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LV (Liverpool Victoria) has a van insurance policy made for people who use their van for work, for personal use, or both. You might drive a small delivery van, or maybe you use a pickup for trips on the weekend. LV’s van insurance gives strong protections. There are also options for a claims bonus to save you money. You will be covered by Allianz, who is one of the biggest insurance companies in the world. With LV, you get confidence that your insurance policy is good for the things you need every day.

LV offers van insurance for people who use their vans in daily life, like for trips, going to work, or running personal errands. They do not cover vans used to deliver goods for pay, like delivery work or couriers. But their van insurance has many features that will be good for most people with private vans or people with a small business.

Can I use LV van insurance for business purposes?

Yes, LV lets you use your van for business use, as long as you don’t use it for hire and reward. This means you can drive to different sites, move tools, or use your van to run business errands. But, any business tools, goods, or merchandise in your van are not part of this cover. You will need separate business insurance for these.

What types of vans are covered?

LV gives cover for most standard commercial vans that people or companies use in the UK. This is for vans that are used for business purposes or personal trips. These include:

  • Ford Transit
  • VW Transporter
  • Vauxhall Vivaro
  • Mercedes-Benz Vito
  • Renault Trafic

LV does not cover campervans, motorhomes, or cars that have had many changes made to them.

What’s included in an LV van insurance policy?

LV’s regular van insurance gives you many good benefits. These are made to keep your van safe and help you feel at ease. You get this peace of mind with LV’s van insurance.

Feature Included with LV Van Insurance
Accidental damage Yes, includes collision and scrapes
Theft or vandalism Covered with excess; NCD remains intact after vandalism
Misfuelling cover Yes, damage and drain costs included
Child car seat replacement Yes, even without visible damage
Lost or stolen keys Full lock and key replacement
European cover Up to 180 days in the EU with full UK-level cover
New van replacement If under 12 months old and you're the first owner
Uninsured driver promise No loss of NCD or excess to pay
Lifetime repair guarantee When using LV’s approved repairers

What optional extras can you add?

You can make your van insurance policy better by adding extras. This gives you more protection and makes it easier for you.

Optional Extra Price (from) Details
Motor legal expenses £25.99 per year Up to £100,000 cover for legal fees if you're not at fault
Guaranteed hire vehicle £19.90 per year Small car during repairs or write-off; larger car for £49.99/year
Extended personal accident cover £15 per year Increase cover to £100,000 per person; includes physio & mental wellbeing
Breakdown cover £24 per year Britannia Rescue; 5 levels of cover from roadside assist to EU-wide rescue
Protected no claims discount Variable For drivers with 4+ years NCD to prevent NCD loss after claims

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Who is LV van insurance best suited for?

  • Small businesses – This is good for tradespeople, freelancers, and mobile workers who have to use a van but do not move goods for delivery.
  • Families and personal use – This is for people who use their van for family trips, pets, or to go to work.
  • Drivers needing EU cover – You get cover for up to 180 days when you are driving in Europe with this policy.
  • Named drivers – You can add other drivers to the cover if you want to.

What isn’t covered by LV van insurance?

  • Using a van to drive for pay, like doing deliveries or courier work
  • Campervans, minivans, or motorhomes
  • Vehicles that have commercial modifications
  • If the van has any goods, tools, or merchandise inside
  • Driving outside the UK without the right paperwork
  • Vans that are only used for commercial vehicle coverage, such as leasing fleets

What isn’t covered by LV van insurance

How much does LV van insurance cost?

LV does not have set prices because the cost depends on things like your driver profile, the kind of van you have, why you use it, and your claim history. The insurance premium can change based on these things:

  • The type of driving licence you have and your age.
  • How many miles you drive every year.
  • The claims bonus or No Claim Discount you get.
  • The level of cover you choose, like third party or comprehensive.
  • Where you live, such as your postcode and the region.
  • The value of the van and what security features it has.

You can get a quote today by using their online system. When you buy online, you will also get a 5% discount. This does not include any extra options.

Does LV van insurance cover temporary or short-term use?

LV does not give temporary van insurance. They do not sell short-term cover like a day or weekly policy. Their van insurance plans are made for people who need it for a year.

What documents are needed to get a quote?

To get a quote from LV for a van insurance policy, you have to do a few things. You will need to share some information about you and your van. This is so LV can give you the right price for your van insurance. Make sure you have details about your van insurance policy ready. This will help make the process faster and easier for you.

What documents are needed to get a quote
  • You will need your driving licence. This should show any endorsements you have.
  • You will need details of the van registration and its engine size.
  • You should know where the van will be kept at night.
  • You must say if the van will be for business use or personal reasons.
  • You will need to give your claims history and show your current no claims bonus.
  • If you have a named driver, share their details too.

LV will check your history using the Motor Insurance Database. The company will see if you meet the rules for insurance coverage in the UK.

