How we came up with the 8 best van insurers
We focused on the best van and commercial vehicle insurers and brokers based on customer ratings, using reviews on Reviewcentre.com and Reevoo.com. Seven of the providers are rated at least 4 out of 5 from an average of hundreds, and in some cases thousands, of reviews, except Axa, which has a total score of 1.3 from 116 reviews as of April 2018.
Also, an independent financial researcher gave the top four insurers its highest mark for the comprehensiveness of their policies. Geoffrey Insurance came out top because it has won a number of awards and accolades for the quality of its customer service.
We believe our top 8 offer quality policies and good customer service for individuals and company van insurance. You can compare them and get van insurance quotes using Go Compare.
For those looking for other forms of business insurance, we’ve written a guide to cover for tradesmen.
You can get 20% off Axa business insurance through our groups for builders, carpenters, plumbers, electricians, and painter and decorators.
How much is van insurance?
The average cost of van insurance is £1,202 a year and has risen 20.3% in the year to January, according to Consumer Intelligence. Van premiums have gone down by 2.5% — the biggest decrease in the three months prior to January 2018, but have overall increased by 20% over the 12 months prior to Janury 2018.
However, fully comprehensive van insurance starts at around £181 a year with Direct Line, not including any extras. This figure is based on 10% of customers between 1 May 2017 and 31 October 2017.
Get a quote from Direct Line for van insurance here.
Devitt offers a range of sample quotes for a married, self-employed builder with a clean licence who lives in the postcode BS27 near Weston-super-Mare.
For example, a £2,000 Peugeot Expert would cost £213 to insure on a fully comprehensive policy and £194 on third party, fire and theft.
A £9,000 Iveco Daily would cost about £312 for fully comprehensive and £283 for third party, fire and theft.
Remember, the cost of van insurance will depend on a number of factors, including the size, value and model of the van, your age, your no claims discount, and where you live. The above figures should be taken as guidance only.
Before you buy a van
If you already have a van and are shopping around for better or cheaper insurance, find out how to save money or read our reviews of providers.
But if you’re about to buy a van there are a few things to think about that may affect insurance costs.
The size of the van and vehicle category will have an impact on your premium. Generally, the smaller the van, the cheaper the policy will be.
Obviously, you should buy a van that is right for the work you do, but if you are considering getting a larger vehicle just in case you need the extra space make sure you take into account the increased premium. It may be cheaper buying a smaller van and hiring a larger one for jobs that need a bigger vehicle.
You can get quotes from some of the best van insurers on Go Compare before you buy to help you decide on the right van.
How to save money on van insurance
There are a number of things you can do that may help you get cheaper van insurance.
Adding security features can be an easy win. The sort of thing insurers like are: having an alarm, immobiliser or tracker; fitting a steering wheel, gear stick or handbrake lock; getting the van security etched or marked; and parking the van in a secure location overnight.
Another security option is adding a sign to the side of the van. The obvious choice is putting your business’s logo and details on it. This can reduce your premium because it’s been found that vans that are easily identifiable and linked to a company are less likely to be scratched, vandalised, and stolen, and will be better driven. You could also add a ‘How am I driving?’ sign and phone number.
Many insurers will offer a replacement van, which is a useful service. However, if you have another van it may be more cost effective to use that one while your other vehicle is out of action, rather than paying more for the policy feature.
If you’re not able to log your van’s security measures or deselect replacement cover you should contact your chosen insurer directly to discuss your requirements and potentially negotiate a discount.
Having a no claims discount or bonus (NDC) always helps and some firms will even let you apply your bonus from your car insurance to your van.
If you have the money to pay for the full year’s policy in advance you may make a saving because you won’t be paying interest on monthly payments.
Van drivers who are members of a trade group are already eligible for a discount from some insurers. If you’re part of the NICEIC, Gas Safe, Federation of Master Builders, Federation of Master Craftsmen, or the FPDC, check with your chosen insurer to see if they’re part of a discount scheme.
Of course, you’ll also need to think about any other named drivers on the insurance. Including anyone under the age of 25 or with a conviction will cause your premium to jump.
