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Van Insurance Explained
Just like car insurance, van insurance is a legal requirement to drive in the UK. There are some big differences from car insurance, especially if you use your vehicle for commercial purposes. You can get van insurance for business purposes or for private use so it’s important that you have the correct level of cover to protect your van.
Many van drivers are still unaware that there are many different levels of van insurance. They run the risk of having their claims made invalid, as insurers will not protect them if they are using the van for use which is not accounted for in their insurance policy.
Whether you need van insurance for couriers work, or for a family camper, it is vital that your policy reflects your needs. This will give you the peace of mind that if anything happens to your vehicle on the road you will have the right level of protection.
Types of Van Insurance
Private Van insurance
Private van insurance is a type of insurance policy that will protect you when driving a van for social reasons. This is the type of cover you will need if you are using your van for going on holidays, shopping trips or any other activities or hobbies.
Commercial Van Insurance
Commercial van insurance is a type of policy that protects vehicles used for business. This type of insurance will not only protect your vehicle, but also the goods and tools you use day to day. You will need this type of cover if you are commuting, carrying work tools, or any goods or equipment for a job.
Types of Commercial Van Insurance
Haulage- This is the insurance you need if you are transporting large loads over long periods of time and distance.
Courier- You will need this type of cover when you are transporting multiple goods to multiple different locations in a day
This is the cover you will need if you are driving a commercial vehicle to transport your business related goods.
Carriage of goods for hire or reward- You will need this type of cover if you are using your vehicle to transport other people or goods that are not for your own business in return for payment.
How can I reduce my van insurance cost?
Increase your excess – Your excess is the amount you pay if you need to make a claim. When drivers agree to pay a higher excess they are reducing the overall payment from the insurer.
Security measures- Security systems like immobilizers or cameras can go a long way at reducing your insurance price. Make sure your insurer knows the security systems you have in place, so that they can be accounted for in your final price.
Telematics-A ‘black box’ is a small tracking device fitted to your vehicle which enables insurers to monitor a range of information about your driving. This includes the distance you travel, when you travel and your speed.
Pay for the year upfront– If you are able to do so, paying your insurance in one lump sum can considerably reduce your insurance price.
What levels of van insurance cover are on offer?
Depending on your individual needs, our price comparison engine can find quotes on three main levels of cover:
Third Party Only
Third Party insurance offers the minimum insurance cover. You are protected if you have an accident causing damage or injury to any other person, animal, vehicle, or property. The problem with this type of cover is that it doesn’t protect any repair costs to your own vehicle.
Third Party, Fire and Theft
This is similar to Third Party insurance but with some added features. This type of cover will also pay for repairs or replacement if your car is stolen or set on fire. This type of insurance still won’t cover the costs of damages if you are involved in an accident.
Comprehensive Cover
Comprehensive van insurance is the most popular and offers the highest level of cover. It includes the same perks as Third Party, Fire and Theft, but it also covers the damage made to your own car. This is the case even if the accident was your fault.
What We Need From You?
To apply for a quote all we need is:
Some information about you
Basic driver details such as name, age, type of license and years on the road
Some information about your vehicle
Details such as vehicle type, model, modifications and any security measures installed
Some information about your policy
Details about the cover that you need and any no claims bonuses you might already have
Additional cover to consider
This is a type of policy that allows for multiple people to drive the same van without being named on the insurance policy. This is a popular extension to the commercial van insurance policy. If you work in a large team or with temporary workers this is a great way to allow your staff to use a van for work at a short notice, and without adding them to the policy. This type of cover is often restricted to over 21’s.
A policy providing protection in the event of your vehicle breaking down. Not all Breakdown Cover is made equal with varying levels of cover on offer, ranging from basic roadside cover through to a more comprehensive home start policy it is important to understand the level of cover the policy offers
This add on covers you if you are driving through Europe. Most likely to cover the minimum level of cover. It is important to remember to always check the level of cover you have with your provider before driving abroad.
Our Approach
Quote the Market leads the way in finding the right price suited for your needs. We work with a wide variety of insurers to find you good prices even if you have any circumstances that make it difficult to do so.
At Quote the Market you can:
View your quote online- we are a genuine price comparison site for van insurance, so we don’t just capture customer details and sell them on to insurance brokers. We show you your options.
Purchase policies online- In some cases you won’t need to contact a broker, all your policy can be purchased online.
Wide panel of insurers- this gives you the potential to cover all types of circumstances, including young van drivers, modified vans, and drivers with previous convictions.
Customer gets to choose who contacts them, if anyone at all.
Frequently Asked Question
Yes, some of our partners offer any-driver policies. Make sure that you include this detail in your quote.
Yes. All the perks from private van insurance are also included with a commercial van insurance policy
Yes your No Claims can be carried over if the bonuses have been issued in the United Kingdom