Compare 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

• Own Goods Van Insurance
  1. Covers both the van and your personal contents inside, like tools and equipment.
  2. Typically excludes coverage for other people's goods or cargo.
  3. Some policies may require removing contents overnight and displaying notices on the van.
  4. Suitable for tradespeople transporting their own equipment.
• Courier Van Insurance
  1. Necessary for vans used to directly transport shipments to customers.
  2. Designed for vans frequently on the road, especially in urban areas.
  3. Typically covers the vehicle, but not the goods inside.
  4. Requires additional "Goods in Transit" cover for cargo protection.
• Haulage Insurance
  1. Designed for vans making long journeys to deliver goods between suppliers and businesses.
  2. Policies can include European coverage.
  3. Covers the van itself but not the goods transported within it.
• Goods in Transit Van Insurance (GIT)
  1. Specifically covers the cargo carried for commercial purposes.
  2. Requires details about the type and value of goods transported.
  3. Hazardous or expensive materials may increase premiums.
  4. Protects goods owned by clients, not your business.

Factors Influencing Van Insurance Premiums

• Location
  1. Where you live or operate your business can impact insurance premiums.
  2. If you've moved recently, check the market rates for van insurance in the new area.
• Experience and Age
  1. Premiums tend to decrease with driving experience.
  2. As you get older, some insurers may offer policies tailored to your age group, potentially providing more favorable rates.
  3. 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.
• Check What's Covered
  1. The cheapest van insurance isn't always the best. Look beyond the price.
  2. Understand what the insurance covers and if it provides adequate protection in case of an accident.
  3. Compare excess amounts, as low-cost insurance may have high excess fees.
• Choice of Van
  1. When purchasing a van, consider the insurance premiums for different van types.
  2. Select a van that matches your needs; smaller vans for small deliveries can result in lower insurance costs.
  3. If you own another vehicle, inform the insurer as it may impact your policy and payments.
• Know Your Vehicle Category
  1. Vans are categorized based on size, such as car-derived vans, micro vans, small/light vans, medium/panel vans, and large vans.
  2. Insurance prices vary by van category, so be aware of which category your van falls into.
• Look Out for Discounts
  1. 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.
  2. Many insurers offer reduced rates for extra driving training, such as motorway tests or specific van driving training.
  3. Carefully consider these factors to ensure you choose the right van insurance that meets your needs and budget.