Van Insurance

Whatever you drive and for whatever reason, we can arrange your specialist van insurance.

Covering everything from small vans through Sprinters and Transits to 3.5 tonne Lutons, we can arrange policies for a wide range of tradespeople, sole traders, businesses and for those who use their vehicle for social, domestic and pleasure purposes.

You’ll find too that we can offer everything both third party and comprehensive policies.*

What’s more we’ll work hard to find you the most appropriate cover at the best price by comparing van insurance quotes from those offered by our specialist panel of insurers.**

  • Small vans to 3.5 tonne trucks.  Models covered include: short and long-wheeled base Ford Transit, Mercedes Sprinter, Renault Trafic, Vauxhall Vivaro, VW Crafter, VW Transporter, Luton vans, Citroen Berlingo, Mercedes Citan, Peugeot Partner, Renault Master, Renault Kangoo…
  • Refrigerated vans.
  • Personal and company vans.
  • Any-driver insurance.
  • Carriage of own goods.
  • Carriage for hire or reward.
  • Haulage.
  • Courier insurance.
  • Impound insurance

Van off the road? Click here for details of specialist SORN van insurance.

Additional cover options – Pick and choose your cover options to get the exact level of protection that you want, with an extensive range to protect you and your vehicle. Options include Breakdown & Accident Assistance, Motor Legal Protection, Excess Protection, Key Care and Road Halo licence defence.

DRIVING IN THE EU: From 01 January 2021, the rules have changed when it comes to riding or driving in the EU. This includes the Republic of Ireland and certain other countries. You will now need apply for a Green Card before you travel. For more details on the countries this applies to and how to get your Green Card, please click here.

* Underwriting terms and conditions  and availability of cover will vary between insurers, **Please ask for details of the insurers on our panel we use to compare van insurance quotes. 


Van insurance quotes: a guide to getting the right deal


If you’re looking to compare van insurance quotes, there’s a few things you should look out for.

You need be sure you’re comparing like-for-like and getting the cover you need.

Whilst price is clearly going to be important, simply going for the cheapest van insurance quotes may not be the best choice.

You could find that the reason the quote is cheap is because it does not cover or fully cover your van because of how you use or keep it.

Insurers will take into account a range of factors to calculate a van insurance premium. These may include the type of vehicle, its value, where it is kept, the annual mileage, who’s driving it and what it is used for.

Van insurance quotesPersonal van insurance quotes

If you use your van for personal rather than business use then you will most likely only need social, domestic and pleasure (SDP) cover.

SDP van insurance quotes cover named drivers when they use their vehicle for non-work related purposes.

This might be suitable if you use your van simply to do things like bringing home the “big shop” or to support a hobby, like fishing or off-road motorcycling.


Bear in mind though that SDP won’t cover you if you use your van to get to work or to the train station where you catch a commuter service. Commuting is not covered by SDP insurance. Unlike with car insurance, you cannot get SDP + C which includes cover for commuting. You will need get van insurance with carriage of own goods cover (see below).

You may also want to consider whether you want comprehensive, third party fire and theft or third party only  personal van insurance.

Third Party Only van insurance (TPO)

TPO insurance will not cover the cost of repairing or replacing your vehicle following an accident. It will cover only other vehicles and people (third parties) involved. It will also not cover damage to or loss of your van of it is stolen or involved in a fire.

Third Party Fire & Theft van insurance

TPFT insurance will cover third parties as above, plus the cost of repairing or replacing your van if it is stolen or fire damaged.

Comprehensive van insurance

Comprehensive insurance will cover the cost of repairing or replacing your vehicle and those of third parties involved in accident for which you are to blame (a fault accident). It will also cover your van if it is damaged in accident and it is not possible to attribute blame because you cannot identify the responsible third party. An example of this might be if it is damaged whilst parked and the other party drives off without leaving their details.

Van insurance quotesBusiness van insurance quotes

If you use your vehicle or vehicles for work then you will need business van insurance. It is a legal requirement.

The cover that is right for you and your business will depend upon who use your van (or vans) and for what purposes.

Named driver or any-driver van insurance?

If only you or a small number of colleagues or employees (typically a total of four or less) will be driving, then a named driver van policy will likely be suitable.

However, if more drivers need access to your van then any-driver van insurance may be more practical.

