Do I need van insurance?

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. Third party only (TPO) van insurance will cover you for the cost of damage to third-party property and for any third-party injuries you cause in an accident. It will not cover any damage to your own van or property. Third party, fire and theft (TPFT) cover will also pay out if you van is stolen, vandalised or catches fire Comprehensive insurance will repair or replace your van even the damage is your fault Comprehensive insurance is often no more expensive than either third party or third party, fire and theft.

What is the best van insurance?

The best van insurance will be the van insurance policy that is best for your needs. It will depend what level of cover you need and what you use your van for.

How to get a van insurance quote

First you will need to know what level of cover you want. Just like car insurance, van insurance cover comes in three different levels: Third party only Third party fire and theft Comprehensive Then you might want to add some extras. Some van insurance policies will come with extras or you can add them for an additional fee. These can include: Windscreen cover Breakdown cover Replacement van cover Legal expenses When deciding what level of van insurance cover, you will first need to decide what exactly you want to insure your van for. For leisure only (called social domestic and pleasure) Using your van for work (called business, or commercial, use) A mixture of business and leisure use 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.

How to compare van insurance for your business

There are different levels van insurance for business The most popular is standard business van insurance, which covers you for Commuting to work Driving between different locations for work Driving to see clients or customers Travelling to the bank for work purposes Driving other employees or business contacts Attending company events

What are the different business van insurance groups

Business van insurance comes in four levels Class 1: provides cover for driving between a number of different places of work or to visit clients and customers. You won’t be covered for door-to-door sales. This is typically the cheapest class of cover. Class 2: provides the same cover as class 1 van insurance but also allows you to add a named driver – most policies specify this must be a colleague. Again, door-to-door sales are not usually covered. Class 3: provides cover for long-distance driving, which makes it the most suitable option if you make door-to-door sales. However, you will only be covered to deliver samples, so if you are delivering commercial merchandise, you will need commercial van insurance. Class 4 or commercial van insurance – you must tell your insurer the type of goods you will be carrying and for what type of business. You will only be insured for carrying the goods you have named for the purpose you have stated – you cannot do a second job, or help out a mate, transporting items, or for a purpose, you have not declared to your insurer.

Van contents insurance

This is included on class 4 business van insurance. If you want additional cover you will need to speak to your van insurance company or compare van insurance quotes online.

Non commercial van insurance - do I need van insurance for my campervan?

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.

Can I buy fleet cover van insurance?

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: Insure several vans under one policy Have a single renewal date Save on having to take out multiple van insurance policies

Why is van insurance so expensive?

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.

How can I get cheap van insurance quotes?

One of the best ways to reduce the price of your van insurance premium, without cutting back on cover is to increase your excess. 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.

Does van insurance affect my no claims discount?

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.

How do I buy van insurance?

The best way to shop around for commercial van insurance is to compare quotes. You will need to have: Your van registration number and details, including model, year of purchase, usage and any security devices that have been fitted Your driving history, including details of any claims or convictions Your estimated annual mileage, including an estimated split if you van will be used for personal and business miles Your policy requirements Details of your business, including your cargo If you don't provide accurate and truthful information, your van insurance provider may refuse or reduce any claim you make on your policy.

Can I buy classic van insurance?

If you own a classic van, one that is at least 20 years old. There are specialist van insurance brokers although you may be able to get an online van insurance quote from mainstream insurance companies.

How do I know what is covered on my van insurance 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.

How can I get cheaper van insurance

Shop around – use comparison tools to compare quotes Have a no claims discount – providers offer a no claims bonus based on the number of years you’ve been driving without making a claim. Pay a larger voluntary excess – the larger you pay up front then the cheaper your premiums but check you can afford the total amount. Fit safety features – an alarm, locks and immobilisers fitted to your van can reduce your premium but check with your insurer first. Only insure what you need – additional extras you don’t need will increase the cost of cover. Drive fewer miles – being on the road less means you’re less of an insurance risk. 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.

Has Covid affected my car insurance?

