Van insurance

Compare cheap van insurance quotes 

  • You could save up to £258[1] by comparing with us
  • Compare cover from over 50 providers[4]

Compare van insurance

Getting quotes from lots of different van insurance providers can really help to cut the cost.

When you compare van insurance with us, we’ll show you the price, but also some of the policy features that are included or excluded.

That’ll help you choose the right cover for your van. We know how important that is – your van is more than just a vehicle to you, especially if your business depends on it.

What does van insurance cover?

As a minimum, van insurance will cover the cost of any losses or damage you cause to other people and their property while driving. That’s third-party cover and it’s a legal requirement.

You can choose third party fire and theft or comprehensive insurance to cover more eventualities.

Exactly what’s covered by your policy will depend on the type of van insurance you buy.

  • Business van insurance: covers your van and – depending on the cover level you choose – your possessions, when you're using your van for work and to get there and back. If you're doing deliveries, you'll need courier or haulage cover too. 
  • Private van insurance: this covers you for social use only – things like trips to the shops, holidays and visiting family or friends – you can't do any commuting.

If you’re unsure which type to choose, our guide will help you pick the right type of van insurance cover.

Our van insurance providers

There are over 50 insurers on our panel for you to compare cheap commercial and private van insurance quotes from, including:[4]

  • Lloyds Bank Van
  • Admiral
  • Autonet Insurance
  • One Call
  • VanLine Direct
  • QuoteLine Direct
  • Hastings Direct
  • MoreThan

Van insurance types

Your type of van insurance is defined in more detail than for car insurance. You’ll need to work out whether you need commercial or private insurance first. Then, the type of cover you need depending on how you use your van.

  • Haulage

    This is cover for delivering large loads over long distances. With this type of insurance, your goods in transit will be covered too.

    Haulage cover is for single destinations though, so if you make multiple drops, you’ll need courier insurance instead.

    You’ll also have cover for social use included.

    More on haulage cover
  • Courier

    You'll see this called ‘carriage of goods for hire and reward’. It’s cover for delivering other people’s goods or property - and getting paid for it.

    It’s usually for deliveries in a localised area and provides additional cover for the goods that you transport.

    Social use is included too.

    More on courier cover
  • Carriage of own goods

    If you use your van to get to work, you’ll need this cover. You can get cover for your tools or goods too if you need it.

    You’ll need to let the insurer know what you carry in your van. If you don’t specify it, it won’t be covered.

    Social use is included as standard.

    Carriage of own goods
  • Social use

    For private use, like visiting friends and family and doing the shopping.

    You can't commute - even to a single place of work.

    More on social use
van insurance

What level of van insurance cover should I choose?

There are three levels of van insurance to choose from. Legally, you only need to have third party cover, but it won’t offer you, or your van, any protection. Compare different types of policies to find the level of cover you feel most comfortable with.


This is the highest level of cover you can get. Fully comp insures your van against theft and fire, as well as covering you, your van and third parties involved in motoring incidents.

Third party, fire and theft (TPFT)

Third party, fire and theft is the middle ground between comprehensive and third party only cover. You’ll be covered for damage or injury to third parties and for fire damage, or theft, of your van.

Third party only (TPO)

This only covers injuries or damages to third parties – legally, you need it to drive your van. Just because it’s the most basic cover, don’t assume it’ll be the cheapest.

How to get a cheap van insurance quote

It’s a quick and easy process - we only need a few details to get your quotes:

  1. Your details

    A bit about you, where you live, your job and driving history

  2. Van details

    Reg plate, make, model and estimated value

  3. Your plan for the van

    Intended usage, yearly mileage and where it’ll be parked

  4. Van modifications

    Declare any changes you’ve made to your van

How to cut the cost of van insurance

Five ways you could make your van insurance cheaper:

  1. Pay for the year up front

    If you can afford it, it’s always cheaper to pay for your insurance in one go

  2. Avoid modifications

    Try to avoid modifying your van. Modified vans usually cost more to insure

  3. Improve security

    Alarms, trackers and immobilisers can lower your premiums. Park your van securely in a garage or driveway if you can too

  4. No-claims discount

    The longer you go without making a claim, the bigger the discount you’ll get

  5. Put your excess up

    Generally, if you increase the amount you’re prepared to pay towards the cost of a claim, you’ll get cheaper quotes. Keep it affordable though, in case you need to pay it

Any-driver van insurance

With any driver insurance, anyone can drive your van at short notice – you don’t need to name them on the policy. 

It means team members can easily share a van. And if you have a growing business, or temporary workers, you don’t need to add them to your insurance short term. 

Watch out for age restrictions though – under 21s aren’t usually covered as standard.

Add-ons for van insurance

There are plenty of extras you can bolt on to your van insurance. Some you’ll pay extra for, while others are included as standard, depending on the insurer.

Legal expenses, breakdown cover, courtesy vans and protecting your no-claims discount are all options for you to consider.

They all add up, so only add the bits you really want or need. If you pay monthly for your insurance, you’ll pay interest on the extra cover too.

How much does my van insurance cost?

One-in-10 of our van insurance customers paid as little as £234[5]

But our research showed that the average price paid for social-only van insurance is £391.05, while the average annual price for carriage of own goods is £398.75.*

The average price climbed considerably to £982.54 for hire and reward and £1,052.46 for haulage cover.

Your own quotes will depend on your vehicle, your driving history and your own personal circumstances.

[5]10% of customers were quoted annual van insurance premiums of £233.50 or less with (01 Mar 2021 to 31 May 2021).

*Based on average price paid for van insurance policies purchased through GoCompare in June 2021, split by type of use.

Does age affect van insurance?

Don’t forget your green card

From 2 August 2021, you won’t need a green card to drive in the EU (including Ireland), plus:

  • Andorra
  • Bosnia and Herzegovina
  • Iceland
  • Liechtenstein
  • Norway
  • Serbia
  • Switzerland

But you might need a green card for other destinations. You should always check your van insurance to make sure you’re covered.

Compare van insurance

Make sure you’re getting the right cover, for the right price

Page last reviewed: 15 September 2021

Next review due: 15 December 2021

[1]Based on independent research by Consumer Intelligence during 1 May to 31 May 2021: 51% of consumers could achieve a saving of up to £258.07 with van insurance based on a comparison of 11 companies.

[4]As of March 2021, there are 50 active van insurers on the panel at GoCompare.

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