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Tradesman Saver’s Cheap Van Insurance Cover

Whether you drive a transit, a dropside van, or something else, we’re well aware of how important insurance is to van owners.

Tradesman Saver has offered insurance to tradesmen for over 35 years, and we now complement our standard services with Van Saver, a van insurance comparison site. Use our price comparison tool to compare van insurance prices from leading providers and find your perfect policy today.

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Why do you need van insurance?

Some van drivers avoid purchasing van insurance because they believe their car insurance will cover any accidents. However, this isn’t actually the case as these are totally separate policies. Your car insurance won’t help you should something go wrong with your van.

This is because cars are primarily used for social and domestic purposes or for pleasure, whereas vans are almost always driven for business reasons. In addition, vans usually have more powerful engines and spend more time on the road than cars. Both of these factors increase the chances of an accident occurring, which tends to make van insurance policies more expensive. Insurance providers would stand to lose a lot of money if they let people use car insurance for their vans.

However, the difference between cars and vans isn’t always clear-cut. If you’re unsure which type your vehicle is, use the government’s vehicle enquiry service or your V5C log book to find out. 

How our Van Insurance works

Apply Online

Complete our quote form with details about your vehicle and insurance requirements

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We search insurers to give you the cheapest quote based on the information provided

You’re insured!

Instantly activate your Van Saver policy and view your documents online

Van Insurance
Optional Extras

14 Day Van Hire £16.80 per year

Guaranteed replacement cover for your van

Guaranteed replacement van cover will provide a replacement vehicle if you cannot use your own following:

  • An accident which is not your fault
  • Breakdown
  • Theft

The replacement vehicle may be available to you for up to 14 days, depending on the circumstances

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Legal Expenses £14.65 per year

Protect yourself from unexpected legal costs

Being involved in an accident, facing a motoring prosecution or becoming the victim of vehicle cloning are all distressing experiences. Complete Motor Legal Solutions can help and includes:

  • Legal costs & expenses up to £100,000
  • Recover your excess
  • Motor prosecution defence
  • Vehicle cloning (parking fines and penalty notices)
  • Replacement vehicle
  • Loss of earnings
  • Damage to personal effects
  • Vehicle repair costs
  • Medical expenses or compensation for injury
  • 24/7 Legal & Tax Advice
  • Motor Legal Services (access to legal documents)

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Full UK Breakdown £82.06 per year

Comprehensive motor breakdown cover

Being involved in an accident or breakdown can be a distressing experience and finding a quality repairer at short notice can be a nightmare. Motor Breakdown Solutions can help and provides:

  • UK assistance 24 hours a0 day, 365 days a year
  • Immediate access to a network of reputable breakdown services
  • Cost of vehicle repair at the scene of the breakdown
  • Recovery of your vehicle to a local garage
  • Alternative travel costs
  • Emergency overnight accommodation
  • Alternative transport following the theft of your vehicle
  • Misfuelling
  • Message service
  • Home assist cover
  • Loss of keys

View policy documents

Full UK & EU Breakdown £100.64 per year

Comprehensive motor breakdown cover

Being involved in an accident or breakdown can be a distressing experience and finding a quality repairer at short notice can be a nightmare. Motor Breakdown Solutions can help and provides:

  • UK & EU assistance 24 hours a day, 365 days a year
  • Immediate access to a network of reputable breakdown services
  • Cost of vehicle repair at the scene of the breakdown
  • Recovery of your vehicle to a local garage
  • Alternative travel costs

View policy documents

Understanding van insurance

Van insurance can cover the following things, depending on your chosen policy:

Third party only

This is the minimum level of van insurance available, covering costs like compensation and legal fees if you injure somebody or damage their vehicle.

Third party, fire and theft

The second type of van insurance insures you for the costs of fixing or replacing your vehicle if it’s stolen or damaged by fire. It also offers third party liability protection as well.

Comprehensive van insurance

Comprehensive van insurance includes everything in the above policies, in addition to covering van repairs if the vehicle is damaged in an accident which was your fault.

It’s often believed that comprehensive van insurance is the most expensive because of how much protection it offers. However, this isn’t always the case and it always depends on the provider you choose. That’s why it’s always worth using a van insurance comparison tool like ours to explore all your options before committing to a policy.

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Commercial Or Personal Van Insurance: What Do I Need?

Commercial and personal are the two most common types of van insurance, but there are four main categories in total:

1. Commercial van insurance

Alternatively called business van insurance, you need this cover if you drive your van for work purposes. Commercial van insurance is further divided into carriage of own goods cover (for tools of the trade) and haulage cover (for items you’re delivering).

2. Private van insurance

Private van insurance (also known as personal van insurance) is for those who drive vans for social, domestic or pleasure reasons, such as for shopping or carrying hobby equipment like bikes or fishing rods.

3. Courier van insurance

This cover is for drivers who make regular deliveries using their van. Couriers often transport valuable goods, meaning they need a higher level of cover than other van drivers..

4. Pickup van insurance

If you use your van for all kinds of purposes, then your best bet is probably a pickup van insurance policy. This covers you in both commercial and non-commercial scenarios.

Not sure what van insurance you need? Use our quote tool to find out more!


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How much is van insurance?

The cost of van insurance depends on factors like the amount of cover you need, the type of vehicle you drive and your previous claims history. That said, the UK average is between £1,000 to £1,500 a year.

Van Insurance: Frequently Asked Questions

Do I need van insurance?

Laws in the UK require all drivers to have at least third party insurance for any vehicle they drive, unless it’s registered as kept off public roads via a Statutory Off Road Notification (SORN). Even if you rarely use your van, you’ll still need insurance for it.

Why is van insurance so expensive for young drivers?

Van insurance is more expensive for drivers under 25 because they are statistically more likely to be involved in an accident and have to make a claim as a result.

How do I get cheap van insurance?

While you may be thinking of renewing your van insurance policy with your current provider, you could save a lot of money using our van insurance quote comparison tool. We compare providers across the UK so you can find the strongest cover for the cheapest price. Never settle for less and find superior van insurance today with Van Saver.

How does company van insurance work?

Company van insurance (also known as commercial or business van insurance) will protect you if you use a van as a sole trader or for your commute. It works as standard van insurance does, covering you for the same things, like compensation fees and theft.

When does my van insurance run out?

Most van insurance policies are annual and last for 365 days. However, you can get shorter term policies, which can be useful if you’re temporarily driving a van.

What is any driver insurance?

An any driver van insurance policy allows multiple drivers to legally get behind the wheel of the van. This is suitable for families or businesses where more than one person needs to use the same vehicle.

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 19% of new customers paid less than £59 between 1st January 2021 and 28th February 2021. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2022 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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