Van Insurance
Zego
VAN INSURANCE
Van insurance you can rely on
Cover for everyday driving, work or business use. Manage it all in the app.
Manage your policy online or in the app
Cover for all types of work
Choose from a range of optional extras
- Get a quote
- What is van insurance?
- Van insurance is a type of policy that covers your van while it's being used for work or personal driving. It keeps you protected if you're involved in an accident, or your van is damaged or stolen.
As vans are different from regular cars, and typically used for different reasons, the insurance requirements tend to be different, too.
Whether you’re a self-employed tradesperson using your van for work, or a proud new van owner dreaming of weekend escapes, we’ve got you covered.
- Van insurance uses
- When it comes to insuring your van, it's important to have the right type of cover, especially if you’re using it for work or business reasons.
- Business van use
- Van for business use is cover for vehicles used for work or business driving. Whether you're a tradesperson, contractor or own a business that relies on vans, van for business use will keep you protected when you’re out on the road.
- Get a business van quote
- More on business van use
- Courier van use
- Van for courier use covers drivers who use a van to deliver third party goods. You might hear it referred to as carriage of goods for hire and reward, or simply van delivery insurance. Whether you deliver packages, parcels, documents or furniture, this is the type of cover you need.
- Get a courier van quote
- More on courier van use
- Personal van use
- Van for personal use, also known as private van use, covers you and your van for everyday driving. You might hear it referred to as social, domestic and pleasure van (or SDP for short). It covers you for things like weekends away, hobbies and visiting friends, but it doesn’t cover you for work or business use.
- Quote for personal van use
- More on personal van use
- What cover is available?
- When choosing a van insurance policy, you'll need to decide what level of cover is right for you. Here are the two main types we offer (depending on the type of policy):
- Third Party Only
- This is the minimum legal requirement, and is only available with our courier van insurance. It covers you for damage to third-party property or injuries caused to others. However, it doesn't cover you or your van.
- Fully Comprehensive
- This is the highest level of protection. With our comprehensive cover, you get all the protection of a third party policy, plus cover against theft or damage to your vehicle. You can also choose add-ons to boost your cover.
- What’s included with Zego's van insurance?
- Accidental damage: This will cover you for repairs or the replacement of your van if it's damaged in an accident.
Third party liability: If you're a courier and you accidentally injure someone or damage their property while working, this covers any legal fees or compensation payouts you might have to pay.
Personal belongings: If your tools, equipment or personal belongings are lost or damaged, this will cover the costs (limits may apply).
Theft and vandalism: If your van is damaged or targeted by thieves, you’ll be covered for any recovery costs or repairs.
Fire and natural disasters: This is protection against damage or loss caused by fire, floods, storms or other natural disasters.
Windscreen and glass: Most comprehensive van insurance policies cover the repair or replacement of damaged windscreens and windows (again, limits may apply).
- What extras can you get with van insurance cover?
- You may be able to upgrade your van insurance policy with optional extras like breakdown cover and replacement vehicle cover.
- Breakdown cover
- Get help if your van breaks down, including roadside recovery and repairs to get you back on the road.
- Replacement vehicle cover
- Get a replacement van while yours is being repaired or replaced, allowing you to keep working.
- What details do I need to get a quote?
- Personal information: Your name, address and contact details, plus the details of any other drivers who will be using the van.
Driving history: Details about your driving experience, including any convictions or claims you’ve made in the past.
Intended use: Tell us how the van will be used, whether that's for making deliveries, transporting your own tools and equipment, or everyday driving.
Vehicle details: We'll need the make, model, registration number and approximate value of your van.
No claims bonus: If you have one, give us the details of any no claims bonus you've earned on previous policies. It could help to lower the cost of your cover.
Extra security features: We may also need to know about any extra technology or security features installed in your van, such as immobilisers, alarms or trackers.
Why we’re the right choice
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policies sold
575k
drivers have chosen us
96%
of Sense drivers save money
How can I get cheaper van insurance cover?
While the cost of van insurance quotes will vary depending on lots of different factors, here are a few things you can do to help reduce the cost of yours.
(Keep in mind that while cost is important, buying a cheap van insurance policy might not give you the cover you need. So try to balance price with the level of protection that your business needs.)
- 1. Check your named drivers
- Including only essential drivers on your policy can help to reduce the cost. If a driver isn’t likely to use the van, it might be better to leave them off the policy. Also, adding inexperienced or high-risk drivers can increase the amount you pay.
- 2. Build your No Claims Bonus
- By driving safely and maintaining a good claims history, you can help to earn a discount each time you renew.
- 3. Secure your van
- Enhancing your van’s security with alarms, immobilisers, or a tracking device can reduce your insurance premium. Parking in a secure area overnight, such as a garage or gated space, may also lower costs, as insurers view well-protected vans as lo