Compare cheap van
insurance quotes

from the UK’s leading insurance providers

Compare cheap van insurance across personal plans and business cover, for all types of vans. Whether you need to insure your panel van, a pick-up truck, a minibus or an ice cream van, mustard.co.uk will find you low cost cover.
And for peace of mind, we have a cheapest price guarantee.

Jump to section

  • Van insurance explained
  • Types of van insurance
  • What affects the price
  • Tips to reduce your premium
  • Van insurance groups
  • Is my van insured?
  • No deposit van insurance
  • Adding a named driver
  • > All FAQs
  • > Useful articles
  • > Customer reviews

Jump to section

  • Van insurance explained
  • Types of van insurance
  • What affects the price
  • Tips to reduce your premium
  • Van insurance groups
  • Is my van insured?
  • No deposit van insurance
  • Adding a named driver
  • > All FAQs
  • > Useful articles
  • > Customer reviews

Why compare van insurance?

Comparing quotes before renewing your policy is the best way to ensure you get cheap van insurance. You could save hundreds by running a quick comparison – mustard.co.uk has over 50 leading insurance brands on our panel, so you can compare a range of policy types at the touch of a button and find the deal that suits you.

Whether you need commercial van insurance for your day-to-day business, short-term insurance for transporting large items, or perhaps you only require private van insurance – whatever the circumstances, let mustard.co.uk compare quotes today, so you can select the right policy that suits your needs.

For more specialist insurance information, click the links below:

Simply complete one quote form (it takes less than 5 minutes) and we do the rest! Because our panel has a huge range of top providers in one place, we’ll search the best deals available, so you can compare and buy with confidence.

Van insurance advice and FAQs

What is van insurance?

Van insurance is a type of cover built to protect you and your property when driving a van. It is similar to car insurance, but insures a larger type of vehicle which is usually classed as N1 or N2 in your vehicle logbook. Insurers don’t always agree on what is classed as a van and the expansion of the small delivery vehicle market complicates this issue.

Compare policies to secure the best deals, whether you do trade work or freelance as a delivery driver. You can even get a quote over the phone – ideal if you have a grey-area vehicle like a minibus. With mustard.co.uk it’s easy to tailor your cover by use type or excess.

Van insurance is a legal requirement, but great cover can also help commercial van drivers to safeguard their livelihood. Extra features, like courtesy vans, mean you’ll never miss a job.

In the UK, there are different age restrictions for driving a van, read mustard’s guide, to ensure you understand the legal ins and outs.

What are the types of van insurance?

Vans come with different insurance rules to cars and it is important to select the correct class of use for your policy.

If you use your van for activities like domestic gardening or sport, a social, domestic and pleasure policy will keep you covered.

If you use your van for commercial reasons, you’ll need business use insurance – even if you only take on the occasional delivery. Unlike car insurance, van cover for social, domestic and pleasure use only covers commuting to a single place of work. This means you’ll need commercial cover if you work at multiple locations.

Insurance is a legal must, but basic cover may not be the best fit for your needs. A great policy can be used to protect your livelihood or the goods you’re transporting.

Short-term van insurance

Borrowing a van for the dreaded house move? Or, maybe you’re using an extra vehicle to manage a surge in demand for deliveries. Temporary van insurance allows you to be flexible and stay on the right side of the law, whether you’re transporting your teenager to their student digs or setting up a gig.

Compare short term van insurance in a few quick minutes to get the right cover, when you need it.

Modified van insurance

Modified van insurance is a specialist type of cover, designed for vehicles that have shapeshifted for specialised purposes. Perhaps you’ve converted your van into a mobile home or simply added a surf rack. Either way, you’ll need modified van insurance.

Van modifications include cosmetic changes – like new spoilers – as well as racking and storage added to the outside. Adding or removing seats or windows counts as a modification, as does altering the power supplies, switching to alloy wheels or upgrading your entertainment system.

From ice cream vans to mobile dog grooming vans, any specialist twists should be declared to your insurer.

Is your van part of a big plan? Get covered with cheap van insurance for modified vans and American vehicles – get a quote for specialist insurance over the phone.

Why is van insurance expensive?

Drivers new to vans and younger drivers, are often surprised by the cost of insuring a van. Irrespective of who you are, it pays to search for the best deals available.

So why are vans so expensive to insure? Well it comes down to risk. Vans generally have poorer visibility on account of their lack of windows, they are larger and so harder to drive and can carry a large load which is likely to be more valuable than that carried by cars. Larger vans also tend to have larger engines which make them seen as higher risk by insurers.

Understanding what affects the cost of van insurance can also help to keep your costs down, all these factors can make a difference to the cost of insuring your van:

  • Mileage
  • Engine size
  • Make / model
  • Driver experience
  • What is the van used for
  • Location kept

It can be a tad confusing when investigating van insurance if you are not used to it.

