare quotes.

Bear in mind that the fleet requirement of at least two vehicles usually still applies. If you only have one van for private use, a standard policy with up to 4 named drivers is normally the practical option.

How do I compare any driver van insurance quotes?

Click the quote button on this page to go to the specialist fleet insurance quote form, where you can compare quotes from a panel of any driver van insurance specialists. Quote Goat provides access to a comparison service; the panel members provide the quotes.

When you compare, check each insurer's minimum driver age and any other restrictions, so that every driver you expect to use the van is actually covered. Choosing on price alone is not enough if the policy will not cover the people who need to drive.