Why compare Private van insurance?
It is crucial to check that this is the right policy for you otherwise you may not be covered in the event of an accident.
If you use your van to commute, carry out work or for commercial purposes then you need to arrange business van insurance.
Your vehicle must be insured unless you declare it to be off-road with a Statutory Off Road Notification (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.
What about Classic vans?
If you have a vintage van that is over 25 years old and it is not used on the road, then you may not need insurance. However, if your vintage van is used for business or commercial purposes you may require different levels of insurance.
What is covered by private van insurance?
This will differ depending on the level of cover you choose – whether it be third party, third party fire and theft or comprehensive.
For more information on these levels of cover please see our guide ‘What do I need to know about van insurance?’.
It is always necessary to check about exactly what is covered by your private van insurance.
Other optional add-on protection for private van insurance may include:
- Breakdown cover
- Replacement vehicle cover
Why compare private van insurance?
Just because you are not using your van for work purposes doesn’t mean you should neglect keeping your van insurance costs down. Using a comparison website is an excellent way of shopping around for private van insurance cover.
There are ways that you can try to keep your private van insurance costs down. These include:
- Fitting safety features such as an alarm or immobiliser
- Keeping your annual mileage down
- Opting to pay a higher excess
When deciding on the type of policy to take out it is worth considering:
- How many drivers will use the vehicle
- Security features
- The level of cover you require
- How many miles you expect to cover
The cheapest deal might not necessarily be the best one for your private van insurance needs. Sometimes it might be worth paying for extras such as breakdown cover.
For more information see our list of frequently asked questions.
Looking for private van insurance?
Go ahead and try our free van insurance comparison service. We compare quotes from a panel of leading UK insurers to bring you the best deal.