Van drivers — you always deliver, and great news, GoCompare’s got the goods for you. Yes, we’re talking about van insurance deals!
Roll up the shutters on the Van insurance warehouse for guides, tips and help
Do you need private or business van insurance?
We’ve hooked up with the leading van insurers to pit the right policies for you, head-to-head, and it’s sure to rev up your vanderlust.
There’s cover for Transits, Vivaros, VWs, Boxers, and almost every model in between, plus policies for private and business use.
So, bang your knife and fork on the table! It’s time for a scrumptious serving of van insurance policies.
How to get a van insurance quote
The only things you need to get your quote started are:
Your personal and contact details
Where the vehicle’s kept overnight
Your licence type and how long you’ve held it for
It’s a ‘Brucie bonus’ if you know the vehicle’s registration number, because it’ll speed up the process, but if not, you can enter the details manually. And, don’t panic, you can also quote for Q-plated vans.
You’ll also be asked about:
Other drivers who’ll take the wheel from time to time — you can buddy up on the policy and add named drivers
Any medical conditions or disabilities that have to be reported to the DVLA – it may limit the number of insurers that will offer you a policy and, perhaps, increase the expense
Answer all these questions truthfully, or risk breaking the law, invalidating your cover if you have an accident, or need to claim.
What’s your van worth?
After you’ve bared your soul, GoCompare estimates the value of your van. If you’ve recently had it valued, we’ll wind our neck in and you can tell us its price instead.
Then, tell the insurer about your van’s features:
If it’s an imported van
Plus, anything else that makes your van and situation unique.
Now’s your chance to whip out your no claims discount (NCD) and add it to your quote.
Types of van insurance
There are three types of van insurance:
Third party fire and theft
Third party only policy
Van insurance conundrums
Nope, vans don’t have a ‘social, domestic, pleasure and commuting’ classification. This isn’t car insurance.
If you commute to even a single place of work in a van, it’s business time. Get a commercial van policy, not a private one.
You can also get one-day, short-term or temporary van insurance for light commercial vehicles (LCVs).
Get the van use classification right
Every van is a classy customer — bootiful — but insurers need to know how you use it to work out your quote.
You can choose from:
Carriage of own goods
Carriage of goods for hire or reward
Picking the right van insurance policy for you
GoCompare will lift up its drapes to show you the nuts and bolts of each policy:
Type of cover
Personal accident cover
A courtesy vehicle
A slap-up three-course van insurance policy may include all of these juicy features as standard. Others won’t. Fortunately, you’ll see all your quotes side-by-side to separate the wheat from the chaff.
As well as picking the best quote for you, you can also decide whether to pay annually, or monthly.
Peer under the van insurance hood
The articles and guides in the Van insurance warehouse tackle your burning questions about van insurance.
There’s an introduction to the basics, how quotes are calculated, optional extras, security, modifications, no claims discounts, telematics and tips for saving money on your premiums.
We also talk business versus private insurance, courier cover, young drivers, the running costs of a van against a car, short-term cover, breakdown policies, and van versus car insurance as some models are really easily confused!
What are the different van insurance types?
Standard van insurance
Basic van insurance policies come with various benefits and limitations such as contents cover, mileage limits and usage restrictions. This will depend on the provider.
If you plan on using your van in connection with work or business, you’ll need to disclose this to your insurer.
Goods in transit cover
If you’re using your van to transport dangerous, hazardous or valuable cargo, a goods in transit policy could be for you.
It can cover specialist items that wouldn’t normally be protected by a standard policy, and offer assistance if they’re lost or damaged in transit.
If you’re using your van to deliver other people’s goods, a courier insurance policy could offer you the protection you need.
It’s designed to protect both couriers and their packages, and can cover high value items and long-distance travelling.
Pickup truck insurance
Most insurance companies classify a pickup truck as a van rather than a car because of their long wheelbase and regular use with work.
You’ll still have the same cover options to choose from, regardless of whether you use your truck as a social or a work vehicle.
Buying van insurance — things to remember
By comparing quotes from our selection of insurers, we can help you find a great price for your van insurance. But finding the right policy is about more than just the cost.
Many people and businesses depend on their van being up and running on a daily basis, so making sure you have the right type of insurance in place could one day help you and your business recover from an accident or theft.
The right type of policy for you and your van will depend on a range of factors, including:
car iconYour van size, specification and daily use.
The type of van you own will be taken into account when insurers calculate insurance prices. Everything from it’s size, engine capacity and number of seats can impact your premium. You’ll find more information in our guide to saving money on van insurance.
additional car drivers iconThe drivers, their experience and driving history.
You’ll find insurers charge higher premiums when insuring young or inexperienced drivers, or those with a history of accidents or traffic violations. If you fall into these categories our guide to cutting your van insurance costs could help you save money.
Insurance claims iconUnique risks and expensive or hazardous cargo.
The work you do with your van could determine which type of policy will suit you best. Commercial van insurance may cost more than a regular policy, but will cover you for using your van in connection with work. Similarly, if you regularly carry valuable or hazardous items, you may need the additional protection of a courier insurance policy.
Having the right cover in place in the event of an accident could minimise its impact on you, your customers, your business and your income. When getting a quote, you’ll be asked how you use your van and we’ll show you quotes that cover your selection.
How can you reduce the cost of van insurance?
The size of a van can really affect the cost of its insurance. Generally, the larger the engine and / or physical size of the van, the more expensive your premiums will be. So, if you’re looking for cheap van insurance, then choosing a smaller vehicle could help save a few pounds.
Building up a no claims bonus can help prove to an insurer that you’re a safe driver and they may reward you with a cheaper premium.
If you’re a member of a recognised trade federation, let your insurer know. Some offer discounts to members of these organisations.
Increasing your voluntary excess can help bring down the cost of your van insurance, but you’ll be paying out more if you need to make a claim.
Increasing the security of your van may also help lower your premium. By adding anti-theft devices, you’re lowering the risk of your van being stolen.
When you compare van insurance quotes, it’s worth considering factors like your annual mileage. As a general rule the less you drive your vehicle the less you pay which could bring down the overall price.
When your policy is about to run out, don’t auto-renew. Instead, always compare van insurance quotes online to find the best deal.