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MySupermarket Compare is an Introducer Appointed Representative (IAR) of Seopa Ltd (FRN: 313860). Seopa Ltd owns and operates the insurance comparison service.
*51% of consumers could save £668.40 on their Van Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd's insurance comparison website. This is based on representative cost savings from November 2024. The savings you could achieve are dependent on your individual circumstances.
What you'll need to compare van insurance
Your Van Details
Your registration number helps us find your van. Know its value, security features, and your annual mileage.
About You
Basic info like name, age, address, occupation, driving history, and any previous claims.
Usage & Coverage Level
Choose how you use your van (business, social, etc.), your cover type, and your desired policy excess.
What is van insurance?
Van insurance gives you financial protection while driving a van on UK roads. It can help you cover the cost of repair or replacement if your van is damaged in an accident. To stay on the right side of the law, you'll need a minimum of third-party insurance to drive on UK public roads.
This cover can also be tailored to how you use your van. Coverage for commercial or modified vans, and temporary policies are available. This range of options means you only pay for what you need when looking for the most economical van insurance deals.
By comparing multiple quotes, you could save up to £668* on your van insurance with MySupermarket Compare.
What levels of cover are available for van insurance?
Like car insurance, you will have three main types of coverage to choose from when insuring your van. Third-party insurance is often assumed to be the most economical option, but comprehensive policies may offer better value.
Comprehensive van insurance
Fully comprehensive cover protects third parties, their vehicle and property, and also offers financial cover for your van. This means you can get back on the road without delays or financial strain if your van is damaged or written off.
Third party, fire, and theft (TPFT)
This also protects third parties. But it will cover your own van if it is stolen, or damaged or destroyed in a fire.
Third party only (TPO)
This is the minimum level of cover required under UK road law. It only covers damage or harm to other people, their property, and vehicles.
Temporary van insurance
Short-term cover available from one day up to several weeks or months. Ideal if you're borrowing a van or only need coverage for a limited time.
What type of insurance cover do I need for a van?
When comparing quotes, you'll be asked for a class of use. This simply means how you use your van. There are four main usage options that dictate what specialist van insurance you need.
Business van insurance
Vans used for commercial purposes can benefit from business insurance. This provides cover for travelling to a single place of work and can protect any tools and equipment needed for your job. You'll also have the option to insure any driver on the van, to insure multiple vans on one policy, or cover specialist vehicles like catering vans.
Haulage insurance
This covers commercial vans where carrying and transporting goods are the main focus of the business. Couriers and food delivery vans will need haulage insurance as they carry goods for hire or reward. It also typically includes day to day driving and commuting to a permanent place of work.
Social-only insurance
This is also known as private van insurance and covers vans for socialising, pleasure, and domestic use. This is useful if your van is a secondary vehicle that is not needed for commuting or business purposes. It usually focuses on insuring one driver, but you can add additional drivers to the policy too.
Social and commuting insurance
This covers day-to-day driving, as well as travelling to a place of work. It can give you the flexibility you need to use your van as a primary vehicle. Despite common belief, commuting is not always covered as standard. So it's important to make your insurer aware of this class of use.
How much does van insurance cost in the UK?
Data shows that the average quoted price of van insurance in the UK is £575. However, the cost of insurance can look very different depending on your circumstances. For example, young drivers under 25 may face premiums that are over 3.5 times the national average.
Where you live will also impact the cost of your insurance. We've done the research so you can see how much the average driver is paying to insure a van in your area.
| UK Region | Average Cost* |
|---|---|
| London | £1,139.81 |
| North East England | £663.51 |
| West Midlands | £650.25 |
| North West England | £641.00 |
| South East England | £610.65 |
| Northern Ireland | £573.27 |
| East of England | £562.80 |
| Yorkshire | £535.29 |
| Scotland | £530.60 |
| Wales | £486.34 |
| East Midlands | £480.64 |
| South West England | £424.83 |
*Reference – Data from Seopa Ltd, random sample of over 100,000 UK van policies from September – December 2024.
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Van Insurance FAQs
Why is van insurance typically more expensive than car insurance?
Van insurance often costs more due to several factors: Vans often have larger engines and higher mileage (especially commercial use), carry valuable tools/goods increasing claim costs, and have higher repair expenses due to specialized parts. Different theft and accident statistics also contribute.
How does van usage affect insurance premiums?
Usage significantly impacts premiums. Personal use (Social, Domestic & Pleasure) is generally cheaper than commercial use due to typically lower mileage, fewer drivers, and not carrying business goods. You must declare business use if applicable, even alongside personal use, to avoid invalidating your policy.
How can I find the most affordable van insurance for my needs?
Compare quotes from multiple providers (like the 50+ available via our partner). Choose the right cover level (Comprehensive isn't always most expensive). Improve security (approved locks, alarms, secure parking). Consider a higher voluntary excess if affordable. Pay annually to avoid interest. Build your no-claims bonus. Accurately estimate mileage. Consider telematics if suitable.
How do modifications affect van insurance?
Modifications can increase premiums. Performance mods (engine, suspension) suggest higher risk. Aesthetic mods can increase theft appeal and repair costs. Functional mods (racking) might affect handling. Signwriting could potentially lower risk for some insurers. Always declare ALL modifications to avoid invalidating your policy.
What's the difference between business and personal van insurance?
Personal van insurance covers social/leisure use with lower mileage expectations. Business van insurance covers commercial activities (deliveries, travel to multiple sites), expects higher mileage, and can include cover for tools/goods in transit. Using personal insurance for business can void your cover.
Does van insurance cover tools and equipment?
Standard van insurance typically does NOT cover tools/equipment. You usually need specific add-ons like 'Tools in Transit' or 'Goods in Transit' insurance. Some commercial policies might offer limited tool cover, but check limits. Standalone tool insurance is also an option. Ensure any policy covers overnight storage if needed.
How do electric and hybrid vans affect insurance costs?
Currently, electric/hybrid vans often cost more to insure due to higher purchase prices, specialized repair needs, and expensive battery components. However, some insurers offer specialized EV policies, and costs may decrease as they become more common and repair networks expand.
What temporary van insurance options are available?
Temporary van insurance offers short-term cover (1 hour to several weeks/months) ideal for borrowing a van, test drives, moving house, or seasonal business use. Options can include commercial use and European cover. It's usually more expensive per day than annual cover but useful for specific short durations.
Can I get no deposit van insurance?
True 'no deposit' is rare. It usually means the annual premium is split into 12 equal monthly payments (often with added interest/fees) or the first payment is slightly delayed. Paying annually is typically cheaper overall. Compare total costs if considering monthly payments.
What people have to say about the service
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Philip
Milton Keynes, United Kingdom
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Trevor
Keighley, United Kingdom
MySupermarket Compare is an Introducer Appointed Representative (IAR) of Seopa Ltd (FRN: 313860). Seopa Ltd owns and operates the insurance comparison service.
*51% of consumers could save £668.40 on their Van Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd's insurance comparison website. This is based on representative cost savings from November 2024. The savings you could achieve are dependent on your individual circumstances.