Find affordable insurance coverage for your van
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Van Insurance Benefits
Van Insurance Guide
Van insurance is one of the few insurances that is required by law. If a Van is driven on the road it must have insurance. The only exception is if the van has a Statutory Off-Road Notice. Which means that by law the Van cannot be driven on the road, but also does not require insurance.
Types of Van Insurance
As with van insurance, van drivers have three levels of insurance cover to choose from:
- Third party – This is the minimum legal requirement for van insurance. It’s a basic form of insurance that covers the costs of any damage incurred while driving.
- Third party, fire, and theft – Similar to third party insurance, but covers the cost of replacing a van if it’s stolen or damaged in a fire.
- Comprehensive cover – Provides everything as above, but also covers costs for repairing the van belonging to an at-fault driver.
Depending on the insurer and the policy. The driver may be covered when driving other vans, including hired van. Some policies also allow the policyholder to name other drivers to be covered when driving their van.
Optional Extras
These options will increase the cost of insurance:
- Breakdown cover provides roadside assistance in the event of a breakdown.
- Legal expenses are covered if they arise from of compensation claims made because of a vehicle related accident.
- Windscreen cover is typically included in comprehensive policies but can be purchased as an add on for third party cover.
Why is van insurance more expensive than car insurance?
There are a number of reasons for this. For example, many vans will have larger engine sizes than your typical car, and vehicles with bigger engines usually fall into higher insurance groups. Since van insurance groups play a role in your insurance premium calculation, resulting in with van insurance often cost more to insure.
In addition, the majority of vans on the road in the UK are used for commercial purposes, so there is a good chance that they will spend more time on the road and than a family car that is only used for ‘social, domestic and pleasure’
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The information provided on this page is for editorial purposes only and not intended as financial advice.
Invictus at Home Limited is an Introducer Appointed Representative of Seopa Ltd who are authorized and regulated by the Financial Conduct Authority under firm reference number 313860.
