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Van insurance is a type of insurance coverage designed specifically for vans. It provides financial protection against various risks and liabilities associated with owning and operating a van. Van insurance is crucial for individuals or businesses that use vans for commercial purposes, such as transporting goods, providing services, or conducting business operations. It also applies to using vans for family transportation or recreational activities. Van insurance typically covers damages or losses from accidents, theft, fire, vandalism, and other unforeseen events. It may also include liability coverage for bodily injury or property damage caused to third parties. The specific coverage options and premiums vary depending on factors like the type of van, its usage, the driver’s history, and the desired level of protection. Van insurance provides peace of mind, financial security, and legal compliance, ensuring that van owners are adequately covered in accidents or incidents.
Van Insurance FAQs
What is van insurance?
Van insurance is a type of insurance coverage specifically designed for vehicles classified as vans. It provides financial protection against various risks and liabilities associated with owning and operating a van. Van insurance typically offers coverage for the following aspects:
- Third-Party Liability: This is the basic level of coverage required by law in most countries, including the UK. It provides protection against claims from third parties for bodily injury or property damage caused by the insured van. If you’re at fault in an accident, this coverage helps cover the costs of repairing or replacing the other party’s vehicle and any medical expenses they may incur.
- Comprehensive Coverage: This is a higher level of coverage that includes third-party liability and protects against damage to your own van. It covers repair or replacement costs resulting from accidents, theft, fire, vandalism, or natural disasters.
- Theft and Fire Coverage: This coverage specifically protects against theft, attempted theft, and fire-related damage to your van. It helps cover the cost of repairs or replacement if your van is stolen or damaged due to fire.
- Legal Expenses Coverage: This coverage helps cover legal costs associated with pursuing or defending a claim related to your van. It can include expenses such as lawyer fees, court costs, and other legal fees.
- Breakdown Assistance: Some van insurance policies offer additional coverage for breakdown assistance. This can provide roadside assistance, towing, and emergency repairs if your van breaks down while you’re on the road.
- Goods-in-Transit Insurance: If you use your van for commercial purposes and transport goods, you may want to consider goods-in-transit insurance. This coverage protects the goods being transported in your van against damage or loss during transit.
The cost of van insurance depends on several factors, including the value of the van, its intended use (personal or commercial), your driving history, the level of coverage you choose, and any additional add-ons or optional coverage you opt for.
It’s important to note that specific terms and coverage options may vary among insurance providers and policies, so reviewing and comparing different insurance policies is advisable to find the one that best suits your needs.
Can I use car No Claims Bonus on a van?
In the UK, it is often possible to use a car No Claims Bonus (NCB) on a van insurance policy. However, this may vary depending on the insurance provider and your policy’s specific terms and conditions. Here are a few points to consider:
- Eligibility: Check with your insurance provider to confirm if they accept car NCB for van insurance. Some insurers may allow the transfer of NCB between car and van policies, while others may have restrictions or specific requirements.
- Proof of NCB: You will need to provide proof of your car NCB when applying for van insurance. This typically involves obtaining a letter or document from your car insurance provider confirming the number of years of NCB you have earned.
- NCB Transfer: If your insurance provider accepts the transfer of NCB, they will apply the applicable discount to your van insurance premium. The number of NCB years transferred will determine the level of discount you receive.
- Separate NCB: In some cases, insurers may offer separate No Claims Bonus specifically for van insurance. This means you can earn and build up a separate NCB for your van policy, separate from your car NCB.
It is important to contact your insurance provider or broker directly to discuss your specific circumstances and confirm whether you can use your car NCB on a van insurance policy. They will be able to provide accurate information based on their policy guidelines and assist you in obtaining the appropriate discounts for your van insurance.
Are vans more expensive to insure than cars?
Vans are generally more expensive to insure than cars due to several factors. Here’s a detailed explanation of why van insurance tends to be costlier:
- Size and Weight: Vans are typically larger and heavier than cars, which can result in more significant damage in the event of an accident. Repairing or replacing a van can be more expensive, leading to higher insurance premiums.
- Commercial Use: Vans are commonly used for commercial purposes, such as transporting goods or providing services. Commercial usage introduces additional risks, including increased mileage, loading and unloading activities, and potential exposure to third-party claims. Insurers often consider commercial use as a higher risk, contributing to higher premiums.
- Payload Capacity: Vans are designed to carry heavier loads compared to cars. The weight and distribution of cargo can affect the vehicle’s handling and increase the likelihood of accidents. Insurers take these factors into account when determining premiums.
