Van Insurance
Smooth riding with our
van insurance
5 Star rated cover
Our Admiral, Gold and Platinum comprehensive cover have Defaqto’s highest rating
What’s van insurance?
Van insurance protects you financially if your van is in an accident, stolen or damaged.
There are a few types of insurance cover you can choose from. This depends on how you use your van – whether it's for running errands, running your business, or for carrying your surfboard around.
What level of cover do I need?
Which policy you choose depends on a few things, including your van’s class of use. We have four class of use levels for you to choose from:
- Social
- Social and commuting
- Own goods
- Carriage of goods for hire and reward
It’s important to know what each class of use covers so you pick the right option for you.
Social
If you plan to use your van for personal trips and not to commute, Social cover could be the best option for you.
This cover is perfect if you use your van for leisure activities like surfing or fishing.
Social and commuting
Planning to use your van for travelling to work and daily trips?
You’ll need Social and commuting cover to protect you for travel to and from a single place of work.
Own goods
Tradesmen such as builders, carpenters and plumbers who use their van for their business need Own goods cover.
This cover also suits people who need to drive between more than one place of work such as social workers or classroom assistants
Carriage of goods for hire and reward
If you use your van to deliver third-party goods, you’ll need Carriage of goods for hire and reward.
This is great for couriers or furniture removers who earn money by using their van to deliver goods for others.
What does Van Insurance cover?
When you compare van insurance quotes, it’s not all about choosing the insurer offering cheap van insurance - price shouldn't be your main deciding factor. You need to look at what's actually included in the price. Our Admiral, Gold and Platinum comprehensive policies include these features as standard.
Windscreen Repair
Policyholders are eligible for the repair and replacement of windscreens subject to their policy excess (excluding Essential tier).
Courtesy Van
You'll have use of a car derived van, while your vehicle is being repaired at an Admiral-approved garage.
European Cover
Up to 90 days' cover in Europe so you can enjoy a driving holiday in France without having to arrange extra cover (excluding Essential tier).
£5,000 Personal Injury Cover |
£5,000 of personal injury cover for you and your partner. |
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Sat-Nav and Personal Belongings Cover |
If your personal belongings are damaged or stolen in your van, we’ll cover the cost — but only up to the limit of the cover level you chose. This doesn’t apply if you picked the Essential level |
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24 Hour Emergency Helpline |
Comprehensive and third party, fire & theft customers can call if they have an incident and we're liable for the damage. |
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Bonus Match |
Insure a second van with us and - in most cases - we'll match your no claims bonus on that vehicle too. |
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Stereo Cover |
Unlimited cover for your vehicle's standard, manufacturer fitted audio or visual equipment.
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Compare our van cover levels
To help you choose the right level of cover, we’ve compared them below.
Don’t forget, policy limits and exclusions always apply!
Comprehensive Cover
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Motor Legal Expenses |
Optional | Optional | ||
Roadside Breakdown Cover |
Optional | Optional | Optional | |
Courtesy Van |
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Uninsured Driver Promise |
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£5000 Personal Injury Cover |
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24hr Emergency Helpline |
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Replacement Lock Cover (up to £500) |
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Child Car Seat Cover |
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£150 Sign Writing/Graphics Cover |
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Personal Belongings Cover |
Up to £300* |
Up to £300* |
Up to £200* |
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Windscreen Cover |
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New Vehicle Replacement (Subject to criteria) |
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European Cover for up to 90 days |
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Audio Equipment Cover (Aftermarket) |
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Onward Travel (up to £150) |
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Driving Other Vehicles |
Third Party Cover
Third party, Fire
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Third Party
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Motor Legal Expenses |
Optional | Optional |
Roadside Breakdown Cover |
Optional | Optional |
Courtesy Van |
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Uninsured Driver Promise |
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£5000 Personal Injury Cover |
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24hr Emergency Helpline |
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Replacement Lock Cover (up to £500) |
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Child Car Seat Cover |
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£150 Sign Writing/Graphics Cover |
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Personal Belongings Cover |
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Windscreen Cover |
Optional | Optional |
New Vehicle Replacement (Subject to criteria) |
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Driving Other Vehicles |
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European Cover for up to 90 days |
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Audio Equipment Cover (Aftermarket) |
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Onward Travel (up to £150) |
*Personal belongings cover increases to £500 for campervans
What do I need to get a van insurance quote?
Before you start your insurance quote, you’ll need to give us a few details about your van. This includes things like the type of van you have, your personal details and driving history.
Here’s what we need:
Van registration number and details
We'll need to know the number of seats, when you bought the van and if it has any security features.
Driver details
You’ll need to give us your (the driver’s) name, address, job and driving history. This includes things like claims and motoring offences.
Type of cover
Tell us what type of cover you want for your van.
We’ll also need to know things like your estimated annual mileage and where you will keep the van overnight.
What the experts say
Our Head of Van, Mark Bishop, says:
It's really important to choose the right class of use. This means the type of insurance that best fits what you use your van for. That could be commuting, socialising or business, for example.
If you choose the wrong class of use, you could end up paying more for your insurance than you need to.