Some insurers have given customers rebates because they have used their car less during the pandemic. If you need to drive to work, or for work, when you would otherwise have used public transport, tell your insurer. If your mileage has significantly changed as a result of the pandemic, you should inform your insurer too - you might get a discount or a reduction on future premiums if you pay monthly - however there could also be an administration charge for making the change. The Association of British Insurers said that standard social, domestic and pleasure car insurance would cover those who temporarily need to drive to work or for volunteer efforts until April 30. That exemption has now expired. That means if you have changed the use of your car, you need to tell your insurance provider. Read more about Covid and your car insurance.

Why should I have car insurance?

Car insurance is required by law (you have to have at least third party insurance) to drive in the UK to protect others involved in an accident you might cause, rather than to protect you and your car. There are also higher levels of cover and several add-ons that mean you can protect yourself against financial loss in the case of accidents, theft and more. For a fee, called a premium, your car is usually insured for a year and must then be renewed. Insurance companies offer different levels of cover to help reduce these costs, and offer discounts for careful drivers who have never claimed.

Do I need car insurance?

Car insurance is mandatory so that the victims of accidents can be compensated without expensive legal cases. Car insurance covers injury to passengers, pedestrians and cyclists and damage to their vehicles or property. Car insurance is compulsory if you drive, or park, your car on public roads. You face fines, penalty points on your licence and your car being seized, crushed and scrapped if you fail to buy car insurance. In the five years to 2018 there has been an annual average of 122,000 road traffic accidents reported in England according to data from the Office for National Statistics. In 2018, nearly 123,000 vehicles were involved in accidents on British roads.

What happens if I don’t have car insurance?

If you have a car without car insurance it is likely you’ll be found out. Even if you own a car but don’t drive it, you need insurance unless you have somewhere on private property to park it and declare with the Driver and Vehicle Licensing Agency (DVLA) a statutory off road notification. The Department of Transport believes there are around 1.5 million uninsured drivers on UK roads and in 2018 more than 79,000 of them were caught. A fine of £300 is the norm, unless it’s a severe case and is taken to court, where much higher fines can be ordered. Similarly, six penalty points on the driving licence is standard, but courts can order the driver to be disqualified. The Motor Insurers' Bureau (MIB) was established in 1948 and its key activity, through its Motor Insurance Database (MID) is to identify uninsured drivers. Every car insurance underwriter is obliged – under the 1988 Road Traffic Act – to be a member of the MIB and contribute to its funding.

What different types of car insurance are available?

There are three basic types of car insurance sold in the UK. Comprehensive Third party, fire and theft Third party only

Is comprehensive car insurance right for me?

Often called "fully comprehensive", or just "fully comp", this type of car insurance offers the broadest level of cover. Not only does it cover your liability to other parties in an accident you caused, it also covers damage to your vehicle. There are hundreds of car insurers in the UK and their comprehensive policies will differ in a hundred ways. One company may even offer several different comprehensive polices, with some being more comprehensive than others. When choosing an insurance policy, look carefully at what benefits they offer as standard under their comprehensive cover plans. Comprehensive insurance is often not more expensive than lower levels of cover.

Is third party, fire and theft car insurance right?

Sometimes shortened to TPFT, this covers your liability requirements to other parties involved in an accident you caused – such as injury costs, vehicle damage and compensation claims. But it also provides you cover – up to the value of the vehicle – should your car be stolen, or damaged in a fire. It will not cover you for damage to your vehicle or personal injury to yourself in an accident with another vehicle. If your car is damaged or you and your passengers are injured and it was not your fault, any claims will be made to the insurer of the person who caused the accident (the liable party). TPFT is not always cheaper than fully comprehensive.

Should I buy third party only car insurance?

This is the most basic type of cover that is offered in the UK, and it is not offered by all insurance companies. It provides cover only for your liabilities to other parties involved in an accident you caused. It is sometimes more expensive than comprehensive car insurance.

Does it matter what I use my car for?

You will also need to tell your insurer what you use your car for as this also affects the cover you need. The options include: social, domestic and pleasure – the basic cover for personal use commuting – to one place of work (or to the station each day to get the train to work) business use – varying levels depending on whether you visit different workplaces, or clients and work sites and what you carry with you commercial use – using your car as a key part of your job Each of these uses adds a little to your premium. You must only use your car for the purposes outlined to your insurer, otherwise you are technically driving uninsured and may be fined, given penalty and have your car crushed.

How does car insurance work?

