Compare private van insurance quotes and find the right cover for the right price
Private van insurance will cover you if you only drive your van for social reasons.
Social use includes:
Using your van for commuting to work, carrying work tools, equipment or goods will mean you’ll need a commercial van insurance policy.
Getting the wrong insurance means you won’t be covered if you're involved in an accident.
If you’re not sure what kind of cover you need, we'll help you work out whether you need commercial or private van insurance.
The level of cover you get depends on the type of policy you choose.
You’ll be covered for third party claims and damage to your vehicle in the event of fire, theft or an accident, whether you’re at fault or not
This includes cover for third party claims and for your own van for loss or damage due to fire or theft
TPO insurance is the minimum amount of cover required by law. It only pays for third party claims, not for damage to yourself or your van.
Van insurance usage categories work differently to car insurance
Private van insurance won’t cover you for commuting or anything related to business or making money
Average cost of fully comprehensive van insurance, by type of use:
£572: Social use only
£565: Carriage of own goods
£1515: Goods for hire and reward
If you have carriage of own goods cover, you’re transporting tools or other valuable equipment in the van. If you have goods for hire and reward protection, you’re transporting items and packages for delivery.
Van insurance can be more expensive because:
However, if you’re driving a van for social reasons only, there’s very little cost difference between van and car insurance.
*The average purchase price for annual comprehensive van insurance policies purchased through GoCompare by drivers with a full driving licence in January 2022.
Policies vary, but insurers generally have extra cover options for:
the work tools and equipment you keep in your van, up to a certain limit
if your van is out of action, you’ll be offered a temporary replacement
solicitor’s fees and other legal expenses
if your keys and windscreen are damaged or if you lose your keys
the cost of injuries sustained in an accident or if it results in your death
the cost of recovery and repairs
driving in the EU, usually for up to 90 days per trip
It’s a legal requirement to have a valid driving licence for the type of van you drive.
Light goods vehicles (LGVs) - vans weighing less than 3,500kg and with a maximum of nine seats (including the driver's) - can be driven with a standard car (Cat B) driving licence.
To drive a vehicle weighing up to 7,500kg, you’d need a Cat C1 licence.
If you passed your test on or after 1 January 1997, your licence will not include Cat C1 and you would need to apply for your C1 provisional licence and sit the test.
As well as comparing a range of quotes to find the right cover, there are other ways you can save on your van insurance:
Read our complete guide on finding cheaper van insurance.
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*Based on average price paid for fully comprehensive social, carriage of own goods, goods for hire and reward, and haulage, purchased through GoCompare in July 2020, and based on average price paid for fully comprehensive car insurance purchased through GoCompare in July 2020