Van Insurance | Business Van Insurance | Van Insurance Quotes

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Need a van insurance quote? Let the independent specialists at your local Coversure compare their markets to find you quality van insurance protection. Your local Coversure office can tailor protection to your needs, so start your quote today.

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What Is Van Insurance?

Van insurance is a flexible policy that gives van owners the protection they need to drive on public roads. As van owners have different reasons for using their vehicles – for work or private use – there are several policy options you can choose from. Thanks to our close connections to a range of leading insurers, your local Coversure can offer you a van insurance quote to cover the following:
  • Using them for work
  • Carrying your own goods
  • Carrying other people’s goods for money – say, doing customer deliveries
  • For personal use, so-called social, domestic, and pleasure

If you’d like to know more and for a no-obligation van insurance quote, contact your local Coversure.

What Does Van Insurance Cover?

While we can offer you a range of options* for your van insurance quote, all policies are based on giving you the cover you need to drive on public roads legally.  There are three levels of cover for this:

  • Third-party only – this is the minimum cover required by law and will only protect you for third-party liabilities – e.g., damage to another driver’s vehicle in the event of an accident if it is your fault
  • Third-party, fire, and theft – this is the same as third-party, but it also insures your vehicle should it be stolen or damaged, or lost in a fire
  • Fully comprehensive – fully comprehensive will cover you should your vehicle be lost to fire, stolen and, in the event of an accident, it will pay for repairs to your vehicle even if it was your fault

Which option suits you will depend on how much cover you’re looking for and how much you want to spend.  Fully comprehensive tends to be the most expensive and third-party the cheapest.  If you’re unsure which is best for you, please get in touch with your local Coversure office, and they’ll be happy to give you some independent advice

Van insurance cover through Coversure offers further options:

  • Social, domestic, and pleasure – called SDP cover, this is for people who don’t use their vans to carry paying passengers or goods. Instead, they use them for shopping trips, holidays, and visiting family or friends, but not for commuting, though
  • Carriage of own goods – if you use your van to get to work, you’ll need this cover. 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 a standard with this type of policy
  • Hire and reward – if you carry goods for money, your policy will need a hire and reward element. This is a commonly used element by couriers, especially so-called lifestyle couriers and others who do deliveries part-time.  These drivers tend to do deliveries locally
  • Haulage – you will need this option if you deliver larger loads over long distances in your van. Haulage cover is for single destinations, so if you make multiple drops, you’ll need courier insurance instead
  • Van fleet – if you have two or more vehicles, you can get a van fleet insurance policy and save money on per vehicle cover and cut down on admin

What optional Van Insurance covers are available?

  • Public liability – public liability insurance is there should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities
  • Goods in transit – goods in transit insurance insures your cargo should it be damaged, lost, or stolen while being moved.  Over 5 million parcels were stolen from couriers in 2021, according to The Guardian, so making sure your packages have goods in transit insurance is a good idea.  Some Coversure offices, such as Coversure Redditch, can offer you free goods in transit protection as part of your van policy
  • Legal assistance – this will cover your legal expenses should you need to claim for uninsured losses following an accident that wasn’t your fault.  If you’re prosecuted for an event related to using/owing your van, we will cover your legal fees and give you access to confidential legal advice
  • Breakdown and recovery cover – time is money when you’re a professional driver.  With breakdown insurance as part of your policy, you can rest easy that if you do run into trouble, help will soon be on the way
  • Tools insurance – covers the cost of replacing equipment you might keep in your van if it’s stolen

How Much Does A Van Insurance Policy Cost?

How much your policy will cost depends on several factors, some of which we’ve outlined below.

  • Your age – younger drivers tend to pay more, and you will need to be at least 21 years of age to get cover. Some insurers won’t insure drivers under over 75
  • What you do with it – if you have a van for social, domestic, and pleasure, it’s likely that your premiums will be lower than if you are a courier, for example
  • Where you are driving it – inner cities, on routes with high accident rates, or postcodes with high crime rates will all push up your premiums
  • Your claims history – good, safe drivers will years of no-claims bonus pay less than those who have multiple claims
  • What you are driving – an older, less secure vehicle is likely to more expensive to insure than a newer one
  • Your vehicle’s security – vans that are garaged overnight, ones with dashcams and interior cameras, immobilisers, alarms, and telematics devices will usually be cheaper to insure than those without these security benefits
  • The distance you are covering – statistically speaking, the longer you are driving, the greater your chances of you having an accident

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Van cover for you.

Van Insurance FAQ

Van insurance is a complex cover area, so to help you get the protection you need, here are the frequently asked questions about Coversure’s van insurance.  We hope they will be of help, but if you’d like some independent advice, contact your local Coversure.

Yes, as you need cover to drive on public roads

Getting a quote is easy.  Contact your local Coversure office or start your van insurance quote today

Yes, if you have earned it in your van.  If you have an existing discount for a car, you probably won’t be able to transfer it over to your van insurance

Commercial van insurance will allow you to use your vehicle for paid work and commuting.  Private cover will only allow you to make social, domestic, and pleasure trips

Yes, you can have up to five drivers on the policy, including the policyholder

You must be at least 21 years of age

Yes, if you have goods in transit insurance as part of your policy.  Goods in transit will protect your cargo against loss, damage, or theft while they are being moved

No, goods in transit insurance isn’t a legal requirement.  That said, some companies and other employers – local authorities, for example – may insist you have it before you carry goods for them

Add-ons such as goods in transit, public liability, and breakdown and recovery are well worth considering

Need a Van Insurance quote?

If you’d like a Van Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Goods In Transit

Public Liability

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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