Van Insurance

Trusted for over 25 years

Van Insurance

We offer simple, flexible van insurance whatever level of cover you’re looking for.

Why choose Budget Insurance?

We know that as well as great insurance you also want peace of mind and the reassurance that your homes, vehicles and lives are protected.

For our motor and home insurance policies we offer a 24/7 claims helpline should you need us. 

If you need to view or download your policy documents, or make changes to your policy why not log into My Account, any time of day or night.

Van Insurance
Great value cover

Flexible insurance policies to suit your needs

Claims helpline

Available 24/7 for motor and home policies

Documents Online
My Account

Access documents and more when convenient to you

Budget’s Van Insurance features and benefits include:

What it covers

Things to think about

Create your perfect van insurance package

Whatever type of cover you choose, you can get even more protection with our additional cover options, including:

Guaranteed replacement van

Guaranteed Replacement Van

Guaranteed Replacement Van

Learn more

My Account

We realise that printed policies are likely to be misplaced and if you want to make amendments to your policy it is not always convenient to ring up a call centre. We want you to be able to look after your insurance policy in the way and at the time that suits you. That’s where My Account comes in. 

Once you have bought your policy you will be asked to register for My Account. Use the same email address you stated when you bought your policy and create a password – it’s that simple.

Frequently asked questions

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  • Our handy My Account allows you to manage and change your policy online – this includes making payments, amending policies and printing you documents at any time.

Van insurance covers you in the event of an accident on the road. Depending on the level of insurance you get, you could be covered against damage to another person, property and vehicle as well as any injuries you sustain or damage to your own vehicle.

Anyone driving a van without insurance could receive a fine, be prosecuted or receive a driving ban.

There are three main types of van insurance available which offer various levels of protection. You’ll need to check with your insurance provider what level of cover your policy offers you.

The three types of van insurance that we offer at Budget are:


This is the highest level of insurance available within the UK. Comprehensive insurance provides cover if your van is stolen, damaged by fire or accidentally damaged.

You’re covered if you are involved in a road traffic accident and you’re also covered for claims made against you by other people for bodily injury or damage, made by your vehicle to their property.

Third party; fire and theft

This level of cover provides you with protection from everything that’s included in a third party policy (see below), plus fire damage, the theft of your vehicle and damage to your van caused by/or during the theft or attempted theft of it.

Third party only

This is the minimum level of cover that you are legally required to have in the UK. Third party insurance provides you with cover for; liability for the injury of others (including passengers), damage to someone else’s property and liability whilst towing a caravan or trailer but this does not cover damage to the driver’s own vehicle.

Here at Budget Insurance we understand if you’re self-employed your business can suffer if your van has been involved in an accident or stolen. However you use your van, we can find you great value insurance with cover that’s right for you.

Not only do we offer great Van Insurance, but we also look after our customers when they need us. Our Customer Service Team are on hand 7 days a week to answer any questions you may have regarding your van insurance and our claims helpline is open 24/7 so we’re here when you need us.

We also provide you with access to your policy documents via our online My Account which is accessible 24 hours a day. You can make payments, amend your policies and view and print your insurance documents at a time to suit you.

All you need to get started is a few details to hand, including:

  • Personal details – name, date of birth, address, job title
  • Car details – registration plate, make, model and age
  • Driving history – how long you’ve had your licence, any claims or driving convictions and any year’s No Claims Discount you have
  • How your car will be used – Estimated annual mileage, where it’ll be parked and if there are any additional drivers

You may be asked for additional information or specific proof, depending on what the insurance provider is requesting.

When you’re ready, head over to our quotes journey by clicking here.

The answer can be complex because it depends on several factors. Generally, vans are often considered commercial vehicles, which means insurance companies might charge more due to increased risks associated with their usage.

For instance, commercial vehicles often cover more mileage than personal cars, thus increasing the risk of accidents. They might also be used for transporting goods or passengers, which can expose the insurer to higher liability claims.

Besides, the cost of repairs or replacement parts for vans can be higher than for smaller vehicles, which may also contribute to higher van insurance premiums.

However, it’s important to remember that these are not hard-and-fast rules. Other factors like the driver’s history, location, security features installed in the van, and the specific insurance provider’s policies can also influence the cost of van insurance.