In very simple terms, insurers calculate the likely risk of accidents and how much they might have to pay out for each accident. They set the premiums to cover that. Insurers then invest all your premiums until they have to pay out. In an ideal year, the total they had to pay out handling claims would be less than the total they received in premiums. But car insurers often pay out more than they received in premiums. Second best is if the total of premiums and the investment income that year is more than the amount paid in claims. In reality, car insurance often makes a loss. Fierce competition and ever-increasing claims costs see to that. But many insurers also sell cheap to get you as a customer and they hope to sell you more lucrative and profitable products.

What are brokers and underwriters?

There are basically two types of insurance businesses – brokers and underwriters – although many now act in both capacities. Insurance brokers A broker is a commercial entity that works as an agent selling insurance policies from other companies. The broker may be the representative of just one company, or may sell policies on behalf of several insurers. Brokers are responsible for commercial activities, such as promotion and winning new clients, as well as servicing the needs of policyholders – dealing with queries and claims. Traditionally brokers worked on behalf of the client but regulation means the term has much broader definition now. At the highest end are Chartered Insurance Brokers. Insurance underwriters Underwriters are more usually companies, but can be a single person or consortium, whose responsibility it is to assess the risk factors behind insuring someone’s property or liabilities. Based on these risk factors, they then work out the cost of the policy – the premium. In the context of car insurance many underwriters now have their own brokers, so in essence the brokerage and underwriting business is all under one roof. And in the modern era of insurance, most car insurance underwriting decisions are now made instantly as all the risk factors are run through a computer algorithm that sets the premium. When you search for car insurance quotes on Uswitch you will see a range from both insurers and brokers and you may see different premiums from what appears to be the same company.

How is my insurance premium calculated?

Simply put: the bigger the risk, the bigger the premium. Drivers who are statistically more likely to make a claim on their car insurance policies, or who will make more expensive claims, pay a higher premium. The premium is the price you pay for your insurance policy. Insurance companies pool together all the premiums from all their policyholders and this forms the pot from which all subsequent claims are settled. It is also known as a "risk premium", because it is based on various factors that the underwriter considers you pose as a risk to making an insurance claim. The insurance company does not want you to make a claim – it wants to keep that pool of premiums for itself. So, given the opportunity, it would sooner just insure careful drivers who have never had an accident. But it accepts that statistically, even the most careful drivers sometimes make mistakes.

How is risk assessed?

Car insurers gather data from your online quote application about the car to be insured and the person, or people, who will be driving it. Remember, you must be honest about all the answers on your quote application otherwise your policy will be invalid. The car – the make, model and the year of manufacture. There are 50 car insurance groups. Some cars are also complex and difficult to repair and this makes them more expensive to insure. How powerful the car is – the faster your car is capable of moving, the faster you are likely to drive and the more damage you can potentially do if you do crash. Annual mileage – statistically, the further and more frequently you drive your car, the more likely you are to have an accident in it. Car usage – standard policy cover is for social, domestic and pleasure (SDP). Add commuting to this (SDPC), and your premium goes up, as it is assumed that you’ll be driving more often and at the busiest times of day. A further class may be needed if you travel in your car as part of your business – (SDPC + business). Age and experience – the younger and more inexperienced the driver, the greater the premium. Male or female – women are statistically less likely to make a car insurance claim. Driving offences – drink driving, speeding, uninsured – involve more men than women. When women do claim, the cost of repairs and personal injury payments are also generally lower than for men. While an EU gender directive in 2011 ruled that price discrimination based on gender breached rules on equality, women continue to pay – on average – lower premiums than men. Occupation – some occupations are considered more risky than others. Previous convictions – Driving bans, endorsements or points on your licence mean the premium will be higher. Prison terms for non-driving offences can also negatively impact the premium. Health issues – some underlying health issues, such as strokes, must be declared and can possibly affect your premium. Previous claims – if you can prove that you’ve never claimed on a policy, you’ll get a cheaper quote. This benefit is called the "no claims discount", or "no claims bonus". Location – some areas are considered a greater risk than others. Cities remain the most expensive places to insure a car as much of the risk assessment is based on local crime rates. Where you park – a more secure the parking location will generally give a little discount off the premium.

Why do car insurance quotes vary so wildly?