- Vehicle Value: Vans can be more expensive than cars, especially when considering specialized or custom-built models. The higher value of the vehicle translates into higher insurance costs, as insurers need to account for potential repair or replacement expenses.
- Security Risks: Vans often contain valuable tools, equipment, or goods, making them attractive targets for theft. The increased risk of theft contributes to higher insurance premiums as insurers need to factor in the potential for theft claims.
- No Claims Bonus: Van insurance policies typically have separate No Claims Bonus (NCB) systems compared to car insurance. Building a separate NCB for vans can take time and result in higher premiums initially.
- Usage Patterns: Vans may have different usage patterns compared to cars. They might be driven for business purposes, cover more mileage, or operate in urban areas with higher traffic volumes. These usage patterns can increase the risk of accidents or incidents, leading to higher insurance costs.
Despite vans generally being more expensive to insure than cars, insurance premiums can vary significantly based on factors like the van model, usage, driver history, security measures, and location. Shopping around, comparing quotes from multiple insurers, and adopting risk-reducing measures can help you find more competitive van insurance rates tailored to your specific needs.
How to lower van insurance premiums?
Lowering van insurance premiums can be achieved through several strategies. Here are some effective ways to potentially reduce your van insurance costs:
- Compare Quotes: Shop and obtain quotes from multiple insurance providers to ensure you get the best possible price. Comparison websites and insurance brokers can help streamline this process.
- Increase Security Measures: Enhance the security of your van by installing immobilisers, alarms, and tracking devices. These measures can help deter theft and may lead to lower insurance premiums.
- Secure Parking: Park your van in a secure location, such as a locked garage or a well-lit area. Off-street parking reduces the risk of theft or damage, potentially resulting in lower insurance costs.
- Limit Mileage: Provide an accurate estimate of your annual mileage to insurers. Lower mileage often correlates with a reduced risk of accidents, leading to potential premium discounts.
- Pay Higher Excess: Consider opting for a higher voluntary excess, which you will pay out of pocket before insurance coverage kicks in. This can lower your premium but ensure you can afford the excess in case of a claim.
- Build No Claims Bonus: Maintain a claims-free record to earn a No Claims Bonus (NCB). The longer your NCB history, the higher the potential discount on your premiums.
- Driver Training: Encourage your drivers to undertake advanced driving courses, as this can demonstrate responsible driving habits and may lead to lower premiums.
- Avoid Modifications: Limit modifications to your van, as they can increase insurance costs. Modifications that enhance performance or increase the vehicle’s value may attract higher premiums.
- Pay Annually: Paying your premium in one lump sum annually, rather than in monthly instalments, can sometimes result in cost savings, as some insurers charge interest for monthly payments.
- Review Coverage Needs: Regularly review your coverage needs. Ensure you have the appropriate level of coverage for your business requirements, and consider removing any unnecessary add-ons that may increase premiums.
Remember, the availability and impact of these strategies may vary depending on the insurance provider and your circumstances.
Different types of van insurance?
Several types of van insurance are available to cater to different needs and usage scenarios. Here are some common types of van insurance:
- Social Domestic and Pleasure (SDP): This is the most basic level of van insurance and covers personal use only. It includes driving for non-commercial purposes, such as commuting, leisure, or running errands.
- Carriage of Own Goods: This type of insurance is suitable for individuals or businesses that use their van to transport their own goods or equipment. It covers the vehicle and its contents during transportation.
- Haulage: Haulage insurance is designed for businesses involved in transporting goods for third parties. It provides coverage for goods in transit, often including multiple drops or long-distance haulage.
- Courier Insurance: Courier insurance is tailored for individuals or businesses engaged in courier or delivery services. It covers the transportation of goods or packages on behalf of customers.
- Goods in Transit: Goods in transit insurance provides coverage for the goods being transported in the van, protecting them against damage, loss, or theft during transit.
- Tools and Equipment Cover: This optional add-on can be included in van insurance policies to cover valuable tools and equipment kept in the van. It provides protection against theft or damage to the tools.
- Named Driver or Any Driver: Van insurance can be tailored for named drivers or extended to provide coverage for any driver within specified criteria. This flexibility is useful for businesses with multiple drivers using the same van.
- Fleet Insurance: Fleet insurance covers multiple vans or vehicles under a single policy. It is suitable for businesses that operate a fleet of vans and offers convenience, cost savings, and streamlined administration.
