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Compare cheap van insurance quotes

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**Single annual policy. Lidl Plus app required, 18+, geographical exclusions apply. T&Cs apply

What is van insurance?

Van insurance is a type of insurance that covers you and your van against the risk of fire, damage or theft. It can also cover damage to other vehicles and property.

You can find van insurance policies to suit your specific circumstances. For example, if you use your van for business, you might need a courier or commercial van insurance policy.

Whether you use your transit van or pickup truck as a run-around, or your tipper is a key part of your business, it's important to protect against these risks. This makes sure you're not left out of pocket following an accident.

How do I compare van insurance quotes?

Getting a van insurance quote only takes 5 minutes. And if you've used us before it's even quicker - you just have to check your details are up to date.

Here's the simple, three-step process to get you started:

  • Fill out our van insurance quote form. We just need some basic details about you, your van and any other drivers.
  • We compare van insurance policies in seconds. We'll compare over 40 van insurance companies to save you visiting them all separately.
  • We'll show your van insurance quotes all in one place, sorted from least to most expensive. You can easily compare policies, get more information and buy your van insurance online.

What details do I need to get a cheap van quote?

Having the following information to hand will make it easier to get an accurate van insurance quote:

Personal details:

  • Your occupation
  • Any points on your licence
  • Previous claims or accidents

Van details:

  • Registration number - useful but not essential
  • Any modifications to your van
  • Estimated annual mileage

Your recent insurance documents should have most of the details you’ll need to get a quote. They’ll also show any no-claims bonus (NCB) that could give you a discount on your insurance.

You won’t need to prove your no-claims bonus to get a quote but some insurers may ask for proof once you’ve bought a policy. If you don’t have it already, your existing or previous insurer will be able to give you a copy.

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What level of van insurance is right for me?

Going with the lowest level of cover doesn't always mean you'll get the cheapest price. There are 3 levels of cover to choose from.

  • Third-party only is the lowest level of cover. With it you're insured against any damage you might cause to someone else or their property, including your passengers. It doesn't include damage to your own van.
  • Third-party, fire and theft is the same as third-party only but also covers your van for repairs or replacement if it's stolen or damaged by fire.
  • Comprehensive gives you the most protection, covering you and your van as well as other people and their property. Although comprehensive offers the most protection, it doesn't always mean it's the most expensive. It’s worth comparing quotes at different levels of cover to see what meets your needs.

What van insurance add-ons are available?

Once you've got your quote, you can include a selection of add-ons or extra features to your policy for added peace of mind:

  • Tools in van insurance
  • Legal cover
  • Breakdown cover
  • Windscreen cover
  • Personal accident cover
  • Driving abroad cover
  • Personal effects cover

Tools in van insurance can be used to cover any tools or cargo you have in your van.

Legal cover could help you recover certain uninsured losses that aren't covered as standard by your own insurance policy. For example, if you're involved in an accident that wasn't your fault.

Breakdown cover is available at different levels, usually at different prices, to help get you back on the road as quickly as possible. Some policies offer roadside assistance, while others could help you if your car won’t start at home.

Windscreen cover helps repair or replace your windscreen, rear screen or side windows following an incident.

Personal accident cover can provide extra cover on the policy against injury and/or death caused by an accident. Most comprehensive policies will have some level of personal accident cover included as standard - the extra cover may extend it to everyone in the car.

Driving abroad cover offers a higher level of protection for when you're driving your van outside of the UK. It also covers you for a longer period compared to what's normally included in a standard policy (about 30 days standard).

Personal effects cover protects any gadgets or valuables that are stolen from the van or are damaged in an accident.

How much does van insurance cost?

Depending on how you use your van, here are the average policy prices1:

Social only

£648.32

Social & commuting to work

£650.24

Business use

£689.72

Haulage

£1,852.03

1 Based on Confused.com data November 2021

Social only is sometimes called private van insurance, this could be suitable if you don’t use your van or pickup truck for anything to do with work. It covers things like visiting family and friends, shopping or transporting kit for a hobby. This might mean you’re driving less than if you used it for work, which could help keep your costs in check.

Social and commuting could be for you if you use your van to get to one place for work, as well as for social use. If you’re travelling to a bus or train station as part of your commute, this would also fall under social and commuting.

Business use could be suitable if you use your van to carry goods, tools or work equipment belonging to you, your business partner or your employer. For example, builders, shopkeepers or cleaners might benefit from this type of cover.

Haulage use covers you if you use your van to carry goods for hire and reward. This type of cover is usually more expensive because there’s a higher risk associated with carrying valuable or hazardous items. Delivery drivers, couriers and haulage contractors might want to consider this type of cover.

It’s important to get the right type of insurance for how you use your van. Taking out the wrong type of van insurance is against the law and won’t protect you if you need to make a claim.

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How to get cheaper van insurance

Not in a rush? According to Confused.com data, (1 January to 30th September 2021), customers who ran a quote for van insurance 22 days before their renewal date see the cheapest premium on average - £712.51. This is compared to customers who ran a quote on the same day and saw the an average premium of £1,208.18.