Some insurers favour certain kinds of driver or car or even location over other. Insurers also use different risk factors - with some even including your email provider in their assessment, as well as how far ahead of your renewal you search for quotes. That means getting a second quote a week later may change the premium quoted from the same insurer, even if everything else is the same.

Why is my premium so high because I’m young?

Of all the risk factors mentioned above, underwriters consider youth and inexperience to be the riskiest. The Consumer Intelligence car insurance price index for March 2020, calculates the average price for premiums for drivers below the age of 25 is £1,795. This compares with the overall average premium of £829 and an average of £402 for over 50s. The good news is, that premiums can come down rapidly as you demonstrate year-upon-year of careful driving with no claims on your policy. There are also an increasing number of insurers offering telematics – or "black box" – insurance schemes that offer rewards for careful young drivers. The Consumer Intelligence car insurance price index suggests 61% of the cheapest quotes for under 25s were telematics products. Visit our special page for more information on black box insurance.

Why am I paying a higher premium because I drive a lot?

You are statistically more likely to be involved in an accident and make a claim so the higher your annual mileage, the more your premium is likely to cost. It is important to be as accurate as you can when calculating your annual mileage on your insurance quote. Look on your car service and MOT records – they should give an accurate account of your mileage in the last year.

Why do I pay a higher premium for living in a city?

There is a greater volume of traffic and some areas within cities have higher levels of crime. The most expensive city to live in is London, where the average car insurance premium is £1,269. Next it’s the north-west, with big cities such as Manchester and Liverpool, with an average premium of £1,073. Here’s the full round up of regional averages from the 2020 Consumer Intelligence car insurance price index: London: £1,269 North-west: £1,073 East midlands: £906 West midlands: £888 Yorkshire and the Humber: £778 South east: £662 Wales: £660 Scotland: £651 North east: £648 East of England: £619 South west: £601

Will my car insurance cover everything?

Third party only insurance covers only your basic liabilities in the event of injury or damage caused to other people’s property when you have an accident in your car. Third party, fire and theft has the additional cover for if your vehicle is stolen or involved in a fire. Comprehensive insurance comes with a wide range of extra benefits, making the premium pricier than the alternatives. Here’s what a typical comprehensive cover plan might look like: 24-hour helpline – to help get you moving if you’re stranded following an accident, and to help get your claim started Loss or damage – cost of repairs to a damaged vehicle or cost of replacement if the vehicle is stolen and not recovered, or damaged beyond repair Personal accident cover – to cover your, or your passengers' emergency medical expenses or specialist treatment following injury in an accident Legal liability – cover for injuries or death to other people in an accident you caused in your vehicle Courtesy car – provision of a free replacement car while yours is being repaired, usually up to around 21 days Repairs guarantee – any repairs following an accident are guaranteed for five years if carried out by a repair shop approved by the insurer Driving abroad – most insurers will offer comprehensive cover for driving in Europe up to a certain number of days during the policy's life These usually come as standard in comprehensive car insurance plans, but shop around for the best deals. Here are some additional benefits that might either be included in your policy as standard, or available as add-ons for an additional premium: Additional legal cover or personal injury cover – legal or personal injury costs not covered by the policy, can be added on. These might include recovering the legal costs for a compensation claim or defending you in court against a claim Misfuelling cover – this covers the cost of draining your tank if you fill up with the wrong fuel, getting your engine started and providing enough of the right fuel to get you to the next filling station Key cover – if you lose your keys, or they are stolen or damaged, they will be replaced or retrieved if locked in your car Breakdown cover – if you are not already a member of a breakdown service, this additional cover will get you going, or get you and your vehicle to somewhere safe

How do I make a car insurance claim?

Once you’re covered by a comprehensive insurance plan you can make a claim direct from your own insurer in the event of an accident, damage to your car by vandalism, or if it is stolen or otherwise destroyed beyond repair. A claim is simply what the insurer will pay you back for the loss that is covered under the policy. Check your policy to see what is covered – all comprehensive policies differ in the benefits offered. If you are in an accident and it wasn’t your fault, your insurer will be aiming to claim back its expenses from the other driver’s insurance company, so make sure you do everything you can to prove liability. Here’s a checklist of what to do: Take photos of the scene Exchange names and policy details with other drivers involved – if they are reluctant to do so, they can be traced through their vehicle number plate Get the names and addresses of any independent witnesses If the police are called ask for a copy of any report or police statement Tell your insurance company about the accident right away Most insurance companies now have a claims telephone line and they will take you step by step through the claims process.

