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best van insurance

UK based experts in van insurance
Over 9 years’ experience
Panel of 30+ leading uk insurers

UK based experts in van insurance
Over 9 years’ experience
Panel of 30+ leading uk insurers

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Let’s get started...

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Compare and save on your van insurance with businesscomparison.com

Comparing with our van insurance partner offers the following benefits

  • 24/7 freephone claims helpline
  • Guaranteed multi vehicle discounts¬†
  • No claims bonus discounts
  • Windscreen replacement service
  • Cover for in-car audio
  • Friendly and experienced staff
Before continuing please read carefully

To help with your online quotation please have the following information to hand:

  • The personal details of all drivers
  • Full details of the vehicle to be insured
  • Details of any claims or convictions for all drivers
  • Details of any No Claims Bonus claimed

To aid the process of your online quotation, please confirm that the conditions below are correct:

  • All drivers are permanent residents of the United Kingdom and do not have more than one occupation.
  • No more than four drivers to be covered.
  • All drivers are legally entitled to drive in the UK and have a valid licence.
  • None of the drivers have any medical conditions which must be legally disclosed to the DVLA.
  • None of the drivers have any non-motoring convictions unspent under the Rehabilitation of Offenders Act e.g. theft, dishonesty, or fraud.
  • None of the drivers have ever had insurance refused, cancelled, voided, or special terms imposed on any insurance policy.
  • The vehicle has not been modified in any way from the manufacturer's standard specification and does not exceed 7 seats.
  • The vehicle is not registered as a Q plate.
  • You own the commercial vehicle and it is registered in your name. The commercial vehicle will be kept at your home address.
  • The commercial vehicle will not carry hazardous materials or goods.

It may be that you cannot comply with these criteria. If this is the case please call us free on 0800 093 0171 and we will be happy to assist you.

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What makes us different Business Comparison is here to help business owners no matter how big or small.

We found that as business owners ourselves, finding the best option is not easy to do online. We felt we could do better and provide a service to all small-to-medium sized businesses.

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Transport is a crucial requirement for many small businesses and sole traders and, with insurance being a legal requirement, it’s a necessary expense. Van insurance provides compensation in the event of theft of tools or equipment, fires, accidents or injuries. Having cover in place provides you with financial security in unforeseen circumstances.

Van insurance provides compensation in the event of theft of tools or equipment, fires, accidents or injuries

At Businesscomparison.com we understand that as an owner you’ll want cheap insurance at the right level of cover because making the wrong choice may negatively affect your business and cost you money.

Making the wrong choice may negatively affect your business and cost you money

Unlike car insurance, van insurance doesn’t have a ‘social, domestic, pleasure and commuting’ classification. This means that commuting to even a single place of work in a van requires a commercial policy rather than a private one.

The only time you’re not required to have insurance is if the vehicle is registered as ‘off road’ with a Statutory Off Road Notice (SORN). If you don’t have van insurance, then you could receive a fine or a ban from driving if you’re caught. Exceptions to the new CIE legislation are if the vehicle is in-between registered owners or if it has been scrapped, recorded as sold or stolen and not recovered.

The only time you’re not required to have insurance is if the vehicle is registered as ‘off road’ with a Statutory Off Road Notice (SORN). If you don’t have van insurance, then you could receive a fine or a ban from driving if you’re caught

At Businesscomparison.com we compare deals for you based on your vehicle type, your driving history and your requirements. Use our online comparison service to get the most suitable cover at the best price.

Factors that are taken into account

  • The age of the vehicle
  • Modifications to the van
  • Size of the van
  • Use of the vehicle
  • Occupation
  • Claims history

Security features, vehicle speed and whether you plan to store equipment and tools in your van can influence the price you pay to insure it.

The price of your premium may be greatly reduced if you choose to pay more voluntary excess on top.

Like car insurance, van insurance has different options:

Third party only

Provides cover to a third party for injury and damage if your van is involved in an accident.

It is the basic minimum cover you are allowed by UK law and is the cheapest option. This can be useful if you need to get on the move but can’t afford more expensive cover or if the van you are driving is not worth a lot of money. This compensation will pay out money for any damage to the victim of an accident. It does not cover the costs of replacing or fixing your van if it is damaged in an accident or theft of your vehicle.

Third party fire and theft

Includes the above, plus cover for your own vehicle as a result of a fire claim or if your van is stolen.

As a step up from third party only this cover is useful if you want to minimise the risk of being left to pay for your van if something goes wrong. You do, however, have to take into account that there will be an excess to pay if it is stolen. If the present value of your van is nearly the same as our excess then you might not be required to pay for the extra cover.

Comprehensive

This is the highest level of cover and, as such, it includes all of the above, plus any accidental damage to your van if you’re involved in an accident.

This level of cover is the most expensive but is useful if you want complete peace of mind when leaving your van unattended. It’s worth taking into account that it won’t cover your van for every eventuality. For example, if your van breaks down.

Additional products such as Motor Legal Expenses and Vehicle Breakdown cover can also be purchased alongside your van insurance to give you that extra protection should you need it.

Excess

The amount that you are required to pay towards any claim that you make is called the excess.

