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Getting insurance for your van is compulsory and, failing to do so will lead to a fine. This is the case even if your van is not being used. 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) under 2011's Continuous Insurance Enforcement Act. You could face a significant fine if you don't have the right insurance. It is no longer allowed to insure your van for only part of the year.


Frequently asked questions

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 considered 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 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. This may be reimbursed if you’re proven not to be at fault for the incident.

Can I pay voluntary excess on my van insurance?

Yes – if you choose to pay a voluntary excess towards your 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.

If you need some assistance our experts would be happy to help

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