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Compare multi van insurance

Multi van insurance can be an essential component to the smooth running of your delivery businesses

For van drivers that drive just one vehicle then it is probably the case that they could have a single vehicle policy that could cover them to drive on UK roads. However, for those business owners that run more than one van for business purposes it could be worthwhile in comparing the differences a multi van insurance policy could bring. A multi van insurance policy could provide cheaper premiums and it could be much more convenient for to have a single policy that covers multiple vehicles rather than individual policies for each one.

This approach could help business owners to keep track of their insurance and only having one renewal date each year rather than several if insuring vehicles on their own. It could be useful to compare multi van insurance to find out if this could be the right solution. Each business may have individual needs that could be included in the policy but it may be best to compare multi van insurance first in order to find out if things could be made easier.

Cheap multi van insurance could be possible depending on the business requirements and the nature of driving as well as the driving history of those using the vehicles. Providing the information up front could be the best way to get an accurate quote for multi van insurance. Using a comparison could give businesses the added benefit of having all the relevant information in one place and the ability to compare costs more easily. For those short on time only entering the details once online could be much preferred rather than going through insurers one by one.

A comparison service may return a range of quotes which could be tailored to different business needs. A multi van policy could allow more flexibility, especially when adding or removing vehicles from a van fleet.

What is multi van insurance?

Multi van insurance is essentially a fleet insurance policy that offers you differing levels of coverage for your fleet. These levels of coverage can vary but there are typically three main types of coverage on offer in the UK:

  • Third party only (TPO) – This is the minimum level of cover you must have by law in the UK if you drive vehicles on public roads. It covers the cost of damage done to other vehicles, people and their property in the event of an accident but won’t pay to fix any damage to your vehicles or your property.
  • Third party, fire and theft (TPFT) – This includes TPO and also covers the cost if your vehicles are damaged by fire or are stolen.
  • Comprehensive –   This gives you TPFT and also pays for damage done to your vehicles if they’re in an accident. Some policies will also include windscreen cover and pay to replace your belongings. This is usually the most expensive type of fleet insurance policy you can buy due to its superior coverage.

The level of cover you select will naturally impact the amount you can expect to pay on your premiums as the more comprehensive your policy, the greater amount you’ll pay. 

So if you’re a business owner looking to insure your fleet of vans or even if you’re a private owner, having a comprehensive fleet insurance policy can be essential. Fleet insurance doesn’t just save you time, it can make your business admin less of a chore. Having all your vehicles on a single policy means you only have one insurer to deal with, one renewal date to remember and one premium to pay.

How much does multi van insurance cost?

Many might assume that fleet insurance premiums will be more expensive than insuring each fleet vehicle individually due to the convenience. Many fleet policies can ultimately end up saving you money as most insurers will offer a discount for each additional vehicle you add to the fleet insurance policy. 

The exact amount that you can expect to pay for your fleet insurance really comes down to factors which are unique to you. Factors such as the size of your fleet, the type of vans you wish insure and the level of coverage you wish to opt for all play an obvious role however there are other more unique factors at play. These include the areas where you will be operating as well as where your vehicles will be parked when not in use.

In addition, the price difference between third party and fully-comp van insurance can sometimes be close to zero, since many insurance providers do take into account the fact that third-party cover has historically been favoured by drivers with weaker driving records. This can also extend to fleet insurance as some smaller operators who are riskier to insure tend to opt for third party cover. That’s why it’s a good idea to compare quotes for all three levels of cover and then opt for the policy that offers the most comprehensive coverage at the most competitive price.

The best way of getting a clear idea over how much your fleet insurance will cost is to compare multiple quotes from differing lenders. This will give you a clearer picture of insurance prices across the UK market as well as which lenders offer you the most value for money.

How can I get cheaper multi van insurance?

The easiest way of getting cheaper multi van insurance is to simply compare multiple quotes from differing lenders. The difference between the most expensive and cheapest fleet insurance policies on the market can sometimes be as great as 1000%. By comparing multiple lenders you increase your chances of finding cheap multi van insurance.

