VAN INSURANCE
Compare Van Insurance
How It Works
We've Hand-Picked Over 60 Different Providers.
Share Your Information
Provide basic personal details and information about your van, including make, model, and age.
Specify Your Coverage Needs
Tell us the type of policy you're looking for and details about your van's usage.
Find Your Ideal Policy
Receive a tailored list of van insurance policies based on your requirements.
Choose the one you need
Utility King makes it easy to find affordable and suitable van insurance coverage.
Find the Best Van Insurance Deal
Whether you're a business owner or a private van user, find the right coverage for your needs.
Enter your registration number (optional) to retrieve an existing quote.
Utility King helps you secure the coverage you need at a price that fits your budget.
Compare van insurance quotes
Potential savings of up to £582* for van owners.
Benefits of Using Utility King
- Significant savings potential on van insurance.
- Highly rated by users, with 92% giving an 'excellent' or 'great' rating.
- Access deals from over 60+ insurance providers.
Start comparing van insurance quotes and start saving today!
Available Insurance
Commercial Van Insurance
Two-thirds of UK vans
Two-thirds of UK vans serve commercial purposes, requiring specialized insurance.
Choose the right one
Choose the right commercial van insurance that matches your vehicle's usage and cargo to ensure adequate coverage and affordable premiums.
Options Include:
- Business Van Insurance: Ideal for business owners using vans for commercial purposes.
- Fleet Van Insurance: Cover multiple vans under one policy, perfect for larger operations.
- Courier Van Insurance: If you transport goods for delivery, this coverage is tailored to your needs.
- Hire and Reward Insurance: Suitable for taxi vans and other hire services.
- Goods in Transit Insurance: Protects the cargo you transport.
Types of Van Insurance for Different Needs
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Own Goods Van Insurance
- Covers both the van and your personal contents inside, like tools and equipment.
- Typically excludes coverage for other people's goods or cargo.
- Some policies may require removing contents overnight and displaying notices on the van.
- Suitable for tradespeople transporting their own equipment.
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Courier Van Insurance
- Necessary for vans used to directly transport shipments to customers.
- Designed for vans frequently on the road, especially in urban areas.
- Typically covers the vehicle, but not the goods inside.
- Requires additional "Goods in Transit" cover for cargo protection.
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Haulage Insurance
- Designed for vans making long journeys to deliver goods between suppliers and businesses.
- Policies can include European coverage.
- Covers the van itself but not the goods transported within it.
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Goods in Transit Van Insurance (GIT)
- Specifically covers the cargo carried for commercial purposes.
- Requires details about the type and value of goods transported.
- Hazardous or expensive materials may increase premiums.
- Protects goods owned by clients, not your business.
Factors Influencing Van Insurance Premiums
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Location
- Where you live or operate your business can impact insurance premiums.
- If you've moved recently, check the market rates for van insurance in the new area.
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Experience and Age
- Premiums tend to decrease with driving experience.
- As you get older, some insurers may offer policies tailored to your age group, potentially providing more favorable rates.
- Investigating these factors can help you better understand and manage your van insurance premiums. Keep an eye on changes in your circumstances to ensure you have the right coverage at the best price.
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Check What's Covered
- The cheapest van insurance isn't always the best. Look beyond the price.
- Understand what the insurance covers and if it provides adequate protection in case of an accident.
- Compare excess amounts, as low-cost insurance may have high excess fees.
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Choice of Van
- When purchasing a van, consider the insurance premiums for different van types.
- Select a van that matches your needs; smaller vans for small deliveries can result in lower insurance costs.
- If you own another vehicle, inform the insurer as it may impact your policy and payments.
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Know Your Vehicle Category
- Vans are categorized based on size, such as car-derived vans, micro vans, small/light vans, medium/panel vans, and large vans.
- Insurance prices vary by van category, so be aware of which category your van falls into.
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Look Out for Discounts
- Seek discounts by applying online with the same insurer or adding security features to your van. Additional security measures can make your van safer and lower your premiums.
- Many insurers offer reduced rates for extra driving training, such as motorway tests or specific van driving training.
- Carefully consider these factors to ensure you choose the right van insurance that meets your needs and budget.
Essential Add-ons for Comprehensive Van Insurance
-Protects you from legal fees arising after an accident.
-Crucial for business use as it can cover legal costs related to goods damage, loss, or theft during transportation.
-Vital for business continuity, especially if your van is essential for work.
-Offers assistance like roadside help, towing, repairs, and possible replacement vehicles or accommodation depending on the policy.
-Protects your valuable equipment and tools stored in your van.
-Crucial for tradespeople or businesses reliant on specialized tools.
-Shields your business against claims from the public following accidents.
-Important for both workplace and road incidents.
-Provides a courtesy vehicle if your van is undrivable due to an accident.
-Availability may depend on the fault of the accident.
-Covers claims made by your employees due to negligence.
- These add-ons can offer comprehensive protection for your van, its contents, and your business.
Van Insurance FAQs
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Why should I get van insurance?
-Van insurance is a legal requirement to drive your van on UK roads.
-Your car insurance policy usually won't cover your van, so a separate van insurance policy is necessary.
-Your van must be insured continuously unless you obtain a Statutory Off-Road Notice (SORN) from the DVLA.
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Is van insurance more expensive than car insurance?
-Generally, van insurance is more expensive than car insurance.
-Vans are larger, often have more powerful engines, and are considered higher risk due to their use for transporting valuable items.
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What makes van insurance so expensive?
-Vans are typically bigger and more powerful than cars, leading to higher insurance costs.
-Commercial use of vans also increases premiums.
-Young drivers, especially those under 25, face higher premiums due to less experience and higher accident risk.
-Your location, occupation, and the nature of your work can impact your van insurance price.
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Can I insure my van for personal use?
-Yes, you can get private van insurance if you drive your van solely for personal use.
- Be cautious, as using it for other purposes could invalidate your policy during claims.
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Can I get multiple vehicles on my van insurance policy?
-If you have multiple vans, consider multi-van insurance, also known as fleet cover.
-Different insurers have varying limits for the number of vehicles you can cover under one policy.
- Multi-van insurance is often more cost-effective and less hassle than separate policies.
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How can I get cheap van insurance?
-Ways to lower your van insurance cost include selecting lower coverage levels, excluding add-ons, and using multi-van insurance.
-The easiest and most effective method is to compare policies.
-Compare van insurance policies with Utility King for free, impartial, and comprehensive market searches to find the best deals quickly.