Save up to £671 on your van insurance in the next 3 minutes
- An easy way to potentially SAVE MONEY
- Compare over 50 policies in a few clicks
- From household van insurance brands
- Act now to compare your renewal quote &
- See what savings are available today
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Step 1
Complete your quick and easy quote

Step 2
Reveal your van insurance policies

Step 3
Pick your favourite and get instant cover
How to get a quote in 3 minutes or less.
The comparison service aims to make this as easy as possible for you. For an instant quote, simply add the following details to see if you can save money on your van insurance.
A few facts about your van
The van’s make and model. Or the registration number, if you have it. You will also need to provide the van’s age and details of any modifications.
How you plan to use the van
Provide details about your annual mileage for personal, commuting or business use. Select where the van is kept during the day and night.
Some brief details about you
Here you can add your name, age, address, and job status. You can also share details of the type of driving licence you hold and for how long.
Your driving history discount
Disclose details of any accidents, claims, or losses in the past 5 years. Tell us about your no-claims discount and if you want to protect this.
Your van insurance options.
Van insurance covers the cost of repairing your vehicle if it’s involved in an accident, fire, theft, or other unexpected events. Legally, you must hold valid insurance to operate a van unless you declare it as off-road with the DVLA. Being caught driving without van insurance can result in a minimum £300 fine and six points on your licence. Court cases may also lead to unlimited fines and potential disqualification from driving.
There are three types of van insurance available:

Fully comprehensive
A comprehensive van insurance policy provides the highest protection against potential losses. This typically includes third-party liability as well as accidental damage, personal injury and medical expenses.
Potential saving: £671 per year*

Third party, fire and theft
Provides peace of mind if your van is stolen or damaged by fire. It also covers third-party costs where you are at fault in an accident. Unlike fully comp, this policy will not pay out for similar repairs to your own van.
Potential saving: £671 per year*

Third party only
The lowest level of van insurance required for lawful driving in the UK. Covers damages and injuries to other people (and their vans) caused by an accident where you are at fault. There is no coverage for you or your van.
Potential saving: £671 per year*
*51% of customers using the cheap van insurance website could save up to £671 on their van insurance. This saving is calculated by comparing the cheapest price with the average of the next five cheapest prices on Seopa Ltd’s price comparison engine.
Representative savings: May 2025 data.
Top 10 customer questions
How can I lower the cost of my van insurance?
There are several smart ways to cut costs:
Increase your voluntary excess (but only what you can afford to pay in a claim).
Install a tracker or dashcam to reduce theft and fraud risks.
Pay annually instead of monthly to avoid interest charges.
Park your van off-road or in a garage overnight.
Compare quotes regularly – never just auto-renew.
You can also shop around for specialist brokers (like us!) who understand the van insurance market and can help you find a better deal.
Can I use my van for both work and personal use?
Yes, but only if your policy specifically includes both uses.
If you only select ‘social use’, you won’t be covered for work-related driving, including trips to the builder’s merchant or carrying tools.
To stay legal and protected, choose a “social, domestic, pleasure and business use” policy if you use the van for both work and leisure.
Does van insurance cover tools and equipment?
Not automatically.
Standard van insurance covers the van itself — not what’s inside it. So if your tools or stock are stolen or damaged, you could be left out of pocket.
To protect your gear, you’ll need to add tools-in-transit cover, or buy a separate policy designed for tradespeople or couriers.
Always check policy wording — and consider extra security like deadlocks or tool safes to lower your premium.
What counts as a van modification for insurance?
A modification is any change made to your van after it leaves the factory — whether it’s cosmetic, performance-based, or functional.
That includes things like alloy wheels, spoilers, signage, racking, engine tuning, or even adding a tow bar.
Insurers care because modifications can affect your risk level, value, or likelihood of theft.
Failing to declare them could invalidate your cover — even for unrelated claims.
Will my no-claims bonus from a car policy count on my van?
In most cases, no.
Car and van insurance are usually treated separately, and your car’s no-claims bonus (NCB) can’t be transferred to a van policy.
However, some insurers offer a mirrored bonus, allowing you to match your existing NCB for your van — often at a slightly higher premium.
Always ask — especially if you’ve built up a strong record with your car insurer.
Can I drive other vans on my van insurance policy?
Probably not.
Unlike many car insurance policies, van insurance rarely includes a ‘Driving Other Vehicles’ clause — and if it does, it’s often restricted to emergencies or only applies to certain vehicle classes.
If you regularly drive more than one van, consider adding multiple vans to your policy or looking into fleet or any-driver cover.
Never assume you’re covered without checking your certificate of insurance.
Is van insurance more expensive than car insurance?
Generally, yes.
Vans are usually larger, more powerful, and carry higher-value goods, making them more of a risk to insurers — especially if used for work.
That said, there are ways to keep costs down.
Keep your mileage low, park securely overnight, avoid high-risk postcodes, and compare quotes each year to avoid the loyalty penalty.
Do I need van insurance if I don’t use it for work?
Yes – as long as it’s used or parked on public roads, your van needs to be insured by law.
Even if you just drive it for leisure – like fishing trips, camping, or moving personal items – a van still requires the same minimum insurance as a car.
If your van’s off the road entirely, you’ll need to officially declare it SORN (Statutory Off Road Notification) to avoid paying for insurance.
Difference between ‘carriage of own goods’ and ‘haulage’?
It’s all about what – and who – you’re transporting.
Carriage of own goods is for trades like builders or florists carrying their own tools or products to a job.
Haulage, on the other hand, is for delivering items for customers, like a courier or delivery driver.
Get this wrong and you risk having claims rejected – always match the cover to how you use your van.
What’s the cheapest type of van insurance?
Typically, Third Party Only (TPO) is the cheapest level of cover because it provides the bare legal minimum – covering damage to other people, vehicles or property, but not your own van.
However, don’t assume it’s always the best value.
In some cases, comprehensive insurance can be cheaper depending on your risk profile, van type, and location – so it pays to compare.
Cheap van insurance blog

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