Can I claim if I’m in an accident and I only have third party cover?

If the accident is not your fault, take all the steps to make a claim, and then contact the insurer of the other driver, giving them details of the accident, witness statements, and the policy details of the driver at fault. If the accident was your fault, you have no claim. You must still tell your insurer.

Can I claim if I’m in an accident with an uninsured driver?

Data from the Motor Insurers’ Bureau (MIB) – an organisation that aims to expose uninsured drivers and help compensate victims of them – believes there are around one million uninsured cars on the road in the UK, costing honest drivers higher premiums to help the industry mitigate the costs. If the driver of the other vehicle is reluctant to give any details about their name, address and insurance cover, it’s likely they are not covered. Tell the police straight away, as failure to give insurance information is a criminal offence. Make sure you get as many details as you can – car registration, make model. Take photos of the scene if possible. Tell your insurance company immediately – they can check the MIB’s Motor Insurance Database (MID) to see if the vehicle is insured. If you have comprehensive cover, your insurer will pay out – even though it will be unable to recover costs from the other party. If you only have a third party policy, you cannot claim through your insurer, but you might receive some compensation through the MIB – though this process can take many months.

Will my no-claims discount be affected?

If the accident was not your fault and your insurance company can recover your claim from the other driver’s insurer, your no-claims discount should be protected. You are likely to lose some of it, however, if you make a claim on your insurance for damage or injury sustained in an incident that was your fault, or if any third party successfully claims against your insurance company. Typically, your no claims discount is reduced by two years if you have to make a claim. Some car insurance policies offer no claims discount protection – mostly at an additional premium. This could allow you to claim up to two times within one year without reducing your no claims discount.

Who are the biggest car insurers?

Based on Mintel's March 2020 Motor Insurance report, the total size of the UK car insurance market was £12.7bn in gross written premiums in 2019. The UK’s 10 biggest car insurers controlled nearly 92% of that market. They are as follows: Admiral – which also sells insurance through its Bell, Elephant and Gladiator brands has a market share of 18.9% based on £2.4bn in gross written premiums Direct Line – trading under parent company UK Insurance, and together with its Churchill and Privilege lines has a 13.2% market share based on £1.67bn in gross written premiums Aviva – has a 12.2 % market share based on £1.55bn in gross written premiums LV= – which also owns Britannia Rescue, Highway Insurance and Frizzell, has a 9.8% market share on £1.25bn in gross written premiums Ageas – has a market share of 8.3% after £1.05bn in gross written premiums Hastings – and its InsurePink and People's Choice brands owns a 7.2% market share based on £920m in gross written premiums Markerstudy – which owns Zentih and includes the Geoffrey brand, reported £823m of motor GWP, representing 6.5% of the market Esure – which also owns Sheilas' Wheels, has a 6.1% market share after £770m in gross written premiums Axa – has a share of the market 5.9% based on £750m in gross written premiums RSA – formerly Royal & Sun Alliance also sells insurance through its More Than brand and underwrites policies for Ingenie, has a 5.9% market share on £750m gross written premiums

How does my job affect my car insurance?

The type of work you do changes how you use your car and what you carry in it. For example, a music teacher might pay more than a primary school teacher because they are more likely to be carrying an expensive instrument with them making theft claims higher. Some jobs carry such high risks insurers simply won't offer fully comprehensive polices - for example a Premier League footballer hurt in a crash, possibly with team mates as passengers at the time, could result in a multi-million pound claim on their insurance. It's illegal to lie on your car insurance form, but if there are several options that you can accurately describe yourself as, it might be worth seeing if one offers a cheaper car insurance premium and selecting that.

What was the most expensive car insurance claim?

Car insurance claims can run into the millions where people have been seriously, and permanently, injured. That leaves the insurance firm paying out not just to cover modifications to their home, but to cover care costs and replace lost earnings for the rest of their lives too. The biggest car insurance claim when it comes to repairs we know of was paid to Mr Bean actor Rowan Atkinson after he crashed his McLaren F1 sports car. He was paid £1.14m and the damage to the car was so severe it took mechanics and body shop specialists at McLaren a year to put right. In terms of a single incident, claims from the victims of the Selby rail crash and their families cost insurer Fortis and its reinsurers around £50m in total costs. The crash happened in 2001 when a Land Rover plunged down a railway embankment from the M62 on to the East Coast Main Line near the North Yorkshire town of Selby, causing two trains to derail.

When did car insurance start in the UK?

Car insurance has been around in the UK almost as long as there have been cars. The first car insurance policies were written in the late 1890s, with Scottish Employers Liability Company known to be among the first to cover against personal accident, damage and third party motor risks. It became mandatory to insure your motor vehicle under the 1930 Road Traffic Act, which – as well as abolishing all speed limits for cars – introduced such offences as dangerous and careless driving. Today, the law is regulated under the Road Traffic Act 1988 and requires motorists to either be insured or to deposit £500,000 with the Accountant General of the Supreme Court against liability for injury to others and for damage caused to their property. The UK insurance industry is supported by the Association of British Insurers, which is more than 200 members strong and was formed in 1985 to represent the industry in public policy and regulatory debates, as well as promoting UK insurers at home and overseas. Thatcham Research, a car insurance industry body launched in 1969, provides the joint ABI and Lloyd’s Group Rating Panel which establishes the insurance group of every private car registered in the UK.

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5 steps to finding van insurance using Uswitch

5 steps to finding van insurance using Uswitch

Written by Jafar Hassan, Personal Finance Expert Contributor

Edited by Samantha Downes, Finance Expert Contributor, 23 February 2021

Get van insurance you're happy with by comparing deals on Uswitch. Here's how...

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Find van insurance with Uswitch: step by step

Using the details you provide, we can get you insurance quotes from the UK's leading insurance providers and brokers. Read our 5-step guide to finding a list of van insurance policies that suit you.

Compare van insurance

Search for a range of van insurance quotes and deals with Uswitch and money.co.uk*

Get a quote

What you'll need to have ready

Your van details and registration number
details of claims and convictions
your estimated annual mileage
driving licence details for all drivers

Step 1: What you need to start your van insurance quote

This is what you'll need to have ready:

Your van details and registration number
Details of claims and convictions
Your estimated annual mileage
Driving licence details for all drivers

Step 2: Complete our online quote form

To help us get van insurance for you, you'll need to give us:

Some personal details, including your name, address and occupation
Your policy requirements
Your driving license details
Your driving history
Details of your business
Details of your van, including model, year of purchase, usage
Details of any security devices that have been fitted

The information you provide will help us create a list of the most relevant van insurance options for you.

It's important to answer all the questions honestly. If you don't, your van insurance provider may refuse any claim you make on your policy.

Step 3: Compare insurers

Based on the information you provide, we'll show you a list of van insurance providers with quotes for the annual premium, first and monthly payments and details of any special offers.

Step 4: Pick your van insurance plan

You will now be able to refine the results, find out more about the individual van insurance providers and buy your van insurance online or over the phone.

Be aware that you may be asked some more questions before your van insurance quote is accepted.

Step 5: What happens next

What can you expect after you've bought your new van insurance policy? Here are the answers to some frequently asked questions.

Is Uswitch my van insurance provider?

No - Uswitch isn't a van insurer or underwriter. We simply help you to compare and get van insurance quotes from the UK's leading insurers and brokers so it's easy for you to decide on the best van insurance policy for you.

How do I know what I'm covered for?

Your insurer will send you a policy document, either online or by post. This provides full details of the cover you've paid for.

What if I want to cancel my van insurance policy?

You have a cooling-off period of 14 days. Contact the insurer within that time for a full refund.

How do I make a claim?

The policy document from your van insurance provider will include contact details for making a claim.

Make sure you keep all your van insurance documentation safe.

Compare van insurance

Search for a range of van insurance quotes and deals with Uswitch and money.co.uk*

Get a quote

5 steps to finding van insurance using Uswitch

Written by Jafar Hassan, Personal Finance Expert Contributor

Compare van insurance

What you'll need to have ready

Step 1: What you need to start your van insurance quote

Step 2: Complete our online quote form

Step 3: Compare insurers

Step 4: Pick your van insurance plan

Step 5: What happens next

Compare van insurance

Read more...

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