First of all, it’s worth getting the terminology used in van insurance cleared up, we have summed this up for you in our van insurance terms explained page. 

Then there are the vehicle types, set out in our different types of van explained page.

Finally, check out our insurance page business van insurance, for all your questions answered about van policies for commercial use.

How to get cheap van insurance?

A van insurance policy is generally more expensive than a car insurance policy, because vans cover more miles and often come with larger engines. Finding cheap van insurance is possible – but you need to search smart.

Many people think third-party insurance is cheaper than comprehensive policies, but this is rarely the case today. In fact, the cost of comprehensive van insurance can be significantly cheaper. This means it often pays to choose a comprehensive policy to protect your van.

There are other ways to save on the cost of your cover – like increasing your voluntary excess, adding security features to deter thieves and membership of a recognised trade association.

To get you the best price on your van insurance, we have compiled our top tips on how to get the cheapest van insurance quotes:

What affects the price?

Insurance costs are shaped by factors like your age, claim history and the size of your van’s engine.

Insurers take details like your industry and age, then use statistics to estimate the risk of a claim. The way each insurer interprets the details can be very different, though. To get cheap van insurance quotes, it is always a good idea to compare the prices from lots of different providers, as they are calculated in different ways from insurer to insurer.

As a van driver, your mileage will play a big role in shaping your quote, since spending a long time on the road increases your risk of being in a collision. Ensure your insurance is valid by accurately calculating your average weekly, monthly and annual mileage.

While important extras – like goods-in-transit insurance – can increase the cost of insurance, remember, the cheapest van insurance will not always give you the protection and peace of mind you need.

Can I pay monthly for van insurance?

Paying monthly for van insurance is becoming a common way to arrange your finances, since spreading the cost helps you to manage your regular outgoings.

This can help you to balance insurance payments with other business overheads – like rent, tax and wages. You can arrange to pay by direct debit, so there’s no need to worry about missing payments.

The main benefit of paying monthly for van insurance is that you won’t need to fork out for a lump sum, but paying monthly can make your insurance slightly more expensive than paying annually. It is a good idea to keep a record of your van insurance renewal date so you don’t forget to compare great deals.

Get a quote with mustard.co.uk and we’ll email you when the date approaches – it’s a service we run so hardworking traders can focus on the job.

Ways to reduce your van insurance premium

A personal question but an important one nonetheless! Do you need a long wheel base van? The smaller your van, the cheaper your premium, If you can use a smaller sized van or a van with a smaller engine, it should save you money.

If you fit an approved security device to your van, like an immobiliser or tracking device, you could see your premium drop.

  • Modifications

A general rule with motor insurance is modifications are bad and will push the cost of your premium up. This is because they push the price of the van up and are usually more expensive to replace. If you don’t need to modify you van, don’t! This does not apply to advertising or wraps on your van if you use your van for business.

Some insurers consider signwriting to be a postive feature that makes your van easy to identify and therefore a deterrent to thieves. Check with the individual insurer, but it could lower your premium.

  • Mileage

You pay more if you drive more miles, so make sure you are both realistic and accurate when declaring how many miles you drive.

There are two forms of excess, the first is complusory excess which is a set fee outlined by your insurer. The second is a voluntary excess, an amount you agree to pay in the event of making a claim. The higher your voluntary excess, the lower your insurance premium., but you must be able to afford to pay the excess in the event of a claim.

A bit of an obvious one, but a clean driving licence will mean you are a lower risk to insurers, and you will pay less for your insurance. You can check your driving history at gov.uk.

The more years no claims discount you have built-up, the cheaper your insurance should be. So if you can drive like a saint and avoid making a claim, it’s a sure fire way of lowering your van insurane premium. Always think about any claim, if it’s a small claim where you were at fault, it might be worth paying for repairs yourself and maintaining your no claims discount. You can protect your no claims discount, sometimes called no claims bonus, but it will drive up the cost of your premium.

  • Parking

Where you park your van has a big impact on premiums. Parking off the road, in a garage or driveway will reduce your premium. Remember, if you leave anything valuable, especially tools, in your van then you should definitely consider contents insurance. It may not reduce your premium but could save you money in the long run.

  • Additional drivers

Adding a named driver with points on their licence and/or who is under 25 years old, will increase your insurance premium.

  • Fleet insurance

If you have more than one van, you should consider fleet insurance. As well as combining policies into a single one (less hassle and less paperwork) you will ususally get a fleet policy for multiple vans cheaper than if they were insured individually.

How does insurance group affect van insurance?

A van’s insurance group is an important classification for insurance quotes – the lower the group, the cheaper insurance will be. Insurance groups are calculated similarly for vans and cars, but weight is an added factor since heavier vans are harder to control. Learn about your van’s insurance group with our handy guide.

Can I drive a van on my car insurance?

If you are looking to drive a van for personal use under your current car insurance, some providers will cover you if you have a fully comprehensive policy, but you need to check the policy or contact the provider.

