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Apricot, and all the insurers on our panel, are fully FCA authorised and regulated.

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Our friendly UK team has over 35 years combined experience in car insurance.

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Policies to Suit Your Needs

Add options such as legal expenses cover, breakdown cover, etc.

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All policies are covered by the Financial Services Compensation Scheme for your peace of mind.

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Established members of the British Insurance Brokers Association.

Van insurance UK

Whether you’re running a van for private use (e.g. to go fishing or surfing) or whether you’re running a business, Apricot can help you find affordable van insurance UK with great cover. We can cover you whether your van is a new model or even a classic van. We work with a wide range of leading UK insurers, each of which offer excellent value for certain types of customers. We compare all of these to find you a quote that fits your needs and circumstances. Behind the scenes we have a highly experienced UK team ready to help with your insurance queries. So give us a call today, or click the button to get a quick quote online.

Van Insurance

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What our customers say about Apricot Insurance

Van insurance

Let’s get down to business, because, let’s face it, most vans are sold for that very purpose and it’s important we know the difference between commercial use insurance and private van insurance.

With Apricot Insurance, you can easily compare quotes for cheap commercial van insurance from a range of reputable insurers. In fact, our van insurance quote tool will provide you with instant quotes from top-rated UK insurers.

Getting an online quote is quick and easy. Once you obtain a quote, you can purchase your policy online or by phone.

Do I need van insurance? 

Van insurance is mandatory. It’s a legal requirement to have at least third party insurance for your vehicle, regardless of whether it’s for commercial or personal use.

What is third party coverage?

When you use your van, no matter the use, third party cover protects you in case you injure someone or damage their property. This level of insurance can also cover you for fire and theft by a third party if added.

What is comprehensive van cover?

As opposed to third party fire and theft, comprehensive cover pays out in the event of theft, accidents or crimes causing your van to be damaged, or yourself.

Are van and car insurance the same?

No, and you must know which policy is right for you when you take out insurance. You can drive a van on your insurance policy, but you need to be aware that this only covers you for third party damage and not for damage to the van itself and even that is dependent on the provider, so check.

How can I get cheap van insurance?

There are a few points to consider when trying to find cheap van insurance for your business which we have listed below for guidance:

  • Consider the size of your van, smaller the cheaper
  • Compare van insurance policies, what do you need?
  • Pay annually for your van insurance rather than monthly
  • Status of work and van usage
  • Enhance the security of your van
  • Do not include optional extras that you don’t need
  • Increase your voluntary excess
  • Lower your mileage if possible

Can I drive a work van on my car insurance?

Your name will have to appear on the insurance policy of the van, and if you have insurance for another vehicle, it cannot be transferred. ‘Any driver van insurance‘ taken out by your employer would cover you. You need commercial van insurance unless your van is strictly for personal use, which we will get onto later. Whether you use it for commuting or for working from one place to another commercial insurance will be needed.

Are there any circumstances when I can without my employer’s policy conditions?

If your UK car insurance policy states that you can drive other then you can drive a van or car that isn’t yours and still have peace of mind that you’re covered. This varies from policy to policy though so it’s vital to check the individual terms and conditions. They can all differ.

Can a younger driver get van insurance for a business?

Any driver between the ages of 17 and 24 is considered a young driver by insurance companies, whether they drive cars, vans or most other types of vehicles so premiums would rise considerably.

Why is my insurance so high?

Business van insurance usually costs more than private van insurance since there is a greater chance they will be carrying valuable cargo like power tools. In light of this, premiums are higher because claims are likely to be more expensive.

The average cost of business van insurance varies based on your type of use. In addition, insurance costs are much higher when you are transporting goods for other people.

What is private van insurance?

Do you have a van that’s used for social, domestic or pleasure purposes only? Private van insurance will keep you and your vehicle protected. Plus, our range of private van insurance quotes has something for every driver and budget too.

Similar to car insurance, private van insurance ensures that your vehicle is protected from risks like accident, loss and theft. Just like car insurance, there are different policies available as well as various add-ons.

Does private van insurance include vans used for business?

No, if you use your van for work, you’ll need commercial van insurance. This includes if you use your van for travelling around for work purposes. Private van insurance is purely for personal and social use.

Will car insurance protect my van if only for private use?

No. If you have fully comprehensive insurance on your car, your provider may agree to cover you third party on a borrowed van for say removals, but not if it’s your own van. It’s important that you identify whether your vehicle is a van or car beforehand. If you don’t know, you can find this information out using the registration number.

Can I get any policy add-ons with my private van insurance?

Yes, just like car insurance, you can add on cover for breakdown, legal costs, key loss and personal accidents. If you want to protect the items in your van, you may need separate contents insurance. But if these contents are associated with your business, you’ll need commercial insurance.

How can I reduce my private van insurance quote?

Shopping around and comparing quotes is the easiest way to find a good van insurance deal, which is why we’ve done all the hard work for you. There are also some additional things you can do like adding an older more experienced driver to your policy, parking it off-road at night, and reducing your annual mileage.

Let us at Apricot Insurance take the strain from sifting through all the company choices and all the policy choices, we work with the UK’s leading insurance companies to find you the best van insurance quotes. Get a cheap van insurance quote at Apricot today.

* 15.6% of customers paid £45 per month or less for van insurance from July 2020 to June 2021.