Business and private van insurance
Providing cover for your van
Get reliable van cover that works just as hard as you do.
We’ve been helping our customers find private and business van insurance for a long time – and we know how important it is to take out a policy that provides suitable protection. Without it, you could run the risk of financial losses which will have an impact on your business. That’s why we’re here; to help you secure insurance for your van that offers priceless peace of mind.
Our panel of insurers provide commercial van insurance for delivery fleets, couriers, plumbers, electricians, builders, and many other trades. We can also arrange private van insurance for personal use. Most importantly, we’ll make sure you get back on the road pronto in the event of an accident.
Different types of van insurance
It’s important that you take out a policy that offers you the right amount of protection. The three main levels of insurance are:
Commercial van insurance
Also known as business van insurance and designed to cover you if you use the van primarily for work. We’ve helped thousands of drivers who are self-employed, sole traders and even those who own fleets with mirrored no-claim bonuses from car and multi-vehicle policies
Private van insurance
This will be most suitable for you if you drive the vehicle for things other than work – for example, social or domestic uses. We offer private van insurance that’s quick to arrange, at a price you can afford.
Truck and Pickup
A Choice is one of the few specialist insurance brokers with real experience in the pick-ups marketplace with multi-vehicle policies and UK and European breakdown cover.
"When it comes to van insurance, a one-size-fits-all policy just doesn’t cut it. Every driver has different needs, whether it’s for business or personal use, and that’s why tailored policies are so important. We ensure your cover is flexible enough to meet those individual requirements – offering the right protection at the right price. After all, why pay for what you don’t need when you could get the perfect policy designed for how you actually use your van?"
Van insurance benefits
- Friendly call centre to help answer your queries
- Free dedicated claims line open 24/7, 365 days a year to offer you protection for when you need it the most
- Flexible payment options available.
- Choice of voluntary excesses allowing you to tailor your cover
- Optional extras available so you can shape your policy
Different levels of van insurance
It’s important that you take out a policy that offers you the right amount of protection. The three main levels of insurance are:
- Third party, which is the most basic level. You’ll be covered for any damage you cause to another person or their property, but nothing else.
- Third party, fire and theft provides mid-tier cover. On top of third party, you’ll be insured in the event of your van being stolen or damaged by fire.
- Comprehensive van insurance provides the most robust cover. As well as all of the above, you’ll be able to claim for repairs to or the replacement of your vehicle.
How much does van insurance cost?
It’s hard for us to offer a simple answer to this question because the size of your premium will depend on a number of factors. These include:
- Whether it’s a private or business van insurance policy
- The make and model of your van
- How many vehicles you’re insuring
- Your annual mileage
- Where you keep your van
- Your driving record
Why you can rely on A Choice for van insurance
- We’ve been helping our customers find cover for 25 years.
- During that period, we’ve sold more than 1 million policies, so you can count on our experience.
- We work with a panel of the UK’s top providers to help you find the most suitable private and commercial van insurance.
- All our customers are treated with dignity, respect and without judgement, as part of our core values.
- Authorised and regulated by the Financial Conduct Authority and as members of the British Insurance Brokers’ Association, we work to the highest ethical standards.
Get a quote for van insurance
Taking out insurance for your van doesn’t have to be complicated. We’ve made our online form simple to use. Just fill in some basic personal and contact information, as well as details about your vehicle and driving record. Once we have everything we need, we’ll show you some specialist quotes for you to choose from.
FAQs about van insurance
Yes, it is a legal requirement for you to have at least third-party cover to use your van on the roads in the UK. If you don’t intend to drive it, you can get a Statutory Off road Notification (SORN) , which means you don’t need insurance. But if you drive your van without a policy in place, you run the risk of a fine, penalty points, disqualification or even having your vehicle seized or destroyed.
Your car insurance may also cover you to drive a van but this is by no means a certainty. Always check the terms and conditions of your policy beforehand – otherwise, you risk being penalised for driving without the appropriate insurance.
Yes, we can help you find van insurance for 17-year-olds and other young or new drivers. If you fall into this category, the cost of your cover may be slightly more expensive because insurers typically see you as a higher risk. But we partner with a panel of the UK’s leading providers to help you find specialist van insurance for new and young drivers.
If you use your vehicle mainly for work – for example, to store tools and to travel between jobs – then it will be classed as commercial and you’ll need a business van insurance policy. If you use it mainly for social or domestic purposes, private van insurance will be more suitable.
Unlike van insurance, motor legal protection is not a requirement for you to be roadworthy. It’s designed to make sure you’re not left out of pocket if you’re involved in an accident that’s not your fault. It covers the likes of:
- The cost of making a compensation claim
- Loss of earnings
- Your policy excess
So, while not an obligation, legal protection can offer reassurance. Find out more about our other optional extras.
Yes. It can be hard to find suitable cover if you have a conviction on your driving record but we don’t discriminate based on your history. We treat all our customers without judgment so, if you’ve been turned down for van insurance elsewhere, we’re here to help you.
Get a van insurance quote today
We can help you find the right insurance for your van, whether it be for commercial or personal use. If you would like further information, get in touch or call us on 0330 127 4500.
This page was last reviewed in October 2024.