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Frequently asked questions on van insurance

Get the answers to FAQs on van insurance policies, then compare quotes to find the right deal for you.

Why do I need van insurance?

It's a legal requirement to have van insurance. What's more, your van is likely to be key to your business and livelihood - the right policy can offer support and peace of mind. Read more in our beginners' guide to van insurance.

What type of cover do I need?

Choose between a private or commercial policy, then pick the level of cover you require - the three main types are comprehensive, third party only or third party, fire and theft, although telematics policies are starting to make strides in the market.

What's the difference between private and commercial van use?

Private van insurance allows you to use your vehicle solely for social reasons, for example seeing friends. Commercial van insurance, also known as business van insurance, permits the driver to carry out a trade or profession using the vehicle, such as making deliveries or transporting tools and equipment.

If you commute to even one place of work in a van, you'll need commercial insurance.

What categories of use are there?


  • Social only
  • Carriage of own goods
  • Carriage of goods for hire and reward
  • Haulage

What factors will determine the price of my policy?

There are many factors which contribute towards your policy price, including vehicle value, van performance, vehicle speed and security systems. As with a car policy, you can opt to be liable for a voluntary excess on top of any compulsory excess which could potentially lower your premium.

Do vehicle modifications affect my insurance?

Let your insurer know about any modifications on your vehicle. It may affect your premium, but failure to disclose such information is likely to invalidate your policy.

Did you know...?

  • Your no claims bonus only applies to a single van

How do I insure my pick-up?

Pick-ups require van rather than car insurance. Again you'll be required to identify whether your vehicle is used privately or commercially.

Do I need car or van insurance?

Distinctions can be unclear so check your V5 log book. Our guide can tell you what to look out for but, if you're confused, contact your insurer.

Can I apply my no claims bonus (NCB) to a second van?

No, the no claims bonus applies to a single van; it can be transferred to an alternative van but it can’t be applied to an additional van or another vehicle.

A number of insurers will give discounts or allow you to mirror your NCB on a second van, but you need to check with individual insurers to find out if they offer such incentives.

Can I transfer my car no claims bonus to my van? A white van on the road

No, the no claims bonus applies to a single vehicle.

Some insurers will give discounts on a second vehicle and some may allow you to mirror your bonus from a car to a van, but this is not common and depends on them offering insurance across different vehicles.

Any other questions?

See if you can find the answers in our van insurance guides.

By Sean Davies