Key benefits of choosing LV van insurance

  • Small businesses – This is good for tradespeople, freelancers, and mobile workers who have to use a van but do not move goods for delivery.
  • Families and personal use – This is for people who use their van for family trips, pets, or to go to work.
  • Drivers needing EU cover – You get cover for up to 180 days when you are driving in Europe with this policy.
  • Named drivers – You can add other drivers to the cover if you want to.

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Summary of LV Van Insurance Coverage

Cover Type Included?
Accidental damage Yes
Fire and theft Yes
European travel Yes (up to 180 days)
Business use Yes (excluding deliveries)
Tool/equipment cover No
Modifications accepted No (campervans and custom mods)
Uninsured driver promise Yes
Windscreen repairs Yes (approved repairer only)
No claim bonus protection Optional
Breakdown cover Optional via Britannia Rescue
Temporary van insurance No

How does LV compare to other UK insurers?

Feature LV= Direct Line Aviva
Online discount 5% No Up to 10%
EU cover 180 days 90 days 180 days
Uninsured driver protection Yes Yes Yes
Lifetime repair guarantee Yes Yes No
Campervan cover No No Yes
Breakdown cover option Yes (Britannia Rescue) Yes (Green Flag) Yes
Temporary van insurance No Yes (through partners) No

Why More UK Drivers Are Switching to Vans for Personal Use

All over the UK, you now see that more people pick vans instead of normal cars. LV= van insurance be set up for this change. It works well for families, hobbyists, and people who do not want, or need, a big commercial policy.

Many people now see a van as more than just a work vehicle. A van can be a way to improve your lifestyle. The inside of the van can be changed in many ways. You get a higher seat to drive. There is also space for everything, like camping stuff or pushchairs. That is why a lot of people now pick a van over estate cars or big SUVs.

This includes:

  • Outdoor enthusiasts who get out and need space for things like bikes, surfboards, or other hiking gear.
  • Pet owners who go places with dogs, cages, or big crates.
  • Parents of children with extra needs who want the inside of the car to change as they need it.
  • Weekend movers who do not want to spend money on renting a van every time they have to move furniture or equipment.

LV= helps these drivers by giving them a van insurance policy made for personal use. This means you can use your van for things like commuting and going out for fun. You do not have to get expensive or strict commercial cover just to have insurance. Their van insurance is built around how you want to use your van.

Flexible Year-Round Use

Some people only drive their van at certain times of the year. For example, they may use it in summer to go camping, or to tow a trailer in spring and autumn. LV= lets you do this:

  • Set mileage limits that go with how much you use your car in different seasons.
  • Change your coverage when it is time to renew, so it fits your needs at that time.
  • Add or remove named drivers if things in your house change.

This means LV van insurance can be a good choice for people who only drive part of the year. It is also helpful if you use your van as a second vehicle.

Why More UK Drivers Are Switching to Vans for Personal Use

Growth in Shared or Family-Owned Vans

More UK households now choose to share a van between two or more people. This gives a good, simple way to avoid buying another large car. LV lets you add several named drivers, and it has extra personal accident cover. That makes this option work well for many people in the UK.

The insurance structure also works for:

  • Couples who take turns doing the school run and going to work.
  • Grown-up kids who use the family's van when they go to university or have jobs at the weekend.
  • Homes that have just one van and a small hatchback, and swap between the two.

How to Get an LV Van Insurance Quote in the UK

To get a van insurance quote from LV=, you have to give some simple details about yourself, your van, and how you use it. This information lets price comparison websites give you a quote that fits your needs and driving history.

What You’ll Need

  • Van details – This is about the make, model, fuel type, engine size, and what you think the mileage will be.
  • Registration plate – You will need this to get a quote faster and to help look up your vehicle.
  • Usage type – Say if your van is for personal use, if you use it to get to work, or if it is for business purposes.
  • Overnight parking location – Let them know where the van is parked when you are not using it, like on a driveway, in a garage, or the street.
  • Driver information – Give the name, date of birth, job, and details about any others who will drive the van.
  • Driving licence details – You need to say which licence you hold, when you got it, plus anything like penalty points.
  • Claims history – Give the date of any accidents or insurance claims, even if these were not your fault.
  • No claims discount (NCD) – Say how many years you have gone without making a claim, because this will help lower your cost.

FAQs About LV Van Insurance

LV will not help with cover for campervans, motorhomes, cars with pop-up roofs, or any that are used for hire and reward. Vans that have been changed or converted are also not included.

Yes, you can add extra drivers to your LV van insurance policy. To do this, you have to give full details of their licence and their claims history.

No, LV does not give temp van insurance. This means you cannot get day or weekly cover from them. They only have standard yearly van insurance policies.

LV lets you keep up to 9 years of no claims bonus. If you have 4 or more years, you can choose to protect your claims bonus.

Yes, LV van insurance is here for people in the UK, including those in Northern Ireland. You just need to meet their rules for licensing and other things to be eligible.

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Page last updated on: 28/07/2025

Page reviewed by: Tim Bailey

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