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Van Insurance – all you need to know
What is van insurance?
Van insurance is a type of insurance that covers you against a number of different risks relating to your van in a similar way that car insurance covers cars. It can be useful as vans aren’t generally covered by car insurance policies, especially if you use your van for commercial or business reasons.
Van insurance will cover third-party costs if you cause an accident and could help you pay for repairs to your van. It might also pay out if you top up with the wrong fuel, or even if you lose your keys, depending on the policies you take out.
What type of van insurance do I need?
The type of van insurance you should take out will depend on the type of van you have, what you use it for, and what you need from your policy. For example, when you choose your level of cover you can pick:
- Comprehensive cover: comprehensive insurance covers your van for any accidental damage, and it also covers third parties and their vehicle or property in case you get into an accident. It also offers cover for any fire damage to your van, and can help to cover all or some of the cost of your van if it’s stolen
- Third party only cover: third party only van insurance covers the cost of any damage to another person, their vehicle or their property that’s caused by you driving your van – but it won’t cover the cost of any damage to your own vehicle
- Third party, fire and theft (TPFT) cover: third party, fire and theft offers the same level of cover as third party only cover and it also covers loss or damage to your own van if it’s caused by fire, lightning, self-ignition, explosion, theft or attempted theft. It won’t cover any accidental damage to your own van that’s not caused by fire or theft
Once you’ve decided this, then you should consider what you use the van for:
Standard cover
Standard van insurance generally provides basic cover for your van, however it can also include contents cover for belongings you keep in the van.
Courier cover
Courier cover is for vans used to carry and deliver other peoples’ goods. The policy reflects the extended amount of time the van is on the road, but doesn’t usually cover the goods themselves
Goods cover
A goods-in-transit policy will cover the items or cargo you’re transporting. However, you’ll be required to tell your insurer about the items, especially if they’re valuable or dangerous. You can only carry the type of goods your insurer has agreed to cover.
You can insurer your own goods or tools (carriage of own goods) or delivering for someone else (a haulage or hire and reward policy), providing you have explained that to your insurer. Get more information on business van insurance.
Pick-up cover
Pick-up trucks aren’t covered by car insurance, but they can come under van insurance with pick-up truck cover.
How to reduce the cost of van insurance?
There are a few things you should keep an eye out for when taking out a van insurance policy so you can save some money, such as:
- Over-covering yourself: van insurance can come with additional policies such as personal liability or breakdown cover, but you should always check if you’re already getting this cover from somewhere else. For example, some banks offer breakdown cover as an incentive for taking out a current account with them
- Securing your vehicle: you may be able to get a reduced premium on your van insurance if you can tell your insurer about the security and safety measures you’ve taken, such as installing anti-theft devices or parking your van in a garage
- Limiting your van usage: some insurers may give you a reduced quote if you offer to cap the amount of time you’ll be driving your van, as the less time you spend driving your van the less likely you are to be involved in an accident
- Paying more excess: another way you can save money on your van insurance is by paying a higher voluntary excess. The higher the excess you choose to pay, the lower your premiums are likely to be. Just make sure the excess is affordable
- Shopping around: the best way to get a better deal is by comparing your options. Insurers can often keep their best prices for new customers, and if you auto-renew with the same provider you may be charged more for the renewed deal
How to get a cheap van insurance quote
Getting a cheaper quote for van insurance is easy when you compare deals on MoneySuperMarket. All you need to do is answer a few questions about your van, what you’ll be using it for, and the type of cover you need, and you’ll be given a selection of quotes tailored specifically to you.
You’ll be able to browse the different deals available until you find one that offers the best value, then you can click through to the provider and finalise the deal.
However, you should remember that the cheapest quote isn’t always the right one – ideally you want to aim for a good balance between the level of cover you get and the price you pay for it.
This way you can avoid under-insuring yourself just to save extra money as well as over-insuring yourself and paying for policies you don’t really need.
Do I need van insurance?
