Switcha's top picks

RAC Van insurance

Highest Vehicle Value
£100,000
Highest Vehicle Weight
3.5 tonnes

Up to £100,000 worth of motor legal cover. 24/7 motoring legal helpline. RAC members pay £118 less on average for RAC Van insurance than non-members. 

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AXA Van insurance

Highest Vehicle Value
No Limit
Highest Vehicle Weight
N/A
Keep your costs down with a 10% online discount and up to 60% no claims discount.*
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All Van Insurance

RAC Van insurance

Highest Vehicle Value
£100,000
Highest Vehicle Weight
3.5 tonnes

Up to £100,000 worth of motor legal cover. 24/7 motoring legal helpline. RAC members pay £118 less on average for RAC Van insurance than non-members. 

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AXA Van insurance

Highest Vehicle Value
No Limit
Highest Vehicle Weight
N/A
Keep your costs down with a 10% online discount and up to 60% no claims discount.*
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MORE TH>N Van Insurance

Highest Vehicle Value
£50,000
Highest Vehicle Weight
3.5 tonnes

No claim bonus protection: More Th>n won't reduce your No Claim Discount unless you make more than two claims over five consecutive periods of cover. Temporary hire van for the time period chosen by you while your van is being repaired at one of More Th>n's recommended repairers. Three options available: 7, 14  or 21 days. 

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Adrian Flux Van Insurance

Highest Vehicle Value
£40,000
Highest Vehicle Weight
7.5 tonnes

As brokers Adrian Flux work with insurers to create tailored commercial vehicle and van schemes for every situation. Whether you are a sole trader with a single van, a company running an entire fleet of commercial vehicles or even a private van owner, you can be sure when you call for a quote today; you will be provided with effective cover for an attractive price.

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Allianz Van Insurance

Highest Vehicle Value
No Limit
Highest Vehicle Weight
3.5 tonnes

Single commercial vehicle cover – for up to five drivers. Comprehensive Cover only (subject to a standard excess of £150). Personal Accident – benefits for your client's husband, wife or civil partner. Accidental Misfuelling – cover includes any damage to the engine as a consequence. Courtesy Vehicle – for clients with a vehicle that is below 3.5 tonnes and being repaired by one of Allianz approved repairers. No excess applied or reduction in 'no claims' discount – if hit by an uninsured driver, as long as the fault can be established.

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Churchill Van Insurance

Highest Vehicle Value
£50,000
Highest Vehicle Weight
3.5 tonnes

24 hour accident recovery. Repairs guaranteed for 5 years when you use an approved repairer. 70% discount for having 9 years’ No Claim Discount. Windscreen repair or replacement, with no excess on repairs if you use a Churchill approved repairer. £500 of cover for loss or damage to audio equipment permanently fitted to your van. Medical expenses of up to £100 per person following an accident.

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What type of van insurance do I need? 

When choosing the right insurance policy for your van, you should first think about the level of cover you need and how you use your van. In the UK, you can choose from the following levels of cover: fully comprehensive, third party, fire and theft or third party only. Most drivers choose comprehensive cover because it offers the greatest level of protection for your van, yourself and your passengers. 

When comparing quotes you need to confirm whether you use your van privately, as a sole trader or as part of a business. If you use your van for business purposes and you have more than one, you could insure them together under a single commercial fleet insurance policy.

Most van insurance policies will last for one year, although you can choose to leave your policy early if you’re willing to pay a cancellation fee or take out a short-term policy that can last just a day or a few weeks.

You can customise your insurance policy with added extras, such as legal cover, breakdown cover or no claims protection. Some policies will include these as standard, but if they don’t, you should consider whether it is worth the additional cost to add them. If you plan on driving your van abroad, you should look for policies that offer foreign use cover, which gives you the same protection you have in the UK.

FAQs about van insurance

Is van insurance different to car insurance?

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Can I drive a van without insurance?

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What affects the cost of my van insurance?

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Should you get private or commercial insurance cover?

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Is it cheaper to pay van insurance annually or monthly?

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How long does van insurance last?

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Can I switch my insurance policy to another van?

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