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.
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.
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.
Crammed with features and benefits
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 comprehensive policies include these features and benefits as standard.
Policyholders are eligible for the repair and replacement of windscreens (excess applies).
Use of a courtesy van while your van is being repaired at an Admiral approved garage.
Up to 90 days' cover in Europe so you can enjoy a driving holiday in France without having to arrange extra cover.
£5,000 Personal Injury Cover
Get £5,000 of personal injury cover for you and your partner.
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 £200 to help you replace them.
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.
Insure a second van with us and, in most cases, we'll match your No Claims Bonus on that vehicle as well.
Unlimited cover for your vehicle's standard, permanently fitted audio or visual equipment.
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 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 Connect
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)
- 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).
Make sure you pick the right cover and policy upgrades for your van
Personalise your cover with our policy upgrades
Find out more about our Van Insurance upgrades, which can be easily added to your cover.
Hire Vehicle Cover
Stay on the road if your van’s written off or stolen
Cover if you’re injured, even when you’re in someone else’s van
Motor Legal Protection
Help with legal costs if you're involved in a non-fault accident and your claim’s likely to succeed.
Take advantage of our 24/7 response team 365 days a year if you breakdown
Van Contents Cover
Protect your precious cargo with this policy upgrade
Need to make a claim?
Start a new claim or manage an existing claim in our claims section.
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.
Do I need a green card to drive in the EU?
The UK government has confirmed that Green Cards are no longer required to drive in:
- Countries in the European Union (EU)
- Countries in the European Economic Area (EEA)
- Bosnia & Herzegovina
We don’t supply Green Cards for any other country. Essential tier customers will need extra cover to drive abroad.
Can I add a van to my Multi Car policy?
Yes, you can add cars and vans to both MultiCar and MultiCover policies.
Is my van insured?
The easiest way to do a van insurance check is to enter the number plate on the Motor Insurer's Database - it's free and tells you if your vehicle's insured as well as confirming the make and model.
Can I drive other vehicles under my van insurance?
No, the driving other vehicles extension is not available on van insurance.
Does van insurance include European cover?
Yes, Admiral Van Insurance comprehensive cover includes up to 90 days' cover for driving in Europe as standard.
Will modifying my van invalidate my insurance?
To make sure your modified van is covered by your insurance and your modifications don’t invalidate your policy, you’ll need to tell us about any changes you make, both now and in the future.
Bear in mind that although we insure modified vans, the actual modifications themselves aren’t covered. The only exception to this is where your van has been altered to accommodate disability – just make sure you tell us about the modification so we can agree to cover it.
Does Admiral Van Insurance cover the goods/tools I carry?
No, this policy doesn’t provide any cover for goods and tools as standard. Our Vehicle Contents Cover upgrade covers you if your goods, tools, materials and stock are stolen from your vehicle, damaged in an accident or fire, or if your vehicle is stolen with them inside.
How do I make a claim?
Please refer to our Make a Claim page for details on how you can claim.
What is an excess?
An excess is the amount you must pay in the event of any claim, regardless of who's to blame for the incident. The excess will vary depending on the car that is covered, the age and experience of the drivers on your policy and if you have opted to take protected or guaranteed No Claims Bonus protection. Details of your policy excess can be found on the reverse of your Policy Schedule.
What is a No Claims Bonus?
Every year you drive without making a claim or having a claim upheld against you, you earn an additional year of NCB, which can lead to discounts off your renewal premium. Your No Claims Bonus builds up to a maximum of 15 years.
Find out more about no claims bonus in this handy guide.