Aside from this there are also some practical steps you can take to reduce the price of your policy:

  • Insuring named drivers rather than opting for an ‘any driver’ policy – If your operating as a commercial fleet, ‘Any driver’ fleet insurance policies offer a lot more flexibility, but they’re also riskier from an insurer’s point of view which means the premium will be higher.
  • Only insuring drivers that are over the age of 25 – Putting Younger drivers on your fleet insurance policy will almost certainly push your premiums up. This is due to younger drivers being viewed as a greater risk as a result of less driving experience. Data from Brake, the road safety charity, has revealed that drivers under the age of 20 are 33% more likely to be killed in a car accident than someone in their 40s or 50s.
  • Only insuring drivers that have clean driving records – It probably goes without saying that riskier drivers are likely to increase the cost of your fleet insurance. Making a claim is the easiest way to dramatically push up you premiums in a single instance. 
  • Paying for your fleet insurance annually rather than monthly – Monthly payment plans tend to incur interest and admin fees, which means you’ll pay more for your fleet insurance if you opt to pay month
  • Employ experienced drivers that have a clean driving history – Insurers can raise premiums if they believe the employees operating your insured fleet vehicles are higher risk. This will be reflected in previous driving convictions and penalty points.
  • Avoid modifications – Quotezone.co.uk has found that modifying your fleet vehicles can push up your premiums considerably.
  • Avoid branding – Branding on your fleet vehicles can be classed as a modification by some insurers and may even void your insurance if not properly declared. Data from Quotezone.co.uk has revealed that vehicles with additional signage and branding can change a vehicles risk profile in the eyes of insurers. To find out more follow our article on how branding could void insurance.
  • Don’t let your policy auto-renew – Although it may be convenient, our data shows there is virtually no additional benefit to letting your fleet insurance simply auto-renew. Even though a new law passed in January 2022 forces insurers to offer all eligible customers the same deals, we found that your chances of finding cheaper policies almost always increase when comparing multiple providers.
  • Keep your vehicles in a secure location – This may seem obvious, but the more secure your fleet is when not in use the cheaper your premiums will be. Having the vehicles of your fleet behind closed fencing or even better with enclosed hangar installations can dramatically reduce instances of theft and break in. 

What our experts say:

Greg Wilson, Founder of Quotezone.co.uk“Many new van owners might not know signage can be viewed as a modification, so it’s worth checking how their insurer views any branding on the vehicle to ensure they’re correctly declaring everything they’re required to declare” – Greg Wilson, Founder of Quotezone.co.uk.

Can I add multiple vehicle types to a fleet insurance policy?

In short the answer is yes, many people believe they need to have only one vehicle type per fleer insurance policy. This however couldn’t be further from the truth, as most insurers understand that fleets comprise a mixture of different vehicle types.

Your premiums will naturally be impacted by what vehicles are included in your fleet, as some will be more valuable than others. If your fleet mostly consists of delivery bikes, this will likely cost you less to insure than a fleet which is mostly vans for example. This of course depends on all other factors influencing your premium being the equal.

Speak with your insurer directly to see what options are available to you and always compare multiple quotes from different lenders before making a decision.

What kind of add-ons should I think about for my multi van insurance?

What type of add-ons can I include with my fleet insurance policy?

You’ll be able to add on other types of insurance coverage to your multi van policy, this will give your fleet the extra protection it needs in tricky situations. Here are examples of common add-ons that many fleets include with their coverage:

  • Breakdown cover – Not typically included as standard on fleet policies but can prove invaluable if one of your drivers needs roadside assistance.
  • Goods in transit insurance (GIT) – This covers any goods you’re transporting that meet your insurers criteria.
  • Carriage of own goods – This Insures tools or equipment you own while in transit. This sometimes falls under GIT insurance but isn’t always automatically included. If you need it, it’s vital to check that it’s part of your GIT policy before making a purchase.
  • Hire and reward – If you transport other people for money then you’ll need this type of insurance.
  • Employers’ liability – In the UK, you’ll need this by law if you have any employees. It pays the costs if a member of staff becomes ill or is injured because of work. If you employ staff without this type of insurance you could be fined £2,500 for every day you go without it. Employers liability insurance is usually set up when you start operating your business, however if your fleet is new you can have this added to your policy.
  • Public liability – This pays legal fees and compensation if a member of the public has an accident or has their property damaged and blames your business.
  • Personal effects cover – This covers any personal possessions that are stolen or damaged from your vehicle.
  • Legal expenses cover – This pays legal fees if you need to go to court.
  • Replacement locks – In case vehicle keys are lost or stolen, this will cover the cost of installing replacement locks.
  • Trailer cover – This covers you to tow trailers depending on what you have (like a horse box, boat trailer or a flatbed).