There are two types of excess:

Compulsory excess

  • Dependent on details you gave to your insurer when you took out the policy
  • Set by the insurance company
  • Policies with young drivers and/ or high value vehicles are more likely to have higher excesses

Voluntary excess

  • You can choose to pay more on top of the claim
  • It can help to reduce the price of your premium
  • If there is a claim this has to be paid on top of the compulsory excess

Interested in van insurance?

Go ahead and try our free online van insurance comparison service. We compare over 30 leading UK insurers to bring you the best deal.


This is relevant to sole traders and businesses who work at numerous locations and use their vans every day. It is to protect your business financially in the event of an accident or theft. In this instance it’s crucial to select the right cover when transporting your products or tools. You should also consider any additional named drivers, the commercial mileage you require and if you are parking your van at different locations.

There is a variety of different types of products for this type of van insurance:

White van insurance

Did you know the average value of a white van’s contents is £1,026 and the average mileage is 9426 miles per year? This type of insurance allows you to cover your white van for any damages or repairs as a result of theft, fire, flood or peril.

Courier insurance

If your van is used for transporting goods, then this is the insurance for you! Having adequate courier insurance in place can protect your income and business. Stolen or damaged goods can be covered as well as loss of income that may result from broken or undelivered items.

Tipper insurance

We understand that as well as being a mode of transport this is a vital piece of construction equipment and, as such it needs to be covered for repairs, replacements and any damage to third parties.

Pick up insurance

If you use a pick up vehicle for your business, you will need to make sure it is fit for purpose and secure. Breakdown cover, contents insurance and third party cover can all be included.

Lorry insurance

We work with the best insurers in the UK to get you a good deal on lorry insurance whether you drive a 7.5 tonne or 10 tonne lorry or a six wheeler.

Fleet insurance

One insurance policy can cover you for multiple vans with this type of insurance. Typically having lots of vans under one policy means that you pay less to insure each of them. Fleet insurance can also cover different types of vehicle that your company might use such as HGVs, lorries or tippers.

First time insurance

As with motor insurance, premiums are higher for younger or new drivers. Young drivers, aged 17 to 24, typically pay higher insurance costs because they have less experience on the road.

Goods in transit insurance

If you are transporting goods for business purposes, then you’ll need to have them insured against damage or theft to protect your income. It’s worth noting that, whilst your customer’s goods are covered with this insurance, your own belongings in the van are not.

Tools insurance

Specialist equipment and tools are, of course vital to tradespeople in particular whether they be a carpenter, plumber or builder. Tools insurance allows you to cover any hand tools, power tools or equipment that you use for your job to protect from theft or damage.

Interested in van insurance?

Go ahead and try our free online van insurance comparison service. We compare over 30 leading UK insurers to bring you the best deal.


This relates to vans that are used for private, social and domestic use. The premium on this type of insurance is reasonable because you are unlikely to accumulate a lot of mileage. You will have to prove that the van is only for personal use.

This is for vintage vans that are over 25 years old. If they are not used on the road then they may not need insurance, however if they are used for business or commercial purposes they may require different levels of insurance.

Interested in van insurance?

Go ahead and try our free online van insurance comparison service. We compare over 30 leading UK insurers to bring you the best deal.


Great panel of insurers

Our quality panel of insurers will help you save money and give you peace of mind

Quick, easy insurance process

Designed to be quick and simple to make your life easier

Instant insurance on the same day

So you don’t have to worry if you’ve left it to the last minute

Full policy documentation sent via e mail

Everything you need will be with you asap after you apply

Interested in van insurance?

Go ahead and try our free online van insurance comparison service. We compare over 30 leading UK insurers to bring you the best deal.


We’ve compiled a list of FAQs to help you make an informed choice about your van insurance cover.

Why do I need van insurance?

In a nutshell because it’s a legal requirement. Getting the right policy is crucial to protect your business and livelihood and can offer you security and peace of mind.

How much will it cost me to insure my van?

That very much depends on the type of cover you choose – whether it’s comprehensive, third party only or third party fire and theft. It also can vary depending on whether you’re taking out a private or commercial policy. The main aspects to be taken into account include:

  • The age of the vehicle
  • Modifications to the van
  • Size of the van
  • Use of the vehicle
  • Occupation
  • Claims history

The price of your premium may be greatly reduced if you choose to pay more voluntary excess on top.

Security features, vehicle speed and whether you plan to store equipment and tools in your van can also influence the price you pay to insure it.

Where can I find cheap van insurance?

The surest way to secure cheap van insurance, whatever your needs, is to be specific about the cover you need and compare deals. At Businesscomparison.com we search a panel of over 30 leading UK insurers to save you time and money.

Will vehicle modifications affect my insurance?

Modifications may affect your insurance premium so it is crucial to let your insurer know about any changes you have made to your vehicle. If you fail to do this, then your policy may be invalid.

What is an excess?

It is the amount you must pay in the event of a claim regardless of who is to blame for an incident.

Can I pay voluntary excess on my van insurance?

Yes – if you pay towards the cost of a claim when you have comprehensive cover then you may get a discount on the premium.

Can I apply my no claims bonus to my second van?

You are unable to do this as the claims bonus applies to a single van. It can, however be transferred to an alternative van.

What if I change my van?

To avoid your policy becoming invalid you must tell your insurance company about a change of vehicle. It could have an impact on your insurance.

Any other questions?

Our van insurance guides will tell you everything you need to know.