Van Insurance

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Buying a van can be a significant financial investment and essential for your business so it is important to ensure that you can compare van insurance quotes so that you can compare the best prices for the level of insurance cover you need.

Enter your details now to get quotes from over 60+ leading van insurance providers, all in one place, and you too could potentially save up to £671 on your van insurance when using this quote comparison facility*.

Van insurance premiums can be substantial and comparing quotes more than 60 leading van insurance providers means that you can compare prices and compare cover to ensure you obtain the van insurance cover that you and your business require at a price to suit. You can compare van insurance quotes online in a matter of minutes and start saving on your premiums today.

The panel of 60+ UK based insurance specialists mean that finding cheap van insurance has never been easier!

What does van insurance cover?

What your van insurance will cover will depend on the type of policy you choose. Any add-ons and extras you decide to include will also increase what’s covered under your van insurance policy.

• Third-party only van insurance (TPO): This is the minimum level of van insurance legally required to drive on public roads in the UK. Third-party van insurance is intended to cover the costs of any injury or damage you cause to others as a result of an at-fault accident. It will not cover the cost of repairing or replacing your own vehicle or any trade tools etc within it.
• Third-party, fire and theft van insurance (TPF&T): This will include standard third-party cover with the added benefit of covering your own van if it is stolen or damaged/written off as a result of fire. You still won’t be covered for your own vehicle in an at-fault accident or any trade tools etc within it.
• Comprehensive van insurance: A fully comprehensive policy is the most comprehensive level of coverage a van driver can take out in the UK. This level of coverage includes everything that’s covered by TPF&T with the added benefit of covering repairs and replacement of your own van even if you are the at-fault driver. This type of insurance will also pay out if you’re involved in an accident with an uninsured driver, which isn’t covered by lower levels of coverage. It may also be possible to extend cover to include your own trade tools.

The type of van insurance that will be best for you will depend on your individual coverage requirements and budget. Remember to compare multiple car insurance quotes as sometimes a more comprehensive van insurance policy can be the cheaper option. You can also choose add-on options and extras to better tailor your coverage to your specific needs.

What are the different van insurance classes of use?

There are four different van insurance classes of use to choose from:

1. Social, Domestic & Pleasure only – which means that the van is used solely for social, domestic and/or pleasure use only i.e. it is not used for any commuting and/or business use.
2. Social, Domestic & Pleasure including commuting – as above but also allows for using the van for driving to and from your regular workplace. The important thing here is that it refers to a single, permanent place of work and not use to numerous places of work.
3. Business use – this is extended to include cover for use during the course of your business e.g. as a tradesman and can be extended to include carriage of own goods i.e. provide cover for the tools and equipment you own that are needed to carry out your job.
4. Carriage of Goods for Hire and Reward use – this van insurance cover is extended to include cover for use of your van to deliver goods for hire or reward which covers you if you're carrying other peoples’ goods in exchange for money. This class of use can also be split down further between:
   1. Courier Use – This might be as a delivery driver or courier delivering many items to lots of places with multiple drop off points. Courier van insurance policies usually don’t include “Goods in Transit Insurance” which provides cover against loss, theft and damage to your cargo and this would normally have to be taken out separately.
   2. Haulage Use – usually this cover is best suited for van drivers carrying goods over longer distances than couriers. Usually this will involve just delivering the whole load to a single location rather than lots of smaller deliveries.

Anyone using a van for commercial or business purposes should choose between the last two options i.e. Business use or Carriage of Goods for Hire and Reward use.

Van Insurance Cover Extensions and Optional Extras

Van insurance providers tend to also offer a wide range of optional cover. You can choose add-on options and extras to better tailor your coverage to your specific needs.

• Legal Expenses Insurance – Can provide cover to include legal advice and legal expenses for incidents relating to uninsured drivers, non-fault claims, personal injury disputes and other specified types of disputes.
• Breakdown Insurance – Can provide cover for costs associated with repairs and labour. Some policies may also cover accommodation costs if an emergency forces you to spend the night in a hotel.
• Goods in Transit Insurance – Can provide cover for loss, theft and damage to your cargo. You need to ensure that the level of cover offered is high enough to meet the value of the goods you carry.
• Tools in Transit – Can provide cover for cover for any tools in your van against loss, theft or damage. If your tools are expensive, make sure you've got enough cover to replace them.

Cover can vary between different van insurance policies and providers which is why you should always compare van insurance cover when you compare van insurance prices.

*51% of consumers could save £670.97 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 August 2024. The savings you could achieve are dependent on your individual circumstances.

Van insurance quote comparison service provided by Seopa Ltd, registered in Northern Ireland, Registered number: NI46322. Registered office: Seopa Ltd, 5th Floor Link Building, Adelaide Exchange, 24-26 Adelaide Street, Belfast, BT2 8GD. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA).