Van Insurance

Van insurance is vital to make sure you’re covered against a number of risks relating to your van.


Compare van insurance

When it comes to comparing van insurance, there can sometimes be many different options and figuring out which one is right for you can be a little complicated. Van insurance will cover third party costs if you have an accident and help you pay for repairs to your van.

Van insurance may also cover you if you lose your keys or if you use the wrong-fuel.

What types of van can you cover?

Van insurers cover most types of van, including:

  • Light vans
  • Box Luton vans
  • Pick-ups
  • Double or single cab vans
  • Tippers

Most insurers cover vans up to 3.5 tonnes, however, some will cover up to 7.5-tonne vehicles.

What type of van insurance do I need?

The type of van insurance you should take out will depend on the type of van you have and what you use the van for.

Comprehensive cover

Comprehensive insurance covers your van for any accidental damage. It also covers third parties and their vehicle or property in case you get into an accident. It also offers cover for any fire damage to your van, and can help to cover all or some of the cost of your van if it’s stolen

Third-party only

Third party only van insurance covers the cost of any damage to another person, their vehicle or their property that’s caused by you driving your van. However, it won’t cover the cost of any damage to your own vehicle.

Third-party, fire and theft (TPFT)

Third party, fire and theft offers the same level of cover as third party only cover. Furthermore, it also covers loss or damage to your own van if it’s caused by fire, lightning, self-ignition, explosion, theft or attempted theft. It won’t cover any accidental damage to your own van that’s not caused by fire or theft.

Types of van cover

  • You need van insurance if you:
  • Using a van privately for commuting or social driving
  • If you use a van as a sole trader
  • Use a van as part of a business

You can get a personal van policy if you only use it privately, or a commercial policy if you use it for work.

Once you’ve decided this, then you should consider what you use the van for:

Standard van cover

Standard van insurance generally provides basic cover for your van. However, it can also include contents cover for belongings you keep in the van.

Goods cover

A goods-in-transit policy will cover the items or cargo you’re transporting. However, you’ll need to tell your insurer about the items, especially if they’re valuable or dangerous. You can only carry the type of goods your insurer has agreed to cover.

You can insurer your own goods or tools (carriage of own goods) or delivering for someone else (a haulage or hire and reward policy) providing you have explained that to your insurer. Get more information on business van insurance.

Courier cover

Courier cover is for vans used to carry and deliver other peoples’ goods. The policy reflects the extended amount of time the van is on the road, but doesn’t usually cover the goods themselves

Pick-up cover

Pick-up trucks aren’t covered by car insurance, but they can come under van insurance with pick-up truck cover.

Policy extras

You can extend your cover to include:

Legal cover:

This can cover legal costs following an accident that was not your fault, and can include a 24-hour legal helpline. Here is how to work out if you need legal cover.

Breakdown cover:

This gives you assistance if your van breaks down when driving. It may be vital if you use your van for work. Here is how commercial breakdown cover works.

Protected no claims discount:

This means your no claims discount will be always protected if you need to make a claim. Here is how a no claims discount saves you money.

Replacement van cover:

This can give you a van to use while your vehicle is being recovered or repaired.

Foreign use cover:

This can upgrade your insurance cover to give you the same protection you get in the UK when you drive your van in Europe.

Public liability:

Public liability insurance will cover you and your business against claims made by members of the public.

How much is van insurance?

The cost of a van insurance policy can vary depending on the level of insurance and any optional extras that you require. Other factors that can affect your premium can include:

Your claims history:

If you have any prior claims this could increase the price of your van insurance policy.

Occupation:

Your job will have an impact on your premium.

Security:

Increasing the security of your van could help decrease the price of your insurance.

Mileage:

The amount of mileage that you do each year can also affect your premium. It’s worth taking time to work how many miles you drive each week and work out your average mileage is over the year.

Use of vehicle:

How you use your vehicle can affect the price you pay for insurance. Whether it’s the carriage of own goods, haulage, carriage of goods for hire or reward or just social use only.

To get advice about which insurance is best for your van,, please get in touch.

The cost of insurance will vary depending on different factors. As a result, the level of cover you need will ultimately determine the cost.

Insurance policies come in packages, offering a range of different cover and optional extras. It’s important to remember that the cheapest quote isn’t always the best one. It’s about finding the right cover for you.

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