Van Insurance
Tool theft remains high
Last Updated: 20 June 2025 Read time: 6 minutes Written by: Katie GawleyHead of Insurance PR Reviewed by: Greg Wilson…
Read full guide : Tool theft remains highVan Insurance
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What is van insurance?
This insurance gives you financial protection while driving a van on the 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. Cover 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 cheapest van insurance deals.
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We search up to 60 van insurance providers to save you time and money
What levels of cover are available when insuring a van?
Like car insurance, you will have three main types of coverage to choose from when insuring your van. Each level of coverage gives financial support for different circumstances. Third-party insurance is often assumed to be the cheapest option. But this is rarely the case. Some comprehensive insurance policies can now cost 60% less than third-party-only options.
Third-party insurance
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.
Third-party, fire, and theft insurance
This also protects third parties. But it will cover your own van if it is stolen, or damaged or destroyed in a fire.
Comprehensive 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 as a total loss.
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 or pickup truck. 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.
What does van insurance cover?
This depends on the type of cover you choose on your policy. Even the minimum third-party policies cover claims made against you. But with comprehensive insurance, you also get financial protection if your van is damaged, stolen or written off.
Additional coverage can also be included as add-ons. Popular extras added to insurance policies are:
- Breakdown cover
- Courtesy van
- Tools and equipment
- Personal injury
- Additional driver
- Medical expense
- Legal costs
How much does van insurance cost in the UK?
Our latest Quotezone data shows 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, when we look at the average cost for young drivers under 25, premiums jump to £2,026. That’s over 3 and a half 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 insuring a van |
|---|---|
| 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 Quotezone, this data uses a random sample of over 100,000 UK van policies from September – December 2024.
Why is van insurance so expensive?
The number of claims on insurance policies has been on the rise since 2023. This is partly because of more extreme weather conditions, and a serious spike in pothole damages.
On top of this, the expense of repairs, van parts, and cost of labour has gone up. These costs have forced insurers to raise van premiums to recover their losses.
So it’s more important than ever to shop around for cheap insurance for a van. You could save up to £668* when you compare van insurance quotes at Quotezone today.
What determines the cost of insuring a van?
So it’s more important than ever to shop around for cheap insurance for a van. You could save up to £668* when you compare van insurance quotes at Quotezone today.
Age
Drivers under 20 are 33% more likely to be fatally wounded in an accident**. So young van drivers often pay more for cover. If older drivers have a good no-claims history they could get cheaper quotes with a no-claims bonus.
Your occupation
Jobs that require more time on the road can increase your insurance premium. Having a higher annual mileage, and driving at peak times could mean you are at more risk of being involved in an accident.
Your location
The rate of road accidents, congestion and crime rates in your area all affect the risk to your van. This could be balanced out by parking on a driveway or in a garage. Secure parking can protect your van from opportunist thieves and damage from passing traffic on public roads.
Your driving record
Convicted van drivers or drivers with a track record of risky driving, penalty points, and fines will be a greater risk to insure. Our research shows that three penalty points can increase your insurance premium by 5%, and six points can increase it by 25%.
Your claims history
A history of insurance claims could indicate that you are a risky driver, and more likely to claim in the future. Completing an advanced driving course could offset this and earn discounts with some van insurers.
Your medical history
Some medical conditions increase your chances of being involved in an accident and will be reflected in the cost of your policy. More serious conditions need to be declared to the DVLA. But you should also keep an eye on medications and more subtle conditions like hay fever that can affect your driving.
No claims discount
Our policy data reveals that over three million UK drivers could benefit from no-claims discounts. In some cases, a well-established no-claims history could save you up to 60% or 70% on insurance premiums.
The provider and policy you choose
Each insurer that provides van coverage will weigh up your risk profile in a different way. Some even specialise in particular drivers or policies, for example, black box policies, so offer lower premiums than others. This is why doing an extensive van insurance comparison before you buy is so important.
What details do I need to get a cheap van insurance quote?
Van registration number and details
With your van’s registration number, we can automatically find an exact make and model. Without it, we will ask for the van’s make, model, year, and engine size.
Other details include how you use the van, the van’s value, body type, number of seats and any modifications that have been made to the van.
Personal details
These personal details demonstrate your risk level, so affect your quotes. Details we will ask for include your age, occupation, location, marital status, and number of children.
Your annual mileage, access to other vehicles, driving history, and no claims discount are also relevant. As well as any disabilities and medical needs you have.
Type of cover
You will need to specify which of the three types of coverage you want on your van policy. Details like your excess, payment terms and additional coverage will follow these.
The main coverage options include comprehensive insurance, third-party, theft and fire insurance, or third-party-only insurance.
Is it possible to get cheap van insurance with no deposit?
Cheaper insurance naturally comes with cheaper deposits. To find a no-deposit van insurance deal, look for a provider that offers monthly payments split into 12 equal amounts. Some ‘no deposit’ policies do not require immediate payment. However, the first payment is usually charged a few days later. So it might not offer the financial flexibility you need.
Van insurance FAQs
Why is van insurance more expensive than car insurance?
Will my van cover be cheaper if I’m using it for private use?
Which insurer will offer me the cheapest van protection?
Does insurance cost more if the van has been modified?
Will opting for black box mean I’m offered cheaper insurance for my van?
How can I find low cost van insurance?
Do electric vans cost more to insure?
Can I get temporary van insurance?
Page last reviewed on 2nd April 2025 by Greg Wilson.
Meet Our Expert
Greg Wilson, CEO and trusted motor insurance expert, launched the pioneering insurance comparison platform Quotezone.co.uk in 2005 – quickly becoming one of the UK’s leading price comparison websites for the car and van insurance market. Trusted by national and local media throughout the UK for his expert financial commentary – Greg is an authoritative figure on van insurance.
Greg Wilson
Founder of Quotezone
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*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.