Car Insurance

Van Insurance..

Compare cheap van insurance quotes

• Compare cover from over 30 insurers
• Comparing van policies is free, fast and simple!
• Get a quote in under 5 minutes

• Van Insurance – all you need to know

  What is van insurance?

  Van insurance is a type of insurance that covers you against a number of different risks relating to your van in a similar way that car insurance covers cars. It can be useful as vans aren’t generally covered by car insurance policies, especially if you use your van for commercial or business reasons.

  Van insurance will cover third-party costs if you cause an accident and could help you pay for repairs to your van. It might also pay out if you top up with the wrong fuel, or even if you lose your keys, depending on the policies you take out.

  What type of van insurance do I need?

  The type of van insurance you should take out will depend on the type of van you have, what you use it for, and what you need from your policy. For example, when you choose your level of cover you can pick:

  • Comprehensive cover: comprehensive insurance covers your van for any accidental damage, and it also covers third parties and their vehicle or property in case you get into an accident. It also offers cover for any fire damage to your van, and can help to cover all or some of the cost of your van if it’s stolen
  • Third party only cover: third party only van insurance covers the cost of any damage to another person, their vehicle or their property that’s caused by you driving your van – but it won’t cover the cost of any damage to your own vehicle
  • Third party, fire and theft (TPFT) cover: third party, fire and theft offers the same level of cover as third party only cover and it also covers loss or damage to your own van if it’s caused by fire, lightning, self-ignition, explosion, theft or attempted theft. It won’t cover any accidental damage to your own van that’s not caused by fire or theft

  
  

  
  Once you’ve decided this, then you should consider what you use the van for:

  Standard cover

  Standard van insurance generally provides basic cover for your van, however it can also include contents cover for belongings you keep in the van.

  Courier cover

  Courier cover is for vans used to carry and deliver other peoples’ goods. The policy reflects the extended amount of time the van is on the road, but doesn’t usually cover the goods themselves

  Goods cover

  A goods-in-transit policy will cover the items or cargo you’re transporting. However, you’ll be required to tell your insurer about the items, especially if they’re valuable or dangerous. You can only carry the type of goods your insurer has agreed to cover.

  You can insurer your own goods or tools (carriage of own goods) or delivering for someone else (a haulage or hire and reward policy), providing you have explained that to your insurer. Get more information on business van insurance.

  Pick-up cover

  Pick-up trucks aren’t covered by car insurance, but they can come under van insurance with pick-up truck cover.