Compare van insurance quotes

If you have a van or commercial vehicle that is in use on public roads, you’ll need to take out van insurance. Third party insurance is a legal requirement to protect other road users. Depending on the level of cover you choose, you may also claim back costs if you cause an accident.

Comprehensive insurance is often no more expensive that either third party or third party, fire and theft.

Just like car insurance, van insurance comes in three different levels:

Some van insurance policies will come with extras or you can add them for an additional fee. These can include:

When deciding what level of van insurance cover, you need you will first need to decide what exactly you want to insure your van for.

The quotes will differ depending which type of cover you choose, the type of work you do, and how much of your driving will be for work.

Standard business van insurance covers you for:

Standard business insurance comes in four categories:

The difference between a car and a van may seem clear, but it's not always as simple as you’d think. Sometimes larger family vehicles such as multiple passenger vehicles – MPVs – may be classified as vans.

If you have a camper van or MPV, you may be unable to get a car insurance quote because your vehicle may actually be classed as a van or another type of commercial vehicle. If you're unsure you can consult your V5C logbook.

Vehicles in category M1 are classed as cars, while those in categories N1 and N2 are vans.

If you work for a company that uses a number of vans in its fleet, you may need to find a fleet policy. These can include pickup insurance, fleet van insurance, courier van insurance, multi van insurance, any driver van insurance.

As with multi-car insurance you can also get multi-van insurance, this allows you to:

Like car insurance, there is no set price for a van insurance policy. The cost of cover will depend on the type of van, its value, your driving history and how the van will be used.

However, you should bear in mind that many vans will be used much more frequently and cover much more mileage than the average family car and can also carry more high-value equipment. This may mean that your van insurance costs more than insurance for a small run-around car

There are specialist van insurers that provide tailored cover for a reasonable price.

Most types of insurance policy, including van insurance, will include an ‘excess’ figure. This is the amount that you will have to pay when you claim on your policy (or the amount that will be taken off any claim that is paid out).

Your insurer will set a compulsory excess but you can increase the total by adding a voluntary excess. Although this can reduce your van insurance premiums, make sure it is an amount you could afford in the event of a claim.

Just like on a standard car insurance policy you can build a no claims discount for every year you hold a van insurance policy without making a claim.

The best way to shop around for commercial van insurance is to compare quotes. You will need to have:

If you don't provide accurate and truthful information, your van insurance provider may refuse or reduce any claim you make on your policy.

Your insurer will send you a policy document, either online or by post. This provides full details of the cover you've paid for. if you want to cancel your van insurance policy - you have a cooling-off period of 14 days.

Make sure you keep all your van insurance documentation safe, in case you need to make a claim at a later date.

Pay up front – paying in monthly instalments means you end up paying interest on your insurance. Paying a lump sum annually can save a small amount from the overall cost of your van insurance.