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VanLeasing

Van insurance

Save £££'s on your van insurance

Find the best deal from over 20 top insurers. We've teamed up with Howden to help you save money on van insurance.

  • Compare cover from a panel of trusted insurers
  • Independent advice matched to how you use your van
  • Support through the policy term, mid term changes and claims
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Howden van insurance

Our insurance partner

We've teamed up with Howden to help you save money on van insurance

When leasing a van, insurance serves as both a legal requirement and essential protection for your livelihood. Whether operating small delivery vehicles or managing large commercial fleets, appropriate coverage protects against unexpected incidents.
Understanding policy details requires time many lack, so VanLeasing.com partners with Howden Insurance to simplify the selection process. As an independent broker, Howden prioritises matching policies to genuine needs rather than promoting standardised solutions.
VanLeasing.com acts as a straightforward contact point, connecting clients with appropriate insurance support without adding complexity. Whether arranging coverage alongside a lease or reviewing existing policies, the service ensures clarity, relevance, and alignment with actual business operations.

How it works

How to choose the right policy

Their experts will:
  • Listen to your requirements and understand how you use your van.
  • Compare policies from a panel of trusted insurers to find the right balance of cover and cost.
  • Explain optional extras and whether they make sense for you.
  • Support you throughout the policy term, including help with mid term changes and claims.

Why it matters

Why van insurance matters

Like a car, a van needs at least third party cover to legally use the road, but most operators benefit from broader protection. A suitable van policy can:

Meet legal obligations

Driving without insurance is illegal and can lead to fines, penalty points and vehicle seizure.

Protect your finances

Cover for accidental damage, theft and liability claims prevents repairs or compensation coming out of your own pocket.

Safeguard your business

If your van is vital for work, replacement vehicle cover keeps you moving even if yours is off the road.

Provide peace of mind

The right protection lets you concentrate on your business or enjoying your van instead of worrying about every scratch or claim.

Cover levels

Types of van insurance

Several levels of cover exist. The right one depends on how you use your van and the protection you need.

Third party only (TPO)

Covers damage to others' vehicles and property, plus compensation for third party injuries. It does not cover your own van. It is the minimum legal requirement and rarely recommended unless the van's value is minimal.

Third party, fire and theft

Everything in third party cover, plus protection against theft and fire damage. More assurance than TPO, but it still excludes accidental damage to your own vehicle.

Comprehensive

The most popular option covers third party liabilities, fire, theft and damage to your own van. It usually includes windscreen replacement and sometimes driver personal injury cover.

Business use

Optional covers for business use

Many trades and commercial operators need supplementary protection, available as add ons:
  • Goods in transit cover: protects tools, stock or equipment you carry against loss or damage.
  • Employers' liability: required if you employ anyone; covers claims if an employee is injured while working in or around your van.
  • Public liability: covers claims from third parties for injury or property damage not directly related to driving, for example when loading or unloading.
  • Trailer cover: insures any trailer you tow.
  • Foreign use: extends your policy for driving outside the UK, usually within the EU.

Pricing

Factors that affect your premium

Insurers price on perceived risk. The main factors are:
  • Driver age and experience: younger and newly qualified drivers typically pay more.
  • Driving history: past claims and motoring convictions can increase the cost.
  • Vehicle type and value: larger, higher value vans cost more to insure, and modifications can raise premiums too.
  • Business type and usage: couriers covering many miles or carrying high value goods pay more than occasional users.
  • Mileage: the more you drive, the greater the risk, so high annual mileage pushes up the price.
  • Storage and security: a locked garage, an alarm or immobiliser and a tracker may lower costs.
  • No claims discount: a proven record of claim free driving is rewarded with a discount on your premium.

Add ons

Optional add ons

Tailor your cover further with extras based on your personal or business needs.

Breakdown assistance

Roadside repair and towing if your van breaks down.

Legal expenses cover

Pays legal costs to recover uninsured losses following an accident.

Tool cover

Protects valuable tools and equipment left in your van overnight, subject to policy limits.

Courtesy van

A temporary replacement van while yours is being repaired after a claim.

Typical van insurance costs

Premiums vary widely with your circumstances. These indicative annual ranges assume fully comprehensive cover for experienced drivers with clean licences.

Van typeExample annual premium
Small van (e.g. Caddy, Berlingo)£850 to £1,250
Medium van (e.g. Transit Custom)£1,100 to £1,650
Large van / heavy use£1,350 to £2,750+

These figures are indicative only. Your premium may differ based on driver age, location, vehicle value, mileage and other factors.

Not sure what insurance you need? Get a quote in minutes, or talk to the team for guidance toward the right cover for how you actually use your van.

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