Some car insurance policies will allow you to drive other vehicles, including vans, but you will need to check your policy details first. It’s typically only the case with comprehensive insurance policies, and the cover for other vehicles is usually third party only. If you need van insurance, especially comprehensive van insurance, the best option is often to buy a dedicated van insurance policy.

At Asda Money, we have a van insurance comparison service provided by Vast Visibility Limited. Simply complete a quick online form to see a range of van insurance quotes from some of the UK’s top insurance companies.

You'll see all your quotes listed, starting with the cheapest first. You’ll also be able to see the specific prices for Comprehensive, Third Party, Fire and Theft and Third Party Only policies, making it easy to find the ideal policy for you.

The cost of van insurance can differ according to the size of your van, its engine size, its make and model, and any modifications you make, so it’s difficult to pinpoint whether it’s actually cheaper to insure a van or not. For example, a small van with a relatively low-powered engine could be cheaper to insure than a car with a slightly larger engine.

Whilst some van insurance policies can cover campervans, most won’t. If you want to drive a campervan on the road in the UK, you’ll usually need to buy dedicated campervan insurance.

Business van insurance is typically more expensive than social van insurance, as vans used for work are usually driven more often and for longer durations. And the more miles covered, the more likely a van is to be involved in an accident. Business vans also often carry expensive goods or gear, further adding to their insurance risk.

If your no claims bonus is in your own name, you are able to transfer it from one vehicle to another. However, it can only be transferred to one vehicle at a time, and it’s important to keep in mind that certain conditions may apply such as age restrictions.

Third Party

Third party van insurance is the minimum level of cover you need to legally drive in the UK. Third party insurance covers you for damage or injuries caused to other people, and helps you to pay compensation.

However, this level of cover does not help you pay your own injury costs or to repair or replace your van.

Third Party, Fire and Theft

Third party, fire and theft covers the costs of injury and damage you cause to other people in an accident, but also covers any damage your van suffers from fire, theft, or if your van is stolen.

Third party, fire and theft still doesn’t provide you with any financial help to cover your own costs or losses but does give the added peace of mind that you’ll be protected from fire or theft.

Fully comprehensive

Fully comprehensive van insurance gives you the most complete coverage possible, packaging everything from third party, fire and theft insurance and adding protection for you and your vehicle. Each comprehensive policy is a little different, so it’s worth checking what compensation you’re entitled to in the event of an accident.

Other factors you have to consider when buying van insurance are what you primarily use your van for (personal use, carriage of own good or goods for hire, haulage) and what extras you would be interested in, such as breakdown cover and windscreen repair, which could be included within your van insurance policy.