Private Van Insurance
If you own a van that you don’t use for business purposes, then you will be needing private van insurance.
What is a private van?
A private van is one that is only used for social, domestic and pleasure purposes; making it is your everyday vehicle. If you use the van for business purposes, it cannot be classed as a private van.
Do I need private van insurance?
If you own a vehicle in the UK then you need valid motor insurance, whether it’s a car, van or motorcycle. The only exception to this rule is if you SORN your vehicle.
Private van insurance allows you to use your van as a private vehicle, for example as you would with a family car.
What are the different types of private van insurance?
As with car insurance, there are three different types of van insurance;
- Comprehensive – this is the highest level of cover available, insuring you for any damage caused to you, your van or any third party and their vehicle.
- Third party fire and theft – this will cover you for any damage caused by you to any third party or their vehicle, as well as covering you if your van is stolen or damaged by fire.
- Third party only – this is the lowest level of cover available, covering any damage caused to third parties or their vehicles only.
Will private van insurance cover me to use my van for work?
No, private van insurance will only cover you for social and domestic purposes. If you will be using your van for work purposes you will need commercial van insurance.
Should I auto-renew my insurance policy?
Although it can be tempting to allow your insurance to auto-renew, quite often motorists actually end up paying more by doing this; if you’re looking to save money and make sure that you are finding the best deal for your specific needs, comparing quotes on sites such as mustard.co.uk is the way to do so.
How can I get cheap private van insurance?
As with car insurance, many factors such as your personal details, what you use your van for and your driving history all have an impact on the cost of your premium. Take a look at this handy guide to help you find ways to find the best policy for you at the best price.