Insuring your vehicle is a legal requirement no matter what kind of vehicle you have, as long as you intend on using it on the road. As vans won’t generally be covered by car insurance, it’s likely you’ll need to take out a van insurance policy to get cover.
How old do I have to be to get van insurance?
In most cases you’ll have to be 21 to qualify for van insurance, though you may be able to add extra drivers as long as they’re over 18.
Can I get more than one van on my insurance policy?
Many insurers offer multi-van policies that let you add cover for more vehicles, and this can often be a cheaper option than insuring each van under its own policy. Learn more with our guide to multi-van insurance.
Can I add other drivers to my van insurance policy?
You’ll also be able to include additional drivers in your policy, though the specific details of the cover you can get will depend on the provider you go to.
Can I drive my van abroad?
Some van insurance providers offer policies that give you and your van cover when you’re abroad, though the list of countries covered is likely to vary between providers.
What is commercial and private van insurance?
Taking out van insurance for commercial use means you’ll be covered when you use the van for business purposes, such as carrying goods or making deliveries. With private use insurance you’ll only be covered when you use the van in social situations.
What if I have business abroad?
Many commercial van insurance policies also include cover for business abroad, however you should check whether this is as standard or as an additional policy. You should also make sure what countries are covered, as you may require an extra level of cover for countries outside of the EU.
Can I get my company van insured under my business’s name?
If the van is owned by your business then it can be insured under your business’s name.
How do I make a claim?
If you need to make a claim on your van insurance, you should call your insurer as soon as possible and let them know. You should also have a claim form, though you can request one from your insurer if not, which you fill in with the details of your claim.
What is a no-claims bonus or discount?
A no claims discount (NCD) or bonus is when your insurer gives you a reduced premium price as a result of you not having made an insurance claim for a long while. This normally applies to one vehicle, so if you replace your car with van you might be able to transfer your NCD.
If your van is an additional vehicle you’re unlikely to be able to transfer a no-claims discount from your car insurance to your van.
If I don’t want to claim after an accident, do I still have to tell the insurer?
Yes. If you get into an accident and you decide not to claim on your insurance, it’s a good idea to still let them know what happened so they can keep their records in line with yours.
Why do I need legal cover?
Legal cover can be an important part of any insurance policy, but if you’re driving a van – especially for commercial reasons – you’re likely to be responsible for a number of things.
Can I get a courtesy car?
Depending on your provider and level of cover, you may be able to get a courtesy car if your van is out of action – thought it’s likely to be a small hatchback.
Alternatively you may be able to get replacement vehicle cover, which would mean you’re given a van suitable for your needs as a temporary replacement while yours is repaired. However you may only qualify for a courtesy car or replacement van if the accident wasn’t your fault.
Why get van insurance?
It is a legal requirement to have van insurance, and cover must be in place all year round under the Continuous Insurance Enforcement regulations. Even if your van is idle in a yard for weeks or even months on end, it must be insured. The only exception is if you get a Statutory Off-Road Notice (SORN) from the DVLA.
There are three levels of cover: third party only; third party fire & theft; fully comprehensive.
The first covers your legal liabilities to other road-users and any passengers. The second upgrades this to include certain damage to the vehicle and its being stolen. The third provides the most complete protection if your van is damaged in an accident, stolen or vandalised.
Why compare quotes with us?
In just a few clicks MoneySuperMarket can compare a range of quotes from some of the UK’s leading insurance providers to ensure that you find a policy that is right for you.
And remember, it’s not just about finding the cheapest van insurance quotes, it’s also about finding the right level of cover to match your requirements.
That is why our comparison service allows you to tailor your cover to suit your specific needs. For instance, if you keep tools in your van you’ll need to cover them under the terms of your policy, or you may need additional cover that insures goods in transit if you operate a courier service.
You can add or remove optional extras at any time but remember that getting the right level of cover is more important than simply finding the cheapest van insurance quote.
So compare van insurance quotes now to get the perfect policy at the right price.
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