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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