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Van Insurance
5 Star rated cover
Our Admiral, Gold and Platinum comprehensive cover have Defaqto's highest rating
All major van types
We insure models up to 3.5 tonnes and electric vans up to 4.25 tonnes
Courtesy van
We’ll give you a courtesy van while yours is repaired at a garage approved by us
What’s van insurance?
Van insurance protects you financially if your van is in an accident, stolen or damaged.
There are a few types of cover you can choose from depending on how you use your van, like business or personal use.
Which type of cover is right for me?
Van Insurance - sometimes called commercial van insurance or business van insurance - is the cover you need to keep your business running smoothly.
We have four levels of cover for you to choose from - Social, Social and Commuting, Own Goods and Carriage of goods for hire and reward.
Social
If you only plan on using your van for personal trips and not to commute, Social cover could be the best option for you. This cover is perfect if you plan to use your van for leisure activities that require a bit more space such as surfing and fishing.
Social and Commuting
Planning to use your van for travelling to work and day to day trips? You’ll need Social and Commuting cover. You’ll be covered for travel to and from a single place of work.
Own Goods
Tradesmen such as builders, carpenters and plumbers who use their van in connection with their business will need Own Goods cover. This cover will also suit people who need to drive between more than one place of work such as social workers or classroom assistants.
If you use a van to transport tools, stock or merchandise then you may want to look at our Vehicle Contents Cover upgrade (formerly known as Goods and Tools), similar to Goods in Transit insurance. It's a higher level of contents cover which specifically covers the contents of your van. It will help you to recover costs if the van's contents are stolen or damaged.
Carriage of goods for hire and reward
If you use your van to deliver third party goods you’ll need Carriage of goods for hire and reward. Perfect for couriers or furniture removers who earn money by using their van for deliveries of third party goods.
What does Van Insurance cover?
When you compare van insurance quotes, it’s not all about choosing the insurer offering cheap van insurance - price shouldn't be your main deciding factor. You need to look at what's actually included in the price. Our Admiral, Gold and Platinum comprehensive policies include these features as standard.
Windscreen Repair
Policyholders are eligible for the repair and replacement of windscreens subject to their policy excess (excluding Essential tier).
Courtesy Van
Use of a small, car derived vehicle while your Van is being repaired at an Admiral approved garage.
European Cover
Up to 90 days' cover in Europe so you can enjoy a driving holiday in France without having to arrange extra cover (excluding Essential tier).
£5,000 Personal Injury Cover |
Get £5,000 of personal injury cover for you and your partner. |
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Sat-Nav and Personal Belongings Cover |
If your personal belongings or effects are damaged or stolen while in your van, we'll pay up to the limits of the level of cover you have chosen (excluding Essential tier). |
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24 Hour Emergency Helpline |
Comprehensive and third party, fire & theft customers can call if they have an incident and we're liable for the damage. |
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Bonus Match |
Insure a second van with us and, in most cases, we'll match your No Claims Bonus on that vehicle as well. |
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Stereo Cover |
Unlimited cover for your vehicle's standard, manufacturer fitted audio or visual equipment.
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Compare our cover levels
To help you choose the right level of cover, look at how they compare below.
Comprehensive Cover
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Motor Legal Protection |
Optional | Optional | ||
Roadside Breakdown Cover |
Optional | Optional | Optional | |
Courtesy Van |
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Uninsured Driver Promise |
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£5000 Personal Injury Cover |
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24hr Emergency Helpline |
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Replacement Lock Cover (up to £500) |
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Child Car Seat Cover |
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£150 Sign Writing/Graphics Cover |
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Personal Belongings Cover |
Up to £300* |
Up to £300* |
Up to £200* |
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Windscreen Cover |
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New Vehicle Replacement (Subject to criteria) |
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European Cover for up to 90 days |
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Audio Equipment Cover (Aftermarket) |
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Onward Travel (up to £150) |
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Driving Other Vehicles |
Third Party Cover
Third party, Fire
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Third Party
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Motor Legal Protection |
Optional | Optional |
Roadside Breakdown Cover |
Optional | Optional |
Courtesy Van |
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Uninsured Driver Promise |
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£5000 Personal Injury Cover |
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24hr Emergency Helpline |
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Replacement Lock Cover (up to £500) |
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Child Car Seat Cover |
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£150 Sign Writing/Graphics Cover |
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Personal Belongings Cover |
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Windscreen Cover |
Optional | Optional |
New Vehicle Replacement (Subject to criteria) |
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Driving Other Vehicles |
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European Cover for up to 90 days |
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Audio Equipment Cover (Aftermarket) |
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Onward Travel (up to £150) |
*Personal belongings cover increased to £500 for campervans
What do I need to get a van insurance quote?
