What’s covered as standard?
If you opt for fully comprehensive insurance, you’ll likely get more benefits included as standard. It pays to shop around and compare quotes to find the benefits you need at the right price.
What usually costs extra?
What affects the cost?
There are a number of factors that affect the cost of your policy, here are some of the main ones:
Van insurance FAQs
Are my tools covered on my van insurance policy?
Not usually, no. A broker may be able to help you find an insurance provider that offers some cover, or you could buy a separate goods in transit policy.
This could protect your tools against loss, damage and theft while being transported from one place to another.
Can I insure more than one van?
Yes, but if you have more than one van to cover, you may need commercial or fleet insurance. The good news is, you usually get a discount for insuring multiple vehicles.
Fleet insurance usually covers five or more vehicles, but some insurers offer it on two or more vehicles.
The cover that’s included with fleet insurance may differ to what’s covered with a van insurance policy, so check the policy wording document.
Can I transfer my no claims bonus discount from my car to my van?
Yes, you can transfer it, but you can only use your no claims bonus on one vehicle.
Do I need van insurance?
Yes, it’s a legal requirement to have insurance if you drive a van, in the same way that you need car insurance to drive a car.
Standard Van insurance usually covers vans weighing up to 3.5 tonnes so check the weight of your vehicle to make sure you buy the right insurance for it. Some places offer non-standard van policies, which cover vans up to 7.5 tonnes.
Should I insure my van in my name or my business’ name?
It depends on what’s shown on the Vehicle Licencing Certificate (VLC) or logbook. This confirms whether the van is registered in your name or to your business.
The logbook should match the name on the van insurance policy.
What is open drive?
Open drive covers other drivers to use your van who have a full driving licence and meets any other terms shown in the policy wording booklet.
This may include being a certain age and having a clean driving licence.
It can provide lots of flexibility if you have a big team of workers, however, you’ll pay more for this benefit.