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Compare van insurance quotes instantly and choose the right policy to suit your needs.

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Do I need van insurance?

If you own or operate a van in the UK, you are legally required to have van insurance. It’s essential for covering liability in case you are involved in an accident that causes injury to others or damage to their property.

In addition to the legal requirement, having van insurance is crucial for protecting your investment and managing potential risks while operating a van on UK roads. It can also provide peace of mind knowing that you have financial support in case of accidents or unexpected events.

How do I get cheaper van insurance?

Start early and research

Understand your specific needs and how you use your van. Select the coverage level that best suits your needs.

Optional extras

Evaluate optional extras offered by insurers to determine if they are necessary for your circumstances.


Improve your van's security with features like alarms, immobilisers, tracking devices, and secure parking.

Pay annually

If possible, pay your insurance premium annually instead of in monthly instalments.


Consider the amount of voluntary excess you're willing to pay in the event of a claim.

Drive safely

Avoid traffic violations and accidents to maintain a clean driving record.

Combine policies

If you have other insurance policies, such as home or business insurance, check if the same insurer offers van insurance and consider bundling them together for potential discounts.

Review annually

Review your insurance policy annually upon renewal to ensure it still meets your needs.

Fleet insurance

If you have multiple vans for your business, consider fleet insurance.

Types of van insurance

This is the most basic level of van insurance and is the legal minimum required to drive on UK roads. TPO insurance covers your liability for injury to other people and damage to their property if you’re at fault in an accident. It does not provide coverage for your own van or injuries you may sustain.

TPFT insurance extends the coverage of TPO insurance to include protection against fire damage and theft of your van. In addition to covering liability for injury or damage to others, TPFT insurance provides coverage for damage to your own van caused by fire or theft.

Comprehensive insurance is the most extensive level of cover. It includes all the benefits of TPFT insurance and adds coverage for accidental damage to your own van. Comprehensive insurance provides financial protection for a wide range of scenarios, including accidents, vandalism, weather-related damage, and more.

SDP insurance is suitable for van owners who use their vehicles primarily for non-business or personal purposes, such as commuting and leisure activities.

If you use your van for business purposes, such as transporting tools, equipment, or goods related to your trade or occupation, you should consider Business Use insurance. This type of cover ensures you are protected while using the van for work-related activities.

If your business involves transporting goods for customers or clients, Goods-in-transit insurance is essential. It provides coverage for the items or cargo being transported in the van, protecting against theft, damage, or loss during transit.

If you operate a courier or delivery business, you should consider specialised Courier and Delivery insurance. This type of cover is tailored to the risks associated with frequent stops, multiple deliveries, and transporting goods for others.

Factors that affect the price of van insurance​

Several factors can affect the price of van insurance in the UK.

These include:

  • Van type and model
  • Van usage
  • Annual mileage
  • Driver’s age and experience
  • Location
  • Security measures
  • Claims history
  • Type of cover
  • Excess amount
  • Additional drivers
  • Modifications and accessories


Need more help?

If your van has modifications or custom accessories, inform your insurer, and consider adding these details to your policy to ensure they are adequately covered.
Most van insurance policies allow you to cancel at any time, but there may be specific terms and conditions related to cancellations. Review your policy documents for details.
To make a claim, contact your insurance provider as soon as possible and follow their claims process. You will typically need to provide details about the incident, supporting documents, and any relevant information.
It depends on your insurer and policy. Some insurers may allow you to transfer the coverage to a new van, while others may require you to purchase a new policy. Check with your insurer for details.
If your van is not in use or is declared as off the road (SORN), you may not need full insurance coverage, but you are still required to have a minimum of TPO insurance unless you officially declare it as off the road with a SORN.

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