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What if I don’t have my van insured?

Under UK motoring legislations, it’s illegal to drive your van without the correct insurance. At the very least you must have third party only van insurance cover.

What are the different types of Van insurance policies?

The 3 main van insurance policy options are -

  • Third party only - is the minimum requirement to insure your van by UK motoring low.
  • Third party fire and theft – provides same covers as third party insurance with added cover of damage due to fire and in case of theft of your van.
  • Comprehensive insurance- it’s the highest level of van insurance cover a motorist can take out as it provides full cover to you and others involved in the accident.
What are the key differences between private and business van insurance?
  • Private van insurance - provides a cover for the van which you use for social reasons like family outing, shopping and other personal activities.
  • Business van insurance - provides a cover for the van which you may use for business purposes such as delivering goods, transporting other tools…etc.
Is it possible to take out temporary (short term) van insurance?

Yes, it is possible to take out a temporary van insurance policy for a pre-specified duration. Temporary cover normally runs for a fixed period such as one day to one month.

Compare van insurance and get it covered

By law you are required to insure your van in the UK. Van insurance differs from traditional car insurance, specifically when you use van for business purposes. When comparing van insurance quotes you need to decide what lever cover and type of van insurance cover you require.

What kind of information do I need to compare van insurance?

  • 1. Driver’s details – Driver’s name, address, date of birth and driving history are all required when comparing van insurance.
  • 2. Vehicle details – The make and model of your van, modification details (if any) and age of the vehicle. You can find all required information on V5 document.
  • 3. Van insurance documents – To ensure you get the best price it is best to also have your renewal quote because this has all the information you need to compare van insurance. It is also important to get your claims or no claims information imputed correctly.

What factors should I consider when comparing van insurance to get a cheaper deal?

Voluntary excess

Voluntary excess can help you reduce your premium, the higher the excess, the lower your premiums will be. Whatever voluntary excess you go choose will be the amount you need to pay upfront in the event of van insurance claim. Your insurer will also have mandatory excess so take this into consideration when selecting the voluntary because you do not want the combined to put you off making a claim.

No claims bonus (NCB)

If you have any no claims bonus’s then this can really help you get cheaper van insurance, if you are not sure how many years’ worth of NCB discount you have, simply contact your current insurance provider or look out for renewal letter. You will need to send your new insurer proof of the NCB otherwise this discount will be removed.

Immobilisers and locks

If your van has an approved alarm, tracker and/or immobiliser, it can further help you reduce your premium. Before you install any additional security to your van, it is important to check whether it helps you reduce your premium with your current supplier.

10 Easy steps to get cheaper van insurance

  • 1- Pay annually – most insurers offer cheaper quotes if you are paying annually
  • 2- Your mileage – If you have lower mileage then this will generally mean lower premium
  • 3- No claims discount – build up your no claims bonus discount
  • 4- Van size – a smaller van and smaller engine means less risk which helps to reduce the premium
  • 5- Security – Immobiliser, tracker and an alarm can help lower premium
  • 6- Modifications – avoid modification to your van as it can increase premium
  • 7- Hidden extra costs – make sure you only have the cover you need
  • 8- Your driving - advanced driving skills such as pass plus can reduce premium
  • 9- Overnight parking – Driveway or garage parking shows low risk
  • 10- Compare van insurance - Compare van insurance with us to find better deals.

Consider additional covers when comparing van insurance

  • Tool insurance – you can get a cover for your tools and equipment that you might keep in the van against theft.
  • Break down cover – it is not legally required but can help you when your van breaks down. Depending on your cover level, they can take your van to nearest garage if they can’t repair it there and then.
  • Legal cover – this can help you cover legal costs in the event of an accident if you are not at fault. It can also help you cover other legal cost depending on your cover type.
  • Employer liability insurance – can provide protection for you for any negligence claims made against you by your employees.
  • Public liability cover – provides protection when a member of the public made claim against you due to any accident at work.

Different types of Van Insurance

  • Standard cover – It provide basic cover for you van and can also include cover for your contents which you keep in the van. If you are intending to use your van for work and / or business purposes, you need to notify your insurance provider.
  • Pickup truck cover – Most of motor insurance providers classify pick-up trucks as a van which is why it needs to covered under van insurance.
  • Courier insurance – if you are using your van for delivery purposes, van courier insurance may offer you all the cover you need. Courier cover can cover high value goods, long distance travelling and frequent travelling.
  • Goods insurance – a goods insurance policy will provide covers for items such as hazardous, dangerous and other valuable cargo. By law, you are required to inform your insurer about the items, if they are dangerous or valuable.

Van Insurance Frequently asked questions

Yes. You are legally required to possess valid van insurance. In most cases possession of a van will be an important part of your business or self-employment. Getting the correct policy, most suited to your individual needs is vital. Read more about the support you can obtain in our beginners’ guide to van insurance.

There are 3 main types of van insurance cover: comprehensive, third party fire and theft or third party only; you can decide between a commercial or private policy with any of these levels of cover. There is another policy called telematics policies which is beginning to gain popularity and appear more widely in the market.

Commercial van insurance, sometimes referred to as business van insurance, allows you to use your van for your trade or profession; this may mean for delivery of materials or for carrying tools and equipment. When you take out private van insurance you can only use your van for social reasons such as seeing friends or family.

  • Social or non-business use
  • Transportation of materials or tools
  • Transporting hired goods in return for a fee
  • Haulage or charging for carriage of goods.

A number of factors which contribute towards your policy price are the value of your vehicle, its speed and performance and security systems. If you wish you can choose to have a voluntary excess on top of any compulsory excess, similar to car insurance, and this might lower your premium.

It’s important to inform your insurance company of any modifications to your vehicle as this could affect your premium; if you withhold such information, you may find your policy invalidated.

Your no claims bonus or NCD will only be applicable for a single van

A vehicle known as a pick-up will need van insurance. You will need to disclose if your pick-up is for private or commercial use.

It is wise to check your V5 log book to find the answer to this or if you need further clarification, speak directly to your insurer. You can get further help from our guide: what to look out for.

Your no claims bonus will only be applicable for a single van; it cannot be applied to an additional van or another vehicle. However, your NCB can be transferred to another van, in the same way you can transfer it from car to car.

Some insurance companies offer discounted premiums or may permit a reflection of your NCB on a second van. It is wise to check with individual insurers and ask about any incentives.

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*Van Insurance: *51% of consumers could save £296.07 on their van insurance. The saving was calculated by comparing the cheapest price found with the average of the next eight cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website (based on representative cost savings data for March 2020). The savings you could achieve are dependent on your individual circumstances.

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