Regardless of the type of van you are driving, having the correct Van
Insurance is not only a requirement by UK law, but also a necessity for essential peace of mind.
We understand that navigating your way through various insurance providers can be a little
overwhelming, not to mention time consuming. As long as your Van doesn’t weigh more than 3.5
tonnes, our team of experts is here to help.
We’ll quickly compare van insurance quotes from the UK’s leading providers including Axa, Admiral,
Collingwood & Aviva to ensure you find the best insurance deals to suit any budget.
Are there different types of Van Insurance?
Yes. Van Insurance is categorised into three main policy types: Third party
only, Third party, fire & theft and Fully Comprehensive. Any of these insurance types will allow you
to drive your van legally on UK roads. However the level of cover you will receive varies
significantly between each:
Third Party Only
This is the minimum amount of cover you are required to have under UK laws. Third party in
theory covers everyone and anyone except you, the driver. In the event you cause an accident
or damage to other people, their vehicles or their property, your policy will cover them.
In the event of an accident whereby you are at fault, third party only insurance won’t cover
the cost of repairs to your own Van, damage to personal property or tools or any personal
medical expenses. You’re also not covered in the event your van is stolen. While Third Party
Only is not the obvious best choice, it’s usually a great choice for younger drivers and
those searching for low Budget Van Insurance.
Third party, fire & theft
This level of insurance provides the same as third party only with the added additional
benefit of cover against fire and theft.
Fully Comprehensive
This is the maximum level of cover offered by leading van insurance companies. Comprehensive
insurance covers you for all of the above plus the cost of repairing or replacing your
vehicle in the event of an accident.
Do I need Commercial or Private Van Insurance?
Commercial
If you use your vehicle for work in any capacity, you’ll need business Van Insurance, which
includes travelling to and from more than one fixed location. Commercial Van Insurance is
usually split into three main categories which are Carriage of Own Goods (i.e your own tools
& equipment), Courier (delivering goods to multiple locations) and Haulage (i.e delivering
goods from a supplier to one location).
Private
For anything other than business, you can opt for private Van insurance which covers you for
social, domestic and pleasure usage.
How can I get Cheaper Van Insurance?
You can lower the cost of your Van insurance by taking several factors into
consideration. Drivers with a good no claims bonus usually get reduced premiums whilst changing the
voluntary excess or improving security features can have a big impact on your quote.
No-Claims Discount
Insurance providers will offer a discount on your annual premium for each year you have been
driving without making a claim. The likelihood of receiving a lower quote is greatly
enhanced by the more years you can accumulate.
Voluntary Excess
Your excess is the amount you must pay in advance to the insurance company when making a
claim. In most cases, the higher your excess is, the lower your premium will become.
Insurance providers usually add a compulsory excess too, so make sure you check to see if
its affordable should you have to make a claim.
Security Features
Adding additional security such as an approved alarm, immobiliser or tracking device could
make your Van cheaper to insure. Adding dead bolts and upgrading locks could also help in
reducing your premiums.
What information do I need to Compare Van Insurance?
Getting a quote for Cheap Van insurance is easy using our online platform.
To compare quotes, you’ll need your vehicle details, any recent insurance documentation and details
of any claims or convictions you might have had in the past.
Vehicle Information
You will need the details of your Van’s make, model, age, registration and any
modifications. Most of this info can easily be found on the vehicle’s V5 registration
document.
Recent Insurance
If you have had insurance in your own name in the past, having these documents to hand can
help speed up the online quote comparison process and give info on your no-claims bonus
if you have one.
Your Personal Info
As well as the obvious name, address and age, you will need the details of any previous
claims you have made and any driving convictions such as speeding fines. Having your
driver’s licence in hand when getting Van insurance quotes online can also be helpful.
What is the best Van Insurance for me?
Insurance companies use your information to assess and manage the risk of
offering you a policy. Many different factors are taken into consideration and every quote is
unique.
Based on your historical info, Van insurance prices and policy levels can vary depending on your
circumstances. You should weigh up the pros and cons of each type of insurance policy on offer. We
recommend using our platform to get a variety of quotes for different levels of cover. Use these to
make comparisons on overall cost, level of cover and any additional features such as no claims
protection and breakdown cover.
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