And as with car insurance you can cut your premiums by increasing the excess you’re willing to pay.
Van owners should be able to make savings using a combination of these techniques and we recommend discussing them with your insurers to see how you can get the cheapest and fairest premium. When contacting them always give the correct mileage and usage of the van. If the information you give is incorrect, the insurer may not pay out if you make a claim.
You can compare prices of van insurers, including our top 8 providers, using Go Compare.
Van contents insurance
There’s a good chance you’ll have expensive tools, equipment or merchandise you’ll want to leave in your van at some point. If you’re concerned about losing items stored in a van, you’ll need to include the contents in your insurance policy.
Covering items in your van will increase the premium, so it might influence whether you remove tools from your vehicle at night. But a slightly higher premium may well be worth it if it saves you the hassle of removing heavy equipment after a busy day and gives you peace of mind.
The amount of cover for content varies massively between insurance companies. Geoffrey does not offer any cover for tools, equipment or cash whereas other insurers such as Direct Line offer a relatively small (£500) amount as standard.
Dial Direct and Budget offer a tool and content add-on that gives £5,000 of cover with a £100 excess and £10,000 of expenses cover, which will help with things like the cost of transporting equipment if your van is out of action.
Bands and musicians often have no choice but to leave instruments and equipment in a van if they’re on tour or playing a gig. We’ve written a separate guide to musical instrument insurance that explains whether they’re covered when left in cars and vans.
You can find out a little more information about van contents insurance from our best tradesman insurance article.
Van insurance groups and the cheapest vans to insure
As with car insurance, there are 50 van insurance groups that companies use to set their premiums. However, most vans seem to fall within the first 20 groups. Vans are grouped based on weight and engine size.
The cheapest vans to insure will be in group 1 and prices rise as the groups go up.
Vans in group 1 include the Citroen Berlingo, Ford Fiesta Van, Fiat Fiorino, Peugeot Partner and Vauxhall Corsa Van.
You can set the level of contents cover when you get a Go Compare van insurance quote.
Temporary van insurance
It is possible to buy short-term van insurance. It can range from 1 to 28 days on Go Compare.
Short-term insurance is available for those aged 19 to 75 for light commercial vehicles (LCVs) and vans up to 3.5 tonnes.
Temporary insurance may be useful if you’re hiring a van for a day, maybe for moving house or a job that needs a bigger vehicle.
If you’re using a van in Europe, check whether your policy includes European cover.
Some insurers include up to 30 days as standard and others offer add-ons for longer trips. Geoffrey’s optional extra gives you European cover for up to 90 days.
Other van types
Be aware that certain van uses may not be covered by standard insurance and may need specialist policies. Insurance for mobile coffee vans and mobile catering insurance can be found through firms like Adrian Flux.
Make sure you check the policy documents before you buy to ensure all uses and equipment will be covered.
If you’re looking for mobile dog grooming van insurance you may need to cover equipment in the vehicle, which you might be able to do under normal insurance but if the grooming takes place in the van, it may not be covered.
Check our pet grooming insurance group to get a discount from Petplan Sanctuary.
Courier van insurance is treated slightly differently. Couriers and ‘man and van’ work can be classed as haulage and is not covered by all companies. Geoffrey and Direct Line will not cover it but Axa has a site that offers cover for couriers.
When we use the term car insurance, it’s important to note that all types of passenger vehicles fall into that category – not just cars. Sport utility vehicles (SUVs), trucks and vans are all considered “cars”, and are eligible for car insurance coverage. Here’s a quick look at what types of vans can get a standard car insurance policy.
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What Qualifies as a Van?
A van is a 4-to-5 door automobile used for carrying people or goods. Commercial vans are larger than personal ones and, as such, require commercial vehicle insurance. For the purposes of this page, we’ll focus on personal vans, which are only used to transport passengers and their belongings. The most common type of personal van is the minivan. A minivan is larger than a sedan but is still eligible for standard car insurance coverage.
Is Van Insurance Different from Car Insurance?
