Electric Van Insurance

Insuring an Electric Van

A growing number of van manufacturers are introducing fully-electric versions of their most popular van models, which means electric vans are becoming more popular with van drivers in the UK too.

Not only can electric vans help these drivers save money on petrol or diesel, but many are also exempt from congestion charges, Ultra-Low Emission Zone Charges and Clean Air Zone charges that are being introduced by many cities throughout the UK.

If you own an electric van, you could find a cheaper electric van insurance policy by using our insurance comparison service to compare quotes from up to 50 different providers.

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What type of electric van insurance do I need?

As with electric car insurance, electric van drivers have three levels of cover to choose from:

• Third Party
• Third Party, Fire and Theft
• Fully Comprehensive Insurance

Third party insurance is the minimum level of cover required under UK law, so you would think that would mean it would be the cheapest electric van insurance policy.

However, the price difference between third party and fully-comprehensive insurance can sometimes be negligible, which is 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.

It is also important to bear in mind that if you do opt for third party cover and you’re involved in an accident that was your own fault then your insurance would only cover the cost of damage to the other driver’s vehicle, which would mean you’d have to cover the cost of repairing or replacing your own electric van yourself.

Does electric van insurance cover the battery?

Yes, if you insure an electric van and the battery is damaged during an accident this will usually be covered by your insurance policy, although it’s important to bear in mind that if you lease your battery from the van manufacturer then you won’t actually receive the payout for the battery portion of the insurance claim yourself, as it would go to the manufacturer.

If you own the electric battery as well as the electric van then you should receive both portions of the insurance claim yourself.

How can I find cheaper insurance for my electric van?

Firstly, you should use an insurance comparison service like Quotezone each time your policy is up for renewal, because renewal quotes are often less competitive than the price you’d be offered by a new insurance provider.

Beyond that, the following steps could help reduce the cost of your electric van insurance policy:

• Parking your van off the road: Vehicles that are parked on the roadside have a higher risk of being damaged by a passing motor, targeted by vandals or stolen by thieves, so if you’re able to park in a garage or on a private driveway this could result in cheaper van insurance quotes.
• Installing additional security features: If your electric van didn’t come with a manufacturer-installed alarm or engine immobiliser then installing these additional security features could lower the cost of your insurance a little.
• Paying for the full year upfront: Your insurance will usually cost a little more if you opt for a monthly policy, so you could save a bit of cash if you pay for the full year upfront.