This is simply because it gives your business greater flexibility by allowing any of your employees to drive a works van (some policies will, though exclude younger drivers).

Whilst it may be more expensive than named driver van insurance, any-driver cover could save your business time and money through that extra flexibility.

Carriage of own goods van insurance

This protects your own property whilst it is carried in your own van. It is useful for protecting things like tools and equipment which might be essential to your work.

Restrictions may apply. For example, you might be required not to leave goods in your van overnight.

Courier insurance quotesCourier van insurance

If you use your van to deliver goods on behalf of other people then you will need courier insurance.

The main difference between courier insurance and standard van insurance is that the extra road miles a courier puts in will be factored in.

Basic courier insurance will not cover the goods you carry. For this you will need goods in transit cover.

Goods in transit van insurance

This will cover your cargo as you carry it. The cost of cover will be impacted by the type and value of good you cover. For example, the carriage of hazardous or high value goods will load a premium.

If you’re a courier, an insurer will also take into account that you are unlikely to know in advance of the goods you will carry on any particular journey.

What type of vehicles are covered by van insurance?

Whilst we might think we all know what a van is, legally the distinction can be blurred.

For example, some MPV (multi-person vehicle) cars may be classed as vans. This can occur if their chassis is based on a van design. Pick-up trucks are also classed as vans.

If you’re unsure, the easiest way to check is to look at your vehicle’s V5 log book. Under the vehicle category a van will be coded N1, for vehicles designed and constructed for the carriage of goods and having a maximum mass not exceeding 3.5 tonnes. Commercial vehicles at and below that weight limit are classed as light goods vehicles (LGVs)

N2 licences are for vehicles designed and constructed for the carriage of goods and having a maximum mass exceeding 3.5 tonnes but not exceeding 12 tonnes. These are classed as heavy goods vehicles (HGVs).

N3 licences are for vehicles exceeding 12 tonnes and designed for the carriage of goods.

If you require an N2 or N3 licence then rather than van insurance you will require HGV insurance.

A vehicle up to five tonnes with eight or more seats is classed as a minibus (M2), even if it is designed on a van chassis.

Tips for reducing van insurance quotes

van insurance quotes

There are certain things that you simply can’t change to lower your van insurance quote.

Your age, your driving experience and, unless you’re looking for drastic action, where you home or your workplace is!

But to get cheap van insurance – or at least cheaper! – there are some things you might be able do.


  • Secure it. Some insurers may discount your premium if you fit additional, insurance-approved security. These could be products like Thatcham-accredited GPS tracking devices, deadlocks, slamlocks, slamhandles, armourplates and shells and, if not fitted as standard, alarms and immobilisers
  • Stow it. Park your van off-road overnight and, better still, within a locked garage or yard. If you park on the road this will increase your premium in comparison.
  • Increase your excess. You may be able to do a trade-off with an insurer. If you agree to pay more towards the cost of any claim – known as your insurance excess – then your insurer may agree to reduce your van insurance quote in return.
  • Limit your miles. If you are able to limit your annual mileage, this can help reduce your premium.

For your van insurance quote call our specialist team on 0330 024 0097.

You may also be interested in:

Courier Insurance
Fleet Insurance
Motorhome insurance

  • Cover for commercial and private (SDP) use.
  • Carriage of own goods, goods for hire or reward and haulage.
  • All cover levels – from third party only to fully comprehensive.
  • Wide range of trades – logistics, plumbers, builders etc.
  • Wide range of vehicles – small and medium sized, 3.5 tonne, MPV, refrigerated, pick-ups.
  • We’ll find you the lowest van insurance quote from our extensive panel of insurers.

FOR A GREAT QUOTE call 0330 024 0097

For the best quote chat to our friendly and informed UK-based call centre team

the principal call centre team - AT YOUR SERVICE
  • An independent broker, we source the best quotes from the UK’s leading specialist insurers.
  • With no call length targets, our experts take the time to find you the best deal.
  • We’re here to help – with dedicated claims and customer service support.
  • Our freephone quotes hotline open weekdays 8.30am-6.30pm and Saturdays 9am-1pm.

Learn more:

What our customer say about us

Why not choose Principal for motor trade insurance?