With an ever increasing range of vehicle types being produced, it may be worth checking whether your vehicle is classified as a car or a van, we have put together when does a car become a van guide to help.

If you are hiring a van, say when moving house, then most van hire companies will include insurance in the daily hire charge but always check that it is included.

If you are looking to use a van for your business, then you will likely need a commercial van policy. There several different types, which cover different uses and van classifications, to find out more, check out our van insurance guides

How is a campervan classed for insurance purposes?

Purpose-built campervans sit in their own insurance category, as do larger motorhomes – so they should not be insured as vans. Modified vans are sometimes still classed as vans, though, so DIY campervan conversions may require van insurance.

Find out more about campervan insurance here.

Is my van insured?

It’s worth keeping your insurance details to hand as driving a van without insurance is a criminal offence, which can result in fines and prosecution, so make sure that your van is insured at all times. 

If you cannot find your insurance paperwork or emails, thankfully, it is very easy to find out whether your van is insured by using Ask MID (Motor Insurance Database). You simply type in your number plate to see if it is insured. Learn more here.

Who is my van insured with?

Need to know who you are insured with? First, try checking your bank statements for a payment or your email inbox for policy confirmation details.

If that doesn’t turn up the goods, you can turn to the Motor Insurance Database. They can tell you if your vehicle is covered by an insurance policy, but if you want the full details, you’ll need to download a form from MID and submit a request to retrieve your van insurance history. There is a small fee for this service (currently £5). 

How much is van insurance?

The cost of van insurance varies considerably depending on many factors including; the age of the driver, type of cover, make, model and usage (as discussed in our “Why is can insurance so expensive?” FAQ). 

Because costs vary so much, average costs are often misleading, so with van insurance, it’s always best to compare quotes for your own circumstances. At mustard.co.uk we have over 50 van insurance providers and brokers on our panel, complete our simple online form, and we can do the comparison for you in a matter of minutes.

If you need information on what van insurance is, how it differs from car insurance and the different types available, check our Van insurance guides.

What is no deposit van insurance?

No deposit van insurance is essentially just another way to describe paying for cover in instalments. It’s also sometimes called low deposit van insurance. 

In truth, the term ‘no deposit’ is a little misleading because you still need to pay something before your policy can start. 

It’s similar in the sense that you’ll be paying for cover each month but the payment structure is slightly different compared to a typical policy:

  • No or low deposit van insurance — splits the cost of the policy into 12 equal monthly payments. 
  • Standard van insurance paid monthly — the first month’s instalment is usually higher (around 20% of the total cost) with the remaining payment split equally over the rest of the year. 

You should bear in mind that either way, paying for cover in instalments will cost you more compared to paying in one lump sum. That’s because you’ll pay monthly interest for the privilege of spreading the cost.

Why choose no deposit van insurance?

No deposit van insurance is appealing if you don’t have enough cash to pay for the whole policy upfront. Plus, because the cost is split equally, you won’t need to worry about forking out a bit more for the first month’s payment. 

With that in mind, these types of policy can be handy if you’re a young driver without access to savings or if you’re a start-up business that needs to watch the pennies. That said — remember that monthly payments will cost you more compared to paying for your policy in one go. 

You can search for no deposit van insurance right here at mustard.co.uk — it’s easy and quick. Simply fill in our online form and compare quotes from a range of leading UK insurers. If you prefer to discuss your options, you can speak to an expert on 0330 022 8814.

 

 

What to consider when adding a named driver to your van insurance

How much does it cost to add another driver to my van insurance policy?

Adding a new driver to your insurance policy is fairly straightforward but obviously, it will cost extra to do so.

First, insurers will normally charge an administration fee, usually around £30, to add an extra driver.

On top of that, your premium may increase as well, depending on the risk profile of your extra named driver.

If the new driver is an 18-year-old with zero No Claims Bonus (NCB) and three-points on their licence, your premium will increase, as you’d expect.

It all depends on their driving history because somebody else, a more experienced, older driver, could in fact lower the cost of your insurance.

Firstly, gather all the details about the driver to be added:

  • These will be the basics including; name, age, marital status, address, occupation
  • The insurer will also need their driving licence details and information about any accidents or motoring convictions

Important things to remember when adding a named driver

  • Age matters – The younger the driver you are adding, the more expensive your policy is likely to be.
  • 25 is the magic number – Drivers under the age of 25 usually cost a lot more to insure than somebody over the age of 25.
  • Convictions matter – If the named driver you are adding has any motoring or unspent criminal convictions, it will make your insurance policy more expensive.
  • Your NCB is at risk – If the named driver is involved in a claim, it is the policyholder that puts their NCB at risk.

How do I add a named driver to my van insurance policy?

You need to inform your insurer that you wish to add another driver, they will then ask for some details about the new driver, at this point you will receive quotes for the updated policy and if you wish to continue you will need to pay an administration fee.

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