Van insurance

Car insurance quotes available online in just a few minutes

Most van insurance companies offer discounts or other benefits if you buy online - here we've gathered together some of the best online deals so you can compare and contrast - meaning that you should get the best van insurance policy for you and your business. Terms and conditions will vary so make sure you read the policies carefully and that the cover meets your needs.

Our top tip in finding cheap van insurance is to shop around and take advantage of discounts. Cheapest van insurance quotes are found online but go direct to the providers website, a price comparison website may not be as cheap. We have listed some of the best van insurers from the UK on the right with links to their websites for a free quote in minutes.

Insurance approved security also keeps van insurance costs down, a factory fitted or aftermarket insurance approved Thatcham category 2 immobiliser or Thatcham category 1 alarm and immobiliser should help, parking your van off road overnight also reduces premiums. If you do not have any No claims bonus check for special introductory offers. Extra security features can also be added to your van such as steel plate lock protection, deadbolts and slam locks which are designed to protect the cargo area. Anti van jacking systems also protect against theft and work by immobilising the van if it is driven off without authority, a simple ID card or GPS/GSM remote control systems are available.

Van insurance is a legal requirement and provides you with cover against potentially very high costs. If you cause an accident that results in loss of life or permanent injury to other people, the cost of the claim can be into millions of pounds. You cannot drive a van without a valid van insurance policy and there are fines and penalties, including jail if you are found to be driving without having van insurance cover.

The 3 categories of van insurance are;

• Third Party Only, covers the policyholder against damage to a third party's property or to the third party themselves, a Third Party Only policy will pay for the repair to that other vehicle, and will pay for any medical claims or injuries suffered by the occupant(s) of that other car and any passengers in your car other than you. A Third Party Only policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses and if your vehicle is stolen or sets on fire, a Third Party Only policy will not make any payment toward the theft or repair of the vehicle.
• Third Party Fire & Theft, exactly the same as the Third Party Only policy, but will also pay out in the event that your vehicle is stolen or sets on fire.
• Fully Comprehensive, will pay-out for third party damages and injuries, will pay-out in the event of your vehicle being stolen or set on fire, and will also pay for any damage to your own vehicle (regardless of whose fault the accident was).

If the trade value is not high then it may be worth going for Third Party Fire and Theft cover or just third party only as opposed to Fully Comprehensive.