Before you start your insurance quote, you’ll need to have a few details about your van to hand including the type of van, driver’s personal details and driving history. Once you’ve decided what type of cover you need, hit the quote button below and have the following details ready:
- Van registration number and details
We'll need to know the number of seats, details of when you bought the van and if it has any security features - Driver details
Here we'll ask for the driver's name, address, job and driving history - things like claims and motoring offences - Type of cover
You'll need to know what type of cover you want for your commercial van as well as your estimated mileage and where the van will be kept overnight
Levels of van insurance cover
Just like car insurance, you’ll need to decide whether you want Comprehensive, Third Party, Fire & Theft cover or Third Party Only cover.
Comprehensive
Comprehensive cover is the highest level of cover you can buy; it includes Third Party, Fire & Theft and will pay out to repair or replace your van if it's damaged in an accident or suffers malicious damage.
If you don't feel you need comprehensive cover for your van, you can choose between Third Party, Fire & Theft or Third Party Only cover.
Third Party, Fire & Theft
You may feel Third Party, Fire & Theft is enough cover for you - it protects your van from damage caused by fire or theft but not if your van's damaged in another way such as a crash. However, Admiral will pay out to the other driver if you're involved in an incident.
Third Party Only
This is the minimum cover you can get and will protect you if you cause damage to someone's property or you injure them while driving. Third Party Only cover will also protect your passengers if they suffer an injury while they're in your van. This type of cover will not pay out if your van is stolen or damaged in a fire.
Top 10 vans
We cover hundreds of different vans but these are the most popular.
Ford Transit |
Vauxhall Vivaro |
Renault Trafic |
Mitsubishi L200 |
Citroën Berlingo |
Ford Transit Connect |
VW Transporter |
Vauxhall Combo |
VW Caddy |
Ford Transit Custom |
New Vehicle Replacement
Comprehensive Van Insurance policies sold from 1st February 2019 include Vehicle Replacement cover as standard.
If your vehicle is 12 months old or less and you are the first registered keeper and the vehicle:
- is stolen and unrecovered; or
- suffers damage which is covered by the policy and the cost of repair is more than 59% of the current UK list price (including VAT)
We will:
- Replace your vehicle with one of the same make, model and specification
We must gain authorisation from anyone else who has an interest in your vehicle before we can offer this benefit.
If we settle a claim under this section, the lost or damaged vehicle becomes our property.
What is not covered:
- Any vehicle where the original purchase invoice is not available
- Any vehicle which was not supplied as new in the UK
- Any vehicle purchased under a finance or lease agreement where ownership does not pass on to you
- Vehicles sold as ‘ex demonstrators’ and ‘nearly new’
- Campervans and Motorhomes
If you do not wish for us to replace your vehicle or a vehicle of the same make, model and specification is not available from stock held in the UK, the most we will pay is the market value at the time of loss (less any excess applicable).
Bundle your van, home and car insurance to get yourself a MultiCover deal
If you have a van or car at home, you can combine your vehicle and home insurance on one policy - helping to save you time and money.
Take the hassle out of remembering your home and vehicle renewal dates with MultiCover – van, car and home insurance on one policy - and they’ll renew on the same date.
And best of all, each vehicle or home you add gets its own discount.
Call us on 0330 134 3208 to get a quote or visit our MultiCover page for more information.
Make sure you pick the right cover and policy upgrades for your van
Find out more about our types of Van Insurance cover.
Personalise your cover with our policy upgrades
Find out more about our Van Insurance upgrades, which can be easily added to your cover.
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Hire Vehicle Cover
Stay on the road if your van’s damaged and being repaired or written off or stolen and unrecovered.
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Personal Injury
Cover if you’re injured, even when you’re in someone else’s van
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Motor Legal Protection
Help with legal costs if you're involved in a non-fault accident and your claim’s likely to succeed.
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Breakdown
Take advantage of our 24/7 response team 365 days a year if you breakdown
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Van Contents Cover
Protect your precious cargo with this policy upgrade
Read more about our customers' experiences
We care what our customers have to say about us.
Your Questions Answered
We hope you’ve found everything you need, but maybe you have a few questions. You can find answers in this section.
I'm a young van driver - how can I save money on my insurance?
If you're looking for ways to save money on your insurance, black box van insurance could be for you.
This is where we fit a small unit in your van which analyses your driving and if you're a safe driver, you'll get a discount at renewal.
This means you could save money if you drive your van safely.
Will I be covered if my van is modified?
You need to tell us about any modifications you make to your van. There are some modifications we'll usually cover, and some we don't.
We'll let you know if we're able to cover your modifications when you're getting a quote.
If you already have a policy with us and you make some new modifications to your van, you'll need to let us know so we can check if we can still cover you and that the changes don't invalidate your policy.
Is my pick-up covered by van insurance?
If you've been struggling to find pick-up insurance (pick-ups are vehicles with a front cab and an open cargo area in the back), it could be because you're looking in the wrong place.
This is because pick-ups are classed as vans rather than cars for insurance purposes, even though some people use them as an alternative to a car. This means van insurance is the right choice for you and should cover you regardless of how you use your pick-up - for leisure or for work.
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