What type of van insurance do I need?
You’ll need to get a different type of van insurance depending on the type of van you drive. Luckily, the different types of van insurance are pretty simple to understand.
What’s the cheapest way to get van insurance?
Looking to secure the best premium, follow these tips and they could help save you money.
Compare and get cashback
First off, don’t rush into buying a van insurance policy. It’s best to shop around to find high-quality, low-cost van insurance.
Improve the security of your van
Maximising the security of your van will not only be better for your peace of mind, but it can make your insurance cheaper too. Fit alarms and immobilisers to show your van insurance provider that you’re taking action to fend of thieves. Plus, installing a tracker will make your van easier to find if it is unfortunately stolen. Although wise, this extra security can be costly. So talk to your van insurer to see if the savings on the insurance premium outweigh the cost of the extra security.
Tell your insurer how you use your van
This seems like an obvious one, but many people end up paying more for their van insurance because they don’t clearly state exactly what they use their van for. For example, if you use your van for personal use only, and not business, then your insurance premium could be cheaper, as you’re less likely to be carting around expensive goods. As such, if you’re not using a van for business purposes, you should make it obvious to your insurance provider that it’s for personal use only.
Increase your voluntary excess
An excess is a set amount of that you pay if you make a claim. Say you have an accident and your van is damaged, you’ll have to pay a sum of money in order for your provider to cover the damage. Now, there are two types of excess: compulsory excess and voluntary excess. Compulsory is a set you have to pay every time you make a claim. You can’t change how much this is. Voluntary excess, on the other hand, is how much you choose to pay every time you make a claim. It’s an amount agreed between you and your van insurance provider. If you increase your voluntary excess, it could make your premium (the amount you pay for your insurance monthly or annually) cheaper. It can be a risk though. If you increase your voluntary excess too much, you might not be able to afford it if you do have to make a claim. That won’t be fun.
Useful information
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When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.
The comparison service for van insurance accessed via Compare is provided by Quotezone, 100% independent UK insurance comparison. Quidco is a trading style of Quidco Ltd, who are an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone, who are authorised and regulated by the FCA, number 313860. Quotezone run and operate the insurance comparison service. By using this system you are agreeing to our terms and conditions & privacy notice.
*51% of consumers could save £685.51 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 May 2025. The savings you could achieve are dependent on your individual circumstances.
