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Compare the prices from over 60 van insurance providers you can trust, including Admiral, Churchill and RAC
Once you’ve chosen the van insurance for you, sit back and wait for your cashback to roll in. Please note that it can take 8-10 weeks for the transaction to appear in your Quidco account, and your cashback paid up to 120 days.
What details do I need to get a van insurance quote?
Details of your van
Firstly, we’ll need to know about your van. We’ll ask you to provide your number plate (don’t worry too much if you don’t have this), the mileage of your van and any modifications it’s had.
Your details
We’ll ask you what you do for work and the type of license you have.
Previous claims
We’ll need to know about any previous claims you’ve made, any accidents you’ve had or any points on your license.
Additional drivers
Planning on letting anybody else use your van? We’ll ask for their details too.
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.
Commercial van insurance
Courier van insurance
Goods in transit insurance
Pickup truck insurance
Commercial van insurance
Courier van insurance
Goods in transit insurance
Pickup truck insurance
What’s the cheapest way to get van insurance?
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.
What levels of van insurance are there?
There are only three levels of van insurance (and they’re the same as car insurance). They’re third party insurance, third party fire and theft insurance, and comprehensive insurance.
Comprehensive van insurance
This is a popular level of van insurance, and rightly so. Comprehensive insurance covers you in the case of damage, fire or theft. It also covers other drivers in case of an accident.
Third-party, fire and theft
One down from comprehensive, this level of insurance will cover other drivers for any damage that was your fault. It also covers you for the cost if your van is damaged by fire or is stolen.
Third party
The minimum level of insurance required by law. Third party van insurance covers other people on the road from any damage that you cause, but it doesn’t cover you. So if your van is damaged or you’re the victim of theft, you won’t be covered, and you’ll need to pay for the damages yourself.
FAQs
Why is van insurance so expensive?
There’s no getting around it. Van insurance is expensive, especially if you’re a younger driver. And it’s usually considerably more expensive than car insurance. There are a few reasons for this:
Firstly, van insurance is more expensive than car insurance because you’re more likely to be carrying valuable goods or tools in your van. This makes vans more attractive to thieves, meaning there’s a higher chance of you making a claim. This goes back to what we were saying about maximising your van security to get cheaper premiums.
Also, if you’re a young driver, your van insurance premium will likely be more expensive. This is because younger, less-experienced drivers are statistically more likely to have accidents and are seen as more high-risk by insurers.
Lastly, if you drive a van, especially for deliveries, you’re more likely to drive on unfamiliar roads than you would be in a car. This means that providers will see you as more likely to have an accident.
Why do I need van insurance?
You need van insurance first and foremost because it is a legal requirement. Driving a van (or any motorised vehicle, for that matter) without at least third party insurance is illegal, as stated in the 1988 Road Traffic Act. The penalties for driving an uninsured van are not a walk in the park.
What’s more, you need van insurance to cover you for any theft or damage that happens to your van, or if you damage somebody else’s vehicle. It’s not nice to think about these things happening but they do happen, and it’s best to be covered if the time comes.
When is my van insurance due?
If you don’t know when your van insurance is due, it’s easy to let it renew without thinking. The problem with this is that it’s almost always more expensive to auto-renew and not shop around for a better deal.
Even worse is when you’re not insured at all, and just don’t know it. And as we know, not having insurance is illegal… and a very bad idea.
You can check when your van insurance is up for renewal by calling your provider. They will give you more details on your policy, including the date of your renewal.
And you can check whether you’re insured or not by looking up your license plate number on the Motor Insurance Database.
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.
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*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.