Van Insurance

New wheels, new insurance policy? Trust Autedia to find you the cheapest van insurance for your circumstances.

We compare quotes from over 60 different providers, including fully comprehensive, third-party, and black-box insurance options, so that you can choose the right deal for you and your new van.

Search the market in minutes and compare your quotes today.

You’ll need to be insured to legally drive a van in the UK. The type of van insurance that you need, though, will depend on how you plan to use your new wheels:

Social

If you plan to head to the beach in a Vauxhall Vivaro or take long-distance road trips in a VW Transporter but won’t be using your new van to do your job or commute to work, you’ll need a van insurance policy that covers social use.

Social and Commuting

A social and commuting van insurance policy is designed for work and play. With this cover, you can use your van for fishing trips, visits to Ikea, and your daily commute to and from one place of work.

Own Goods

Builders, carpenters, landscape gardeners, and other types of tradespeople who use their vans for work will usually need their own goods insurance. It might also be a good option for people who drive their van between multiple workplaces, like social workers.

If you plan to keep tools and equipment in your van, especially overnight, you might want to consider taking out additional contents cover, just in case.

Carriage of Goods for Hire and Reward

A carriage of goods for hire and reward policy is intended for drivers who use their van to deliver goods for a third party. It could be the best option for self-employed couriers, house movers, and delivery drivers.

Other types of van insurance

• Haulage – cover for single deliveries of business goods over a long distance
• Fleet – cover for multiple vans owned and operated by one business
• Black box (telematics) van insurance – cover that requires the installation of a black box that monitors your driving
• Electric van insurance – cover for electric vehicles

Comprehensive

Comprehensive van insurance is the most coverage you can have and will protect you if you’re in an accident, even if it was your fault. You’ll also be covered if there’s a fire, flood, or if your van is stolen.

Third Party, Fire & Theft

With third-party, fire, and theft van insurance, you’ll be covered for any damage you cause to another person and their vehicle if you’re in an accident. You’ll also be protected if your van is stolen or damaged by fire, but not for any other type of damage.

Third Party

Third-party van insurance is the minimum level of cover you can legally have and will only pay out for damage caused to someone else and their vehicle.

While different insurance providers might request different information, to get a van insurance quote with Autedia, you’ll need to supply:

• Your van’s details – make, model, and number plate
• Your personal details – name, address, date of birth, and occupation
• Your previous driving history – no claims bonus, driving offences, and points on your licence

Your van insurance quote will be tailored to your individual circumstances and the van you own, but according to data from Go Compare, the average price of insurance used for social driving is £328 a year, rising to £382 a year for own goods insurance.

Typically speaking, hire and reward van policies needed for couriers are more expensive and can rise to an average of £1,137 a year.

Younger drivers looking for van insurance who are aged 21 or under may also face higher premiums.

But don’t panic; there are steps you can take to get cheaper van insurance.

The cost of your van insurance premium will depend on several factors, including:

• Your age – younger drivers are more likely to pay more as they’re more likely to be involved in an accident.
• Your address – you may pay more if you live in an area with a high crime rate.
• Your job – if you use your van every day for work, you may pay more than someone who only uses their van socially.
• Your driving history – drivers who have had an accident in the past will pay more than someone who has started to earn a no-claims bonus.

There are many ways that you could find a cheaper van insurance deal in the UK.

The most important thing to remember is always to be honest, your insurance policy could be declared invalid if you’re found to have lied on your application to get a cheaper deal.

• Compare quotes – shopping around with an insurance broker like Autedia can help you find a competitive deal. With us, you can compare van insurance policies with over 60 insurers to find the cheapest option.
• Build a no-claims discount – the more years you’ve been driving and insured without making a claim, the more your insurance premium may be reduced.
• Add a named driver – while you should never claim someone else is the van’s main driver, if they aren’t, adding a more experienced driver to your policy if you’ve not been driving as long could lower your premium.
• Reduce your annual mileage – the more you drive, the more you’ll pay for your insurance. If you can cut the number of miles you clock up each year, you could make a saving.
• Increase your voluntary excess – this is the amount you agree to pay towards any claim you make. If you can afford to pay more for repairs, you could get a lower insurance premium.
• Avoid modifications – while some safety features can reduce your insurance premium, performance enhancements and cosmetic additions might make your van more attractive to thieves and push up your premium price.
• Choose a van from a lower insurance group – typically, smaller vans will be placed in a lower insurance group and be cheaper to insure than large, powerful models. You might consider buying a Citroen Berlingo, VW Caddy, or Vauxhall Combo rather than investing in a Ford Ranger.

Depending on how you plan to use your van, your budget, and the insurer you choose, you can add additional services and upgrades to your van insurance quote.

These are typically paid extras that could increase the price of your policy, so it’s worth weighing up the pros and cons before agreeing to these non-compulsory add-ons.

• Legal cover – could cover your legal costs if you’re involved in an accident that wasn’t your fault
• Breakdown cover – could help you get back on the road if you break down on the move
• Courtesy van – can provide a van to use while your own is being repaired
• Public liability insurance – could cover claims made by members of the public injured by your actions at work
• Employers’ liability insurance – a legal requirement for people who employ staff
• Tool insurance – could cover the cost of replacing your tools if damaged, lost, or stolen
• Windscreen cover – can cover the repair or replacement of your van’s windows
• Driving abroad cover – can offer the same cover you enjoy in the UK when driving your van abroad for a set period