Third party or comprehensive insurance policy?

The main reason to buy fully comprehensive insurance for your van is because it pays for the damage to your van in case of an accident. Third party will only cover any other vehicles which have been damaged, or in the case of third party fire & theft, cover for fire & theft damage too.

You'll still have to pay your excess and you may find that your premiums are higher for the next few years until you get your no claims back again but it's better than having to pay for all the damage to your van yourself!