These are some of the main types of van insurance available, and the coverage options may vary depending on the insurance provider and specific policy terms. It’s essential to assess your specific needs and consult with insurance professionals or providers to determine the most appropriate type of van insurance for your requirements.
Does my postcode affect how much I pay for my van insurance?
Yes, your postcode can significantly impact the cost of your van insurance premiums. Insurance companies consider where the van is primarily kept or registered, as it provides insight into the risk factors associated with that area. Here’s how your postcode can influence your van insurance costs:
- Crime Rates: Insurance companies assess the crime rates in your postcode area. If your location has higher theft rates, vandalism, or vehicle-related crimes, insurers may view it as a higher-risk area. This could result in higher premiums to account for the increased likelihood of a claim.
- Accident Frequency: Areas with higher accident rates or congestion levels may lead to higher insurance premiums. Insurance companies analyse historical accident data for specific postcodes to determine the likelihood of accidents and claims.
- Repair Costs: The cost of repairs and vehicle parts can vary depending on the location. If your postcode area has higher repair and parts costs, insurers may adjust your premiums to account for potential higher expenses.
- Population Density: Areas with higher population densities often experience more traffic congestion and an increased risk of accidents. Insurance providers consider population density when calculating premiums, as crowded areas can lead to higher accident frequencies.
- Environmental Factors: Flood risk, weather conditions, or geographic features specific to your postcode area can impact insurance costs. Areas prone to flooding or extreme weather may face higher premiums due to increased risk.
It’s important to note that insurers use statistical data and actuarial models to assess postcode risk factors rather than evaluating individual circumstances. While some factors are beyond your control, comparing quotes from different insurance providers and considering additional risk-reducing measures can help you find more competitive premiums.
When obtaining van insurance quotes, you must provide accurate postcode information to receive realistic estimates. Consulting with insurance professionals or using online comparison tools can help you explore options tailored to your location and circumstances.
UK van manufacturers & insurance groups
In the UK, there are several van manufacturers that produce a wide range of commercial vehicles. Here is a list of prominent van manufacturers in the UK:
- Ford: Known for models like the Ford Transit, Transit Custom, and Transit Connect.
- Volkswagen: Known for the Volkswagen Transporter, Caddy, and Crafter.
- Mercedes-Benz: Known for the Mercedes-Benz Sprinter, Vito, and Citan.
- Vauxhall: Known for the Vauxhall Vivaro and Combo.
- Renault: Known for the Renault Trafic and Kangoo.
- Citroën: Known for the Citroën Berlingo and Dispatch.
- Peugeot: Known for the Peugeot Partner and Expert.
- Nissan: Known for the Nissan NV200, NV300, and NV400.
- Fiat: Known for the Fiat Ducato, Doblo, and Fiorino.
- Toyota: Known for the Toyota Proace.
These are just a few of the prominent van manufacturers in the UK. Each manufacturer offers a range of models with different specifications and configurations to suit various business and personal needs.
It’s important to research and compares different van models from various manufacturers to find the one that best meets your requirements in terms of size, payload capacity, fuel efficiency, features, and budget.
Here is a list of popular van models and their corresponding insurance groups. Please note that insurance groups may vary based on the insurer and specific vehicle specifications. The insurance groups typically range from 1 (lowest) to 50 (highest), with vehicles in lower groups generally attracting lower insurance premiums.
- Ford Transit Connect: Insurance groups range from 3 to 25.
- Volkswagen Transporter: Insurance groups range from 4 to 36.
- Mercedes-Benz Sprinter: Insurance groups range from 3 to 48.
- Vauxhall Vivaro: Insurance groups range from 3 to 38.
- Renault Trafic: Insurance groups range from 3 to 30.
- Citroën Berlingo: Insurance groups range from 1 to 26.
- Peugeot Partner: Insurance groups range from 1 to 29.
- Nissan NV200: Insurance groups range from 3 to 19.
- Fiat Ducato: Insurance groups range from 6 to 48.
- Toyota Proace: Insurance groups range from 3 to 29.
If you want to know what insurance group a particular van model is, you can use the Thatcham search tool.
ABI – Association of British Insurers – The Association of British Insurers is the leading trade association for insurers and providers of long term savings. … need to contact their insurer for a Green Card which they will need to carry on them if they wish to drive their vehicle in the EU.
BIBA – British Insurance Brokers’ Association – The British Insurance Brokers’ Association (BIBA) is the UK ‘s leading general insurance organisation.
*50% of customers who purchased Insurance through this service provided by Seopa were quoted less than £350 (Feb ’16 Sales).
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