Compare cheaper van insurance quotes for classic vans and vintage pick-ups
Classic van insurance covers your vintage, collectable van.
The definition of a classic van varies between insurers, but it’s usually defined as being more than 20 years old.
You might want to consider a classic policy if your van is particularly old or rare - you could benefit from specialist features such as a guaranteed agreed value.
If you’ve increased the value of your van by renovating it, it might be worth more than the current market value. An agreed value policy will protect your investment if it's ever written off - otherwise the insurer would only pay out the market value.
You’ll be asked to show evidence of the van's condition and receipts for work done, either at the start of the policy or if you claim.
Agreed value policies often cost more than a standard policy.
Insurers consider more than just the age of the van when they calculate the cost of insurance:
A classic VW wedding van will cost more to insure than a renovated VW van because you need a business use policy rather than a social policy
The crime rate in your area tells the insurer how likely you are to make a claim
If you’ve made claims in the past it can increase your premium
The more years of no-claims bonus you have, the cheaper your van insurance should be
Every job has a risk score allocated by the insurance which will cause the cost of insurance to rise and fall
If you park in a locked garage your insurance will be cheaper than if you park on a street
Old vans might benefit from some security upgrades, but that may outweigh any insurance savings you make
There are three levels of cover to choose from:
Comprehensive classic van insurance is the most extensive level of cover.
It covers you, your van and your passengers and third-party drivers, vehicles and passengers, if you’re in an accident caused by you or someone else.
It also covers you for fire and theft. And depending on your insurer, it may also cover things like a courtesy car or lost keys.
You and your classic van are covered for fire and theft, but not any damage if you’re in an accident that’s your fault.
Your classic van may have rare or expensive parts that make it costly to repair, so think carefully about how you’d afford the repair bill if you take this level of cover.
TPO is the most basic level of cover required by law to legally drive on the road.
It’ll cover damage and losses to other people but won’t protect your classic van from fire, theft or damage.
The way you use your classic van affects the cost of your insurance. You’ll be able to choose from:
For vans that are kept for fun and recreational purposes - not commuting though.
Not all providers will cover rallies, events and exhibitions as they’re regarded as too much of a risk - check with your insurer to see what it covers.
If you use your van to transport business-related goods, tools or equipment or if you use your van for commuting.
This is what you need if you transport goods for payment to multiple destinations, such as fast food or catalogue couriers.
You’ll need this cover if you drive long distances to make a single delivery.
Just check the insurer's definitions for each usage to make sure you’re getting the cover you need.
Here are a few ways you can get the right classic van insurance for less:
Don’t overestimate your mileage. Underestimating isn’t good either as you could invalidate your policy
Increase security by getting a tracker or immobiliser and store the van safely overnight
If your van has been modified your insurance will cost more - you’ll need to declare changes to the bodywork, suspension, brakes, engine and exhaust to your insurer
Having unique signage or distinctive paintwork on your van makes it easier to trace if it’s stolen - it’s worth letting your insurer know