The difference between commercial van insurance and private van insurance mainly lies in the purpose for which the vehicle is used. Private van insurance is suitable for individuals who use their vans for personal needs such as commuting, leisure activities or domestic purposes. This type of coverage typically includes protection against theft, damage, and personal injury.

Commercial van insurance or business van insurance, on the other hand, is designed for vehicles that are used for business purposes. This could range from delivering goods or services to transporting tools or equipment.

In addition to covering the risks associated with private use, commercial van insurance often provides cover for goods in transit, business equipment and public liability.

Any-driver van insurance is a type of vehicle cover that allows any motorist to operate the insured van, regardless of their relationship to the policyholder. This form of insurance is particularly beneficial for businesses that require multiple employees to drive the same vehicle.

It provides flexibility and convenience, eliminating the need to specify individual named drivers on the policy. Thus, it helps to minimise the risk of employees driving uninsured.

However, it’s noteworthy that the premium for any-driver van insurance may be higher than a single or named driver policy, as the insurer usually assumes a higher risk by covering more drivers, some of whom may have different driving records or levels of experience.

Yes, it is quite possible to add more than one van to your insurance policy. This is commonly known as a multi-van insurance policy. Many insurance companies have provisions for a multi-van policy, which allows you to insure multiple vans under a single policy.

Does van insurance cover tools? The answer to this query is not straightforward as it largely depends on the specifics of your insurance policy. Standard van insurance policies may not include cover for the tools or equipment stored inside the van.

These items are typically considered personal belongings or business assets, and thus fall outside the standard coverage of a vehicle insurance policy.

However, for many professionals such as contractors, plumbers, electricians, and other tradespeople, their van is not just a mode of transport, but also a mobile storage unit for their tools and equipment.

Recognising this need, many van insurance providers offer an add-on option known as ‘tools in transit’ or tool cover or ‘goods in transit’ cover. This additional coverage is designed specifically to protect your tools and equipment against theft, loss, or damage while they are being transported in your van.

The question, “Does van insurance include VAT?” can be a cause for confusion amongst many van owners. It’s important to clarify that Value Added Tax (VAT) is generally not applicable to insurance products, including van insurance, in the United Kingdom.

This is because insurance is viewed as a service rather than a product which is subject to VAT. Instead of VAT, Insurance Premium Tax (IPT) is levied on insurance policies. This tax is included in the price of your insurance premium and paid by the insurer to HM Revenue and Customs.

The possibility of freezing your van insurance largely depends on your insurer’s policies. Some insurance companies may allow you to temporarily suspend your insurance cover, however, it’s not a standard offering across the industry.

Yes, you can cancel van insurance within 14 days. This period is often referred to as a ‘cooling-off’ period, during which you have the right to cancel your van insurance policy without any significant penalties. It is a common regulation in most insurance sectors, aimed at giving customers the flexibility to change their mind about a policy they have taken out.

If you decide to cancel within this period, you will typically receive a refund of the premium paid, minus a proportionate amount for the period that the policy was in effect and possibly an administration fee.

It’s important to note that terms and conditions can vary from one insurance provider to another, so it’s always advisable to read through your insurance policy documentation thoroughly or contact your provider directly for clarification.

Yes, it is. While both types of insurance provide coverage for vehicles, there are significant differences between the two that stem from the unique characteristics and uses of vans as compared to cars. Van insurance often has more comprehensive cover due to the inherent risks involved in operating larger vehicles.

For instance, vans are often used for commercial purposes which may necessitate additional liability coverage, whereas personal car insurance typically only covers personal usage.

Moreover, vans have larger cargo spaces and can carry more passengers than cars, increasing the potential for higher claims in case of accidents or damages.

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Need a Budget Van Insurance Quote ?

We’re currently experiencing a high volume of calls into our contact centre and whilst we are doing our very best to maintain service levels, we ask that you only call our contact centre if absolutely necessary so we can keep our phone lines available  for vulnerable customers and those who don’t have access to online services.

If you need to check any details or make a change to your policy, please  log in to your Self-Service Centre. It will be much quicker for you to make changes to your policy online at the moment. Once logged in, you can also use our Webchat service which is available Monday- Saturday 8am-6pm and Sunday 10am-4pm to make changes, accept or decline your renewal or if you need to let us know about a claim. To log in, please click here.

We also have some other information that may be useful. Click here to read our FAQ’s, and information on what we are doing to support key workers can be found here.