Types of van insurance
We have three types of van insurance, similar to our car insurance:
- Comprehensive
- Third Party, Fire & Theft
- Third Party Only
Comprehensive
Comprehensive cover provides the highest level of insurance for your van. It includes Third Party, Fire & Theft. This means you can claim the costs for repairing or replacing your van if it gets damaged in an accident or on purpose.
Third Party, Fire & Theft
You may feel that Third Party, Fire & Theft is enough cover for you.
It protects your van from damage caused by fire or theft but not if your van's damaged in a crash. We’ll also pay out to the other driver if you're involved in an accident.
Third Party Only
This is the minimum cover you can get and will protect you if you cause damage to someone's property or vehicle, or you injure them while driving.
Third Party Only cover also protects your passengers if they are injured in your van. This type of cover will not pay out if your van is stolen or damaged in a fire.
How can I make my van insurance cheaper?
If you want to try and make your van insurance premium (cost) cheaper, there are a few things you can do.
Increase your voluntary excess
Your voluntary excess is what you choose to pay yourself when you make a claim, on top of your compulsory excess.
Increasing your voluntary excess can lower your yearly premium. Just make sure you’re able to pay the compulsory and voluntary excess if you need to make a claim.
Improve security
By adding some security features to your van, you might be able to lower your insurance premium. Using strong locks and parking in a safe location (such as a garage) can help boost your van’s security. This might also lower your insurance price.
Lower your mileage
A high annual mileage is often linked to a higher premium. Check that you’re not doing fewer miles yearly than the estimate you’ve put on your policy.
For example, if you’ve estimated your annual mileage at 10,000 but only drove 7,000 last year, consider lowering your mileage. You can do this by getting in touch with us.
Your van, car and home insurance in one place with MultiCover
If you also have a car at home, you can combine your van and home insurance on one policy - saving you time and money.
You’ll have just one renewal date with your vehicles and home all on one policy. And, you’ll get a discount!
Call us on 0330 134 3208 to get a quote or visit our MultiCover page for more information.
Read more about our customers' experiences
We care what our customers have to say about us.
Need to make a claim?
You can start a new claim or manage an existing one in our claims section.
Before you start your claim, make sure:
- You have your policy number
- You’ve checked your policy book to see if we cover what you want to claim for
New Vehicle Replacement cover
Our Comprehensive van insurance (for policies sold from 1st February 2019) includes Vehicle Replacement cover as standard. This isn’t included on our Essential level of cover.
You’ll be covered if:
- your van is less than a year old
- you're the first registered keeper
- you're the second registered keeper - so long as it was first registered to the dealership where it was bought and has covered under 50 miles when bought
- your van is stolen and unrecovered; or
- your van is damaged and is covered by the policy, and the cost of repair is more than 59% of the current UK list price (including VAT)
With Comprehensive cover, we’ll replace your van with one of the same make, model and specification. This doesn't include Essential level.
We need permission from anyone who has an interest in your vehicle (such as your finance provider) before we can offer you this benefit.
Once we've settled your claim and replaced your van, we'll then own the lost or damaged van.
You won't be covered if:
- the original purchase invoice isn't available
- your van was not supplied as new in the UK
- you bought your van under a finance or lease agreement where ownership doesn’t pass on to you
- you bought the van as ‘ex-demonstrators’ or ‘nearly new’
- it's a campervan or motorhome
If you don’t want us to replace your van, or a van of the same make, model and specification isn’t available from UK stock, the most we’ll pay is the market value at the time of loss (minus any excess).
Pick the right cover and policy
add-ons for your van
Personalise your cover with our policy upgrades
Find out more about our Van Insurance upgrades, which can be easily added to your cover.
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Hire Vehicle Cover
Stay on the road if your van’s damaged and being repaired or written off or stolen and unrecovered.
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Personal Injury
Cover if you’re injured, even when you’re in someone else’s van
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Motor Legal Expenses
Help with legal costs if you're involved in a non-fault accident and your claim’s likely to succeed.
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Breakdown
Take advantage of our 24/7 response team 365 days a year if you breakdown
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Van Contents Cover
Protect your precious cargo with this policy upgrade
Your Questions Answered
Still got questions? We’ve got you.
Will Admiral Van Insurance cover me for business use?
Yes. Admiral has four types of cover of van insurance:
- Social: For personal use only, like shopping trips and running personal errands.
- Social and commuting: Covers travel to and from one workplace alongside leisure activities.
- Own goods: For tradespeople or professionals using their van for work and carrying tools or equipment.
- Carriage of goods for hire & reward: For delivering third-party goods, like couriers or movers.
If you use your van for both social and work purposes, you will need Own goods or Hire and Reward included on your policy.
Will I be covered if my van is modified?
You need to tell us about any modifications you make to your van. There are some modifications we will insure under your cover, and some we won't. If any modifications are damaged, this may be replaced with original parts.
We'll let you know if we're able to cover your modifications when you're getting a quote
Let us know if you already have a policy with us and you make some new modifications to your van. We’ll check if we can still cover you and that the changes don't invalidate your policy.
I'm a young van driver - how can I save money on my insurance?
If you're looking for ways to save money on your insurance, black box van insurance could be for you.
This is where we fit a small unit in your van which analyses your driving and if you're a safe driver, you'll get a discount at renewal.
This means you could save money if you drive your van safely.
To get black box insurance, give us a call on 0333 234 0036.
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