Insurance
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Why use us to compare van insurance quotes?
You could just call around insurers, seeking cheap van insurance on your own, though it will take a lot of time and potentially cost you a lot of money. Van Compare is an independent van insurance specialist with extremely strong ties to insurance companies, brokers and intermediaries. Using us to compare van insurance on your behalf means:
- Cheap van insurance. We pass so much business to van insurance providers that they offer us great rates that the general public, and even other van insurance comparison sites, may struggle to match.
- A quick service. You don’t want to spend hours trawling through directories and calling each and every van insurance firm, repeating the same answers. At Van Compare you fill in one quick form and we do all the legwork.
- Tailor made van insurance. You are unique and so is your business, so we find the van insurance quotes that suit your vehicle and your specific needs.
- Flexible payment terms. Each partner offers online payments and monthly instalment options are available, whatever you prefer.
- Consistently low van insurance quotes. We check market prices on a daily basis, via our unique van insurance comparison system, which links up with all leading UK van insurance companies.
So much more than just a van insurance comparison site
Simply complete the easy online van insurance quote form to gain a choice of competitive prices, policies and benefits from a wide range of van insurance schemes. If you prefer to compare van insurance in person then call our UK based team of specialists for assistance. In many circumstances we are able to beat our online van insurance quotes by asking just a few additional questions.
Struggling to find cheap van insurance quotes? Then use Van Compare, the UK van insurance comparison site. Simply complete our quick quote form now.
UK van insurance quotes explained
The world of van insurance can be a minefield of jargon and even the smallest change to a policy can sometimes make quite a difference on the van insurance quotes you receive. Here’s a brief guide into how it all works and some tips to help you get cheap van insurance quotes and to make sure you end up with the right cover.
Compare van insurance quotes of the same type
In the UK, van insurance is a legal requirement if you are to drive a van on the roads. A van insurance policy allows you to drive your van, provided it is under 3.5 tonnes. There are three levels of van insurance cover available for you to choose from, so when comparing van insurance quotes, make sure they are on a like for like basis.
- Third Party Only van insurance: The most basic type of van insurance is Third-Party Only and it covers your liability for bodily injury or death to others and their property.
- Third Party Fire and Theft: This includes the above third party risks, as well as risk of fire damage and theft of your vehicle. Select van insurance providers will also cover the contents of your van and items such as the CD player.
- Comprehensive cover: Inclusive of Third Party Fire and Theft cover, comprehensive van insurance policies also cover the loss of, or damage to, your vehicle caused by an accident or vandalism. Some van insurance companies will include personal accident benefit within their comprehensive cover, should you be injured or die in an accident.
Please note that the specific cover will depend on the insurance company chosen and the policy taken out. We will advise you on policy limitations when you ask us to compare van insurance on your behalf.
How van insurance quotes are calculated
Van insurance companies classify vehicles into groups. You have probably heard of the 20 group rating scheme that car insurance is subject to, and van insurance is really no different. Insurers rate each van with a number, usually between 1 and 20, with regard to how much of a risk they believe it is. If your van is in a higher group then it is considered quite risky so will be more expensive to insure, whereas owners of lower group vans will enjoy cheap van insurance.
The groups are chosen after examining the historical accident rate with that type of van, as well as the likely cost of repairing it following an accident. Usually, the larger and heavier the van, the more it is thought to be harder to drive and expensive to repair, so van insurance quotes will likely be higher for a large van.
How UK van insurance companies class your vehicle
The majority of van insurance companies use five categories within which they place vans as the starting point for calculating the insurance group.
- Car-derived vans: These are vans that look like common cars and drive just like them, though the back windows are filled in with metal instead of glass and the rear seats have been replaced with a flat area to carry loads. The Vauxhall Astravan and the Ford Fiesta van are examples of car-derived vans.
- Micro vans: The smallest type of van that isn’t derived from a car, micro vans are generally used to carry small deliveries. The Citroen Nemo and Peugeot Blipper are counted as micro vans.
- Small/light vans: Whilst from the front these vans look similar to a car, the rear will often have hinged double doors and a raised roof. A common small van is the Volkswagen Caddy.
- Medium/panel vans: Panel vans are popular due to their easily accessible doors and large load capacity. The Ford Transit and Mercedes Sprinter are common panel vans.
- Large vans: Capable of carrying very large loads, these vans will often have a double-axle at the back supporting four rear wheels. The Luton van, often used by independent removals firms, is a typical large van.
There are factors other than size which dictate the price of van insurance quotes, including the size of the engine and whether it is petrol or diesel, whether the van is manual or automatic and the level of security system installed.
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