  • Don’t auto-renew
  • Build up a no-claims bonus (NCB)
  • Let us know if you’re a member of a trade federation
  • Increase your voluntary excess
  • Add extra security
  • Choose an older van
  • Consider a black box policy
  • Use a dashcam while you drive

Don't auto-renew your current policy. Staying with an insurer isn’t always the cheapest option, even if you haven’t had an accident or your details remain the same. This year’s renewal price can be more expensive than what you paid last year. To make sure you’re getting the best deal, compare prices before your policy is up for renewal. 

What's a no-claims bonus?

A no-claims bonus (NCB), or no-claims discount, is a count of the number of years you haven't made a claim on your van insurance policy.

The amount that its worth varies from insurer to insurer, but a NCB of five years or more, for example, is likely to give you a significant discount on your insurance.

Member of a recognised trade federation? Let the insurer know, they could offer a discount.

Increase your voluntary excess as prices may fall if you're willing to pay a little more towards any claim.

Add extra security like a steering lock or immobiliser. Extra anti-theft devices make your van harder to steal and could also help lower your prices.

Choose an older, cheaper or less powerful van if you're still looking to buy, as they tend to cost less to insure.

Consider black-box van insurance and use an app on your phone or have a small telematics device fitted to your van to monitor your driving. The insurer uses the information on how and when you're driving to base your prices on, and reward good driving.

Use a dashcam while you drive to get a discount from some insurers. Discounts can vary and depend on you being able to supply footage following a claim.

Find more ways to cut the cost of your van insurance

2 Based on Confused.com data, average top quoted price January - September 2021.

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Need more help?

How do I check if my van is insured?

There’s a couple of ways you can find out if your van is insured. Try checking your emails for any correspondence from insurance providers or your bank statements for direct debits. If you’re still unsure you can check with the Motor insurance database (M.I.D). Enter your vans registration number into their tool and it’ll tell you if you’re insured or not.

What could affect the cost of my van insurance?

What you pay for your insurance policy depends on a number of things like your age, where you live and your driving history. Things about your van like how much it's worth (its value), whether it has any modifications (things like exhausts, body kits or alloys), how powerful it is and whether it has any extra security systems can also affect the cost.

What's the difference between commercial and private van insurance?

Commercial insurance is also known as ‘business use' and lets you use the van for work if you're making deliveries or transporting tools and equipment. Private insurance doesn't cover using a van for work but lets you use the van for social, domestic or pleasure use.

Can I transfer my car's no-claims bonus to my van?

Yes. Most insurers allow you to transfer a no-claims bonus between different types of vehicle but it can only be used on one vehicle or insurance policy at any one time. Some insurers might also give you discounts for taking out a second policy with them. Check with your insurer first to find out if they offer a discount like that.

Can my no-claims bonus apply to a second van?

No. Your no-claims bonus can only apply to one van at a time. Insurers may offer discounts on insuring a second van by mirroring your no-claims bonus. If you find an insurer that allows your no-claims bonus to be applied to a second van, there's no guarantee of meeting their criteria. If this is important to you, it's worth checking with the insurer directly before taking out a policy.

Why are van insurance quotes higher for young drivers?

Insurers know younger van drivers tend to be less experienced than older drivers. They use historic claims data to find the groups of drivers more likely to have an accident and make a claim. Young drivers are one of these groups, so insurers adjust their insurance prices (usually higher) to cover the increased risk. Over time as you build up driving experience and NCB, your prices should start to come down. The type of van you drive can also affect how much you pay.

Can I add someone else to my policy

Yes you can normally add another driver to a van insurance policy. Just let your insurer know and they'll ask for the second driver's details. Remember though that if you add a less experienced driver your prices may go up. Some insurers might charge an admin fee too.

Can I put more than one van on my insurance policy?

Yes. Many insurers offer multi-van insurance. Putting more than one van on the same policy can often be cheaper than insuring each one separately. Unfortunately, we don't currently compare multi-van insurance but it's something we're hoping to offer in the future.

How old do I have to be to get van insurance?

You normally need to be 21 or over but some insurers will allow drivers age from the age of 18 to be added to a policy. When you get a quote we'll ask your date of birth so the list of prices you get back will be from insurers able to offer you van insurance based on your details.

How do I find out how much my van is worth?

To make getting a quote easier, we estimate the valuation of the van based on a few assumptions. If you disagree with the valuation you can enter it yourself manually.

If you've recently bought your van, you could use the price you paid for it as a guide. Be careful not to say it's worth more than it is as this can affect the insurance price. If your van is stolen or written off it will generally be worth the market value at the time of the claim.

Show more Need more help? View our van guides

What our van insurance expert says

We know from the thousands of quotes run every day that you'll usually see the best prices around three weeks before you want your policy to start. Don't worry if you're too early or left it too late though as there are plenty of other ways to save.
Head of van insurance signature

Daniel McCulloch

Head of van insurance