Van insurance is identical to insurance for more “regular” cars. In fact, in Canada, the policies for each are one and the same. All the insurance coverage that is mandatory and/or available for regular cars also applies to personal vans. These include:
Third-party liability: This is required by law in all provinces and territories. Third-party liability protects you in the event that you are responsible for injuring someone on the road or for damaging their property.
Accident benefits: With this, medical and rehabilitation expenses are covered if you’re in an accident. Depending on the policy, a loss of income benefit may also be available if you cannot work due to the collision. (Funeral costs may also be available, if needed.)
Collision: This covers the repair cost of any physical damage to your car, as a result of an accident or a collision with an object on the road.
Comprehensive: With this coverage, you are protected in the event that your car is stolen or damaged by things like falling objects, vandalism or heavy wind.
Uninsured motorist: This coverage kicks in if you are hit either by a driver without insurance or a driver who cannot be identified (hit and run).
Are Vans More or Less Expensive to Insure Than Cars?
Many minivans are actually cheaper to insure than sedans, and there are a couple of reasons for this. First, vans are larger than regular cars and tend to have better safety ratings. Second, minivans are not considered to be high on thieves’ priority lists. This lessens the chances that they’ll be stolen and thus makes insurance companies more confident about insuring them. Use the widget on our site to get a quote for your van insurance today.
Commercial Auto Insurance — Compare The Cheapest Ontario Quotes
Best Commercial Car Insurance Broker
Ontario Commercial Auto Insurance QuotesThinkInsure, has been providing affordable commercial auto insurance coverage for Ontario and Toronto businesses for over 45 years. We are an independent insurance broker who partners with the leading commercial auto insurance companies.
We can offer our customers a wide range of unbiased commercial auto insurance quotes and solutions to meet their needs and budget. Learn about The ThinkInsure Broker Advantage and why we are the best choice to be your commercial auto insurance broker.
We can save your business money : Why go anywhere else when you can save with convenient one-stop shopping for commercial auto insurance? We’ll quickly compare the best quotes to get you the lowest rates. Sound good?
Choose the best coverage for your business : With our large selection of over 40 insurance partners, we’ll make sure you get the best commercial auto coverage for your business needs. Talk with us today about your options.
Expert advice and personal service : We understand that you are busy running your business. This is why we make sure you receive a dedicated broker to make sure your car insurance needs get taken care of in a professional and timely manner.
Worry-free car insurance for businesses : Our team of licensed brokers strives to make commercial car insurance easy and worry-free for our customers. We’ll help you get the best insurance coverage so your business is protected.
Call 1-855-550-5515 and speak to a licensed commercial auto insurance broker or click to request a quote
“ I need my car to visit clients for business meetings. Frank helped me get the proper commercial auto coverage so my business is protected properly. He made the process easy and he got me low rate too! ”
Peter, IT Consultant, Toronto, ON Get A Commercial Auto Insurance Quote
What Is Commercial Auto Insurance Coverage In Ontario?
Many people are unclear about what commercial auto insurance is and how it differs from personal auto insurance. Commercial auto insurance covers vehicles like cars, trucks, vans and trailers that are used for business or working purposes. So whether you have a delivery business in Toronto, are a travelling salesman in Ontario, or are a local retail store that offers deliveries to customers, you will need commercial auto insurance for all the vehicles you use for business, even if it is only occasionally.
Commercial Auto Insurance In Ontario
There are many types of coverage available :
Personal injury or medical coverage
A ThinkInsure licensed broker will be happy to learn about your business and commercial auto insurance needs. We can advise you on the different types of coverage options and help ensure that your business is protected adequately while helping you get the lowest commercial car insurance rates. Save today by getting a commercial auto insurance quote.
Expect Affordable Auto Insurance For Small & Home Businesses
We understand vehicles are crucial element of running successful small or home business. We also know that every dollar saved helps the bottom line. With our large network of insurance partners we can quickly shop and compare quotes from over 40 companies. We’ll get you the best price on commercial auto insurance for your business needs.
