1. Home
  2. Insurance Hub
  3. Van Insurance
Published 19 December 2022
Reading Time
5 minutes

Compare Van Insurance

Compare the different types of van cover and learn what’s typically covered by a policy.

Many or all of the products and brands we promote and feature including our ‘Partner Spotlights’ are from our partners who compensate us. However, this does not influence our editorial opinion found in articles, reviews and our ‘Best’ tables. Our opinion is our own. Read more on our methodology here.

Do I need van insurance?

Anyone who drives a vehicle is legally obliged to have insurance against the risk of causing damage or injury to another driver, when using that vehicle. Insurance also covers the driver themselves. Anyone caught without insurance runs the risk of court action, a criminal prosecution and a ban from the road.

Therefore, if you’re driving a vehicle you need insurance, and if you’re driving a van then it might benefit you to go for specific van insurance. If you use a van only for social reasons, then private van insurance might suffice. This would cover taking the vehicle on holiday, doing shopping, and hobbies.

However, if you drive a van to work but do not use it for work purposes, you might still need business van insurance, as there is no specific social, domestic, leisure and commuting policy for vans.

Nerdwallet Logo Partner Spotlight

Compare Van Insurance

NerdWallet has partnered with Quotezone. Compare quotes from the UK’s top insurers, including:


This insurance quote service is powered by Quotezone. The data you supply and submit is collected directly by Quotezone who are responsible for the handling and processing of that data. By using their quote system you are agreeing to their terms and conditions and privacy policy which can be found at

What are the different types of van insurance?

As with cars, there are the more general types of specific insurance, such as:

One of the growing trends in van insurance is telematics,; whereupon drivers are traced on their journeys via a black box or mobile phone app that provides a detailed analysis of their driving habits. This is then relayed back to the insurer and can then be used to calculate premiums for the rest of the insurance term. It therefore encourages careful driving as an incentive for lower prices.

Car drivers do not generally have a specific insurance bracket that covers the contents of their vehicles, while this could be vital for a van driver. There are generally four types of specific van insurance that cover this to varying degrees: standard (business), goods in transit (see below), courier and pickup truck.

Standard van insurance can cover anyone who uses a van as part of their day-to-day job, such as a tradesperson or delivery driver, as well as the contents of the van.

Does it matter what I’m carrying in my van?

Yes. Anyone carrying anything precious, dangerous or hazardous should opt for ‘goods in transit’ cover, as it offers assistance if such objects are damaged or lost in transit. Alternatively, if these products are being delivered to someone else such as a customer, a courier insurance will cover those contents – and of course the driver themselves.

Do I need business van insurance?

Not if the only driving you do is commuting to and from work.

There are various business use classes, to cover anything from driving to multiple places of work and also covering your spouse, to delivery of light goods, through to occupations such as taxi driving or courier services.

Van Insurance FAQs

Does it matter if I have a passenger in my van?

Third party and comprehensive insurance generally covers any passengers in your vehicle.

What will affect my van insurance premium costs?

As with cars and motorbikes, premiums will be higher for drivers who are less experienced and have a poor driving record regarding accidents and traffic crimes. Health, age, profession and other factors could also play a part.

However, there are more specific issues to van insurance. Generally, cars are only driven by one or two people, but a van at an SME (small and medium sized enterprises) could be driven by several people, each with different experiences and driving histories. They might be using the same vehicle for very different types of jobs. The type of vehicle itself and its dimensions and engine size, as well as its age, could also be a factor.

Mileage should also be taken into account: a delivery driver, rep, or construction worker might travel tens of thousands of miles a year, and a vehicle might be parked in different depots, driveways and garages across the country or Europe.

Therefore, it can therefore be very complex to work out an insurance premium for an SME – and in that regard contacting the insurer themselves to make sure they are fully covered would be a wise option for the driver/HR department. Using price comparison sites can give you a good starting point.

What else do I need to know about van insurance?
  • When taking out insurance make sure you check the conditions to establish that there are no specific omissions that will affect your type of usage. For example, if you visit the continent.
  • Immobilisers, alarms and other security measures will drive down prices.
  • Before buying a van and investigating insurance make sure that your licence covers you to drive your intended vehicle. Vans weighing less than 3,500kg with a maximum of nine seats are covered by a standard driving licence, but to drive anything bigger you would need a C1 licence.
  • Advanced van driving courses can help drive down insurance costs.

Latest articles

What is Business Car Insurance and When Do You Need It?

What is Business Car Insurance and When Do You Need It?

From running a simple business errand to going to multiple meetings in different locations, there are a number of common work situations where you need business car insurance to be adequately covered. Read on to find out what business car insurance is and whether you need it.

Should I Lease or Buy a Car?

Should I Lease or Buy a Car?

Leasing a car can be a flexible way to drive a car and upgrade to different models every few years. However, you won’t ever be the owner of the car, unlike if you buy it outright. Read on to see if leasing or buying a car is most suitable for you.

Personal contract hire: How does leasing a car work?

Personal contract hire: How does leasing a car work?

Personal contract hire (PCH), also known as leasing, is one option for someone looking to get a new car. You make monthly payments to use the vehicle but have to give it back at the end of the term.

Back To Top