Van insurance quotes

You pay Vancova nothing. The specialist pays PJG Financial Limited a fee. The specialist explains the cost of any policy before you decide.

Yes. You need at least third party motor insurance to drive on UK roads, and the registered keeper must keep the van insured unless it has a SORN. A quote alone does not put cover in place.

Carriage of own goods is for work trips with your tools, materials or stock. Hire and reward is for carrying others’ goods for payment; neither insures the goods themselves. Tell the specialist if you sell and deliver your own stock.

Even one business trip needs business cover, including client visits and trips between jobs. Being a sole trader does not decide your class of use. Tell the specialist about your journeys and delivery work.

Many business van policies include personal use, but not all. Tell the specialist about personal trips before choosing a policy. Check the permitted uses on your certificate of motor insurance.

Have the make and model ready and tell the specialist you do not have the registration yet. Those details can help with a quote enquiry. Check the registration is correct on the policy once you have it.

Yes. Declare changes from the original specification, including racking, roof bars, signwriting, wheels and conversions. Tell the insurer about further changes after the policy starts, even if they seem minor.

No. Insurance starts only when a policy is in place and its agreed start date and time have arrived. The specialist arranges any policy you choose; check your documents before driving and keep track of renewal.

Choose personal driving in the form. Tell the specialist about commuting and occasional work trips too. Read our personal van insurance guide for more.

Personal use excludes commuting. Commuting adds trips to one regular workplace; carriage of own goods covers work trips with your tools or stock. Hire and reward is for carrying other people’s goods for payment.

Third party covers injury or damage to others. Third party, fire and theft adds fire and theft cover for your van. Comprehensive can also cover damage to your van; all cover is subject to policy terms.

Your van’s make, model, age, value and size can affect the price, as can its use, your job, postcode and parking. Mileage, drivers’ ages, experience and records, no claims discount, cover and excess matter too.

Ask about cover levels, security and no claims discounts. Use realistic mileage and check whether a higher excess is affordable. Paying annually may cost less than monthly; check both totals.

Tools and goods in transit usually need extra or separate cover. Breakdown, legal expenses and a courtesy van may be extras or policy benefits. Public liability is usually separate; ask the specialist about limits and terms.