We also know that every dollar saved helps the bottom line. Every dollar saved when you run a business is a dollar you can put to good use, and we can help you get the lowest rates for commercial vehicle insurance. With our large network of insurance partners, we can quickly shop and compare quotes from over 40 companies. We’ll get you the best price on commercial auto insurance for your business needs.
Run a small business? Learn more about our selection of small business insurance solutions.
Flexible Commercial Auto Insurance Designed For Your Needs
Businesses need flexibility to succeed. Whether it’s with operations, cash flow, scheduling, and even commercial auto insurance, we know you need flexible solutions. Things change, and they can change at a rapid pace. You may need to make changes to your commercial auto needs – add a driver or a vehicle to your policy, or you may even change your business model and have a greater demand for business auto insurance coverage.
Businesses need flexibility to succeed. Whether it’s with operations, cash flow, scheduling, and even commercial auto insurance, we know you need flexible solutions.
Cheap Commercial Car Insurance
Things change, and they can change at a rapid pace. You may need to make changes to your commercial auto needs – add a driver or a vehicle to your policy, or you may even change your business model and have a greater demand for business auto insurance coverage.
Whenever you need us, we’re here to ensure you get the insurance coverage you need to protect your business – and give you the peace of mind in knowing your business is protected.
Our team of licensed brokers are commercial insurance experts who spend the time to understand our customers’ insurance needs. We want to make sure you get the best coverage for your business so that you and your vehicle are properly insured in the event of an accident or other unforeseen situations.
What Are My Commercial Auto Insurance Coverage Options?
Similar to standard auto insurance coverage, you have options commercial auto insurance. At ThinkInsure, through our partnership with leading commercial auto insurance companies in Ontario, we offer the following :
Bodily Injury Liability Coverage
Property Damage Liability Coverage
Accident Benefits/Medical Payments Coverage
Uninsured/Underinsured Motorist Coverage
Not sure which coverage you need to include in your commercial car insurance policy? Contact our experienced brokers and we will be happy to talk you through the commercial auto insurance quote process.
Do I Need Commercial Car Insurance?
We get a lot of questions about whether or not you need commercial car insurance, especially for self-employed individuals and home-based businesses. Uber has also created a lot of questions about commercial car insurance and ride sharing insurance requirements.
Commercial Vehicle Insurance
Your need for a commercial auto insurance policy largely depends on what you use your vehicle for.
What do you use your vehicle for?
Sales visits and calls
Driving people around (e.g., Uber)
If you use your vehicle for any purpose related to your business operations, then you should explore your commercial auto insurance options. But don’t worry – we can help you with this!
No matter how you use your auto, truck or vehicle for business, we’ll find coverage. We partner with the leading commercial insurance companies in Ontario and Canada, so we have access to many different types of coverage and plans to meet your business insurance needs.
Commercial Car Insurance Vs. Personal Car Insurance – What’s The Difference?
This is a common question we get from customers all the time. If you are unclear about the difference between commercial auto insurance and regular auto insurance, here are some things to think about when deciding which type of policy you need :
How is the vehicle used?
Who owns the vehicle?
Who drives the vehicle?
What is the type and size of the vehicle?
Are you required to have higher business liability limits?
The main difference between commercial auto insurance and personal auto insurance is that business auto insurance is designed for the needs of a business, has more specialized coverage for multiple drivers and tends to have higher liability coverage limits.
Remember that some types of business use could be covered under your personal car insurance policy. But don’t make this determination on your own. Talk with one of our experienced commercial car insurance brokers today!
How Do I Get Commercial Auto Insurance Discounts And Savings?
With our network of over 40 insurance partners, there are many types of insurance discounts and savings programs your business may be eligible for. Our team of expert commercial auto insurance brokers will be sure to ask you the right questions about your business to ensure you get all the discounts and savings that are applicable to your business. We want to help you save your business as much money as we can.
Some types of discounts and savings are :
Multi-policy discount – save with having more than one business policy with a company.
Telematics or usage based insurance discount — save with good driving habits.
Winter tires discount.
Anti-theft device discount.
Implementing risk management practices.