Motor Trade Insurance from Us

Do you need help in understanding motor trade insurance? If you’re in the motor trade then you need to ensure your business is effectively protected so that should the worst happen you can welcome back your customers as quickly as possible. But you also don’t want to pay a penny more than you need on your premium. As motor trade insurance brokers, our dedicated Motor Trade Insurance department can help.

Whilst we’re happy to discuss your specific requirements over the ‘phone we’d be happier to still to visit your premises and conduct a free site survey so we can accurately assess risk and secure the best and most effective deal from our panel of leading trade insurers. You’ll also benefit from the personal attention of a dedicated account manager and the ability to create bespoke cover, selecting from a portfolio that embraces combined motor trade, road risk, public and employers’ liability insurances.

What’s more we can arrange protection for any kind of motor trade business including new and used car and motorcycle dealerships, bodyshops, factors, MOT test centres, service and repair garages,

Our Motor Trade Insurance department is lead by Jason Lawford whose extensive commercial and motor trades insurance experience and expertise is at your disposal. For an informal discussion of your business insurance needs you can call him on 0330 024 0135 or email by clicking here.



Classic, Kit, Modified, Performance, Prestige And Private Car Insurance

Car Insurance- Classic, Kit, Modified, Performance, Prestige And Private Car Insurance

You’ve probably been looking for car insurance quotes and car insurance comparisons. Whether hard or soft top, when it comes to car insurance, you’ll find Principal Insurance have it covered. Working with the UK’s leading private car and specialist motor insurers we offer not just great value cover but protection that’s specifically designed to protect the kind of car you own.

So, classic car enthusiasts can benefit from low mileage and laid up policies and, by taking advantage of our free agreed value scheme, ensure their car is properly protected so that, should the worst happen they receive a full and fair settlement. We can also offer you zero-deduction salvage retention rights, like-for-like replacement or repair of modifications, discounts for membership of recognised owners clubs and arrange wedding hire, rally and track day cover. There is also an option to include extensive UK and European breakdown and accident insurance.

Similar benefits can be found for  drivers of high performance and prestige cars who need not pay premiums as supercharged as their vehicles. That’s because we understand that whilst your car might come with more horsepower than a Grand National winners’ reunion, you’re likely treat it with as much care and attention as a champion jockey, taking due care to avoid theft and road risks.

We can even source dedicated kit and replica car insurance which will protect your vehicle as you build it – including goods in transit cover for when you collect and transport components – offer agreed value once it’s completed and then, of course, protect it against road, rally and track day risks. Again discounts are available if you curb your mileage and/or are a member of a recognised owners club.

Naturally we can arrange highly competitive premiums for every level of everyday private car insurance, with a range of benefits available to help you keep costs down, including protected no claims bonus and voluntary excess schemes. You’ll find too that we welcome young drivers and can offer specialist cover for people with speeding or other motoring convictions.

Finally we can help you save not just money but hassle and time through our excellent multi-vehicle insurance. This enables you to protect any combination of car, motorcycle, motorhome, truck or van on a single policy.


* Terms and conditions apply for salvage retention rights and owners club discounts. Please ask for details.


Why choose Principal van insurance?

Van Insurance From Us

Whatever you drive, be it a Kangoo, Transit or Luton van, and whether you drive for business or pleasure, we can arrange van insurance that’s  effective.

Through our extensive panel of leading UK insurers we can offer an impressively broad range of insurance, including any driver van insurance and company van insurance, enabling us to cover everyone, from local tradespeople and businesses, to those of you who use your van to support your lifestyle or hobby.

Options include a range of commercial policies to cover carriage of goods for hire or reward – such as required by couriers and delivery businesses – carriage of own goods and haulage which is designed for those doing long distance point-to-point drops. The policies we offer embrace everything from small vans (e.g. Astravan, Berlingo) Caddy, Partner, Transit Connect), mid-range standard and long wheelbase vans (e.g. Master, Sprinter, Transit, Vivaro) to 3.5 tonne trucks (Luton) and includes pick-up, flat bed and refrigerated vehicles.

For private users we offer a range of social, domestic and pleasure (SDP) policies with a choice of cover and benefits.

Because grey areas exist which could leave you exposed, our insurance team are on hand to determine whether you need SDP or one of the commercial van insurance options available.

With our expertise, market knowledge and access to the UK’s leading van insurers we’ll help you load up a great deal!