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?
Both van insurance and car insurance cover the same things, however, van insurance can protect vehicles used commercially and cover their contents.
Can I drive a van without insurance?
No. In the UK it is a legal requirement to have at least third party insurance cover.
What affects the cost of my van insurance?
If you are considered a high-risk driver, you’ll be charged a higher premium because insurers will see you as being more likely to have an accident and make a claim. Your age, driving experience, car and engine size, are some of the factors taking into consideration to determine how much of a risk you will be.
Should you get private or commercial insurance cover?
The type of insurance you get will depend on whether you use your van for purely personal purposes or professionally. If you use your van as part of a trade, you will need commercial cover.
Is it cheaper to pay van insurance annually or monthly?
To avoid paying interest, you should pay for your van insurance annually.
How long does van insurance last?
Most 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.
Can I switch my insurance policy to another van?
Yes, you can switch your policy to another van. However, you will need to tell your insurer so they can update your policy. This may affect the cost of your cover. If you own a van that you no longer plan to drive and do not want to insure or tax it, you must apply for SORN to declare it off the road.