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Cheap Van Insurance

Compare & switch to save £100s

Like motorcyles and cars, vans must be insured to be driven legally on the roads. However, that doesn't mean that cover has to be expensive.

Speedily search over 50 providers in just 10 minutes to save £100s on your van insurance.

Step 1: Getting the right cover

The price of cover depends on the insurer, the level of cover and how risky you're perceived to be.

Most of the issues for vans are identical to those for car owners, so read the basics of Car Insurance too, such as getting your job right (see Car Insurance Job Picker tool to show the riskiest jobs). See the following quick questions for more.

Quick Questions:

I use my van for business. Do I need special cover?

Do you need speedy repairs?

Are my trailers covered?

Are my van contents included?

Will my cover include transporting hazardous goods?

Is it cheaper to pay monthly or annually?

My van is currently off the road. Do I need a SORN?

Step 2: Find the cheapest quotes

As premiums depend on an individual's unique circumstances, there's no single cheapest provider. The key is to get the most quotes in the shortest amount of time, then investigate the cheapest ones further.

The quickest way to do this is via comparison sites. It's a very quick and easy way to quickly cover a huge chunk of the marketplace in minutes. Yet there are big things to remember...

  • Always double check your results. What to check

  • Your data is being given to insurers. What insurers may do

Compare in the following order

Searches more than 50 brands

The Van Insurer*

GoCompare
  • Clearly shows the prices and benefits added or not included.
  • Simple list of insurers, with telephone numbers if needed.
  • 'One click' option to get quotations on comprehensive, third party fire and theft, and third party only.
  • Clearly shows benefits included or not included.
  • Defaults to an excess of £500.
  • Difficult to find the unsubscribe from marketing purposes option.

Searches 45 brands

Gocompare*

GoCompare
  • This easy-to-use site has a handy 'compare and customise' system once you've got quotes, to help you find the one that suits.
  • Clearly shows benefits included or not included.
  • You'll be contacted for marketing purposes unless you unsubscribe.
  • Setting up a password to return to your quotes can be a bit fiddly.

Searches more than 20 brands

MoneySupermarket*

MoneySupermarket
  • Has a simple and clear layout for inputting your details.
  • A separate box lists the types of vehicles excluded.
  • Quick process - via a drop-down box - to get prices for comprehensive, third party fire and theft, and third party only.
  • Defaults to a £150 excess.
  • Limited edit function.
  • Difficult to find the option to opt out of marketing contacts.

Searches 19 brands

Confused*

Confused
  • Has a simple and clear layout for inputting your details.
  • Clear results layout.
  • Clearly shows benefits included or not included.
  • Defaults to an excess of £250.
  • Very limited edit function.

Check the big 'uns they miss...

Aviva

Aviva*: In addition to a 10% online discount for your van, insure a 2nd vehicle (which can be a car or van) with Aviva* and you could save up to 33% through its Aviva MultiCar discount. Both vehicles must be registered at the same address.


Direct line

Direct Line*: Insure more than one van via Direct Line*, you will get an extra 10% off per van. See Direct Line Together* for details how to get extra discounts on other Direct Line policies in your household.

Once you've found the cheapest

Once you've found the cheapest from the screenscrapers, there are two important checks to make:

  • Double-check the quotes

    Click through to the insurance provider's own website to double-check the quotes. To speed up searches, comparison sites sometimes make a few assumptions.

  • Examine how you're covered

    Is the policy suitable for you? If you want out-of-hours contact, is it included? It's worth playing around with some of the policy details to see the impact on the price. For example, try tweaking the excess (the amount you pay towards each claim).

How screenscrapers and brokers work

Screenscrapers may seem like they're doing a similar job, as each search a number of different insurers, yet they're radically different beasts. My favourite analogy for this is to compare it to searching for the cheapest loaf of bread.

Each individual insurer is like a baker, so your choice is simply to buy the cheapest loaf it offers that fits your characteristics. Brokers are the equivalent to supermarkets; they stock a range of bakers' loaves and the price they charge depends on their relationship with the supplier.

Yet screenscrapers are like sending someone to speed round all the supermarkets and bakers to find the cheapest loaf from all of them.

What if my insurer goes bust?

Van breakdown triangle The economic times we live in mean you never know which companies may be the next to have problems. Fortunately, insurance providers are covered by the Government-backed Financial Services Compensation Scheme, meaning if they go into default, you're protected.

The main way this happens is the FSCS will try to find another provider to take over your policy, or issue a substitute policy. However, if you have any ongoing claims, or need to make a claim before a new insurer is found, the FSCS should ensure these are covered. For full details, read the insurance section of the Savings Safety guide.

Step 3: Special deals

While comparison sites offer a large chunk of the deals available in the market, others are only available directly from insurers or brokers. If any of the providers below are among your cheapest, use the links below to buy instead and take advantage of special deals.

AA

5% off for AA Breakdown customers. If you have an AA personal breakdown policy, you are entitled to a 5% discount. Also, if you are an AA car insurance policyholder, you'll also get a discount for taking out an AA* van policy.



Aviva

Online discount. In addition to a 10% online discount for your van, insure a 2nd vehicle (which can be a car or van) with Aviva* and you could save up to 33% through its Aviva MultiCar discount. Both vehicles must be registered at the same address.


Axa

10% online discount. Choose to buy an Axa commercial vehicle policy online and you will get a 10% discount.



Be Wiser

Free RAC cover. Insurance broker Be Wiser offers free RAC membership for policies bought via its website.

Step 4: Grab cashback and haggle

Using the system above should have found you a cheaper quote, but if you're a higher risk driver or just want to get a cheaper price, you can probably save even more.

Check special cashback websites

These are special sites carrying paid links from retailers and financial services providers. In other words, if you click through them and get a product they get paid. Importantly, they then give you some of this cash so you get the same product, plus a cut of its revenue.

Not all insurers are included, and you should never choose an insurer just for the cashback. But if your cheapest does pay out, why not grab it. If you're new to cashback sites, ensure you read the Top Cashback Sites guide for pros and cons before using them. If not, use the Cashback Sites Maximiser to find the highest payer for each insurer.

One thing to remember though - if you've used several comparison sites then buy your policy via a cashback site, it might not track unless you clear your computer's cookies first. Further information on deleting or controlling cookies is available at All About Cookies.
Haggle and save

Haggle

Although the van insurance market is not as competitive as for the car cover space, all companies are desperate to retain business.

Once you've got a decent alternative price from a comparison website, get on the phone and try to haggle (unless cashback's available, as that has to be via the net). There's usually massive price flexibility, but be fully armed with the cheapest quotes.

The first port of call should be your existing insurer. After all, if it can beat or even match the best quote, it saves the hassle of switching policy. If that doesn't work, take it to other insurers.

For more haggling tips, read the full Haggle On The High Street guide and The top 10 firms to haggle with.

Step 5: Remember next year

Don't let your annual renewal policy catch you up and simply sign up for another year with the same insurer. If you apply for cover from your existing insurer as a new customer, it's likely you'll be given a cheaper price.

This is because van insurers - like any company - will happily profit from apathy. That's why renewal notifications are sent a blink's length before you have to cough up, you're then pressured for time and less likely to try and find a cheaper price.

To avoid being forced to decide quickly, diarise a warning six weeks before your renewal date, so there's plenty of time to sort out a new provider. You can use our free Tart Alert to help you.