Van insurance isn’t one-size-fits-all. The cover you need depends on how valuable your van is, how you use it, and how much risk you’re willing to take on.

If you’ve ever wondered what the different types of van insurance actually cover, here’s a clear breakdown to help you decide.

 

Why Choosing the Right Van Insurance Matters

Your van is often one of your most important business tools. The right insurance protects not just the vehicle itself, but also your ability to work if something goes wrong.

Choosing the wrong level of cover could leave you paying out of pocket for repairs, theft, or even a total loss.

 

Third Party Only Insurance

This is the legal minimum level of van insurance in the UK.

What it covers:

• Damage or injury you cause to other people or vehicles

Pros

• Cheapest insurance option

• Meets legal requirements

Cons

• No cover for damage to your own van

• No protection if your van is stolen or damaged

Best for:
Older, low-value vans where replacement costs are minimal.

 

Third Party, Fire & Theft Insurance

A step up from basic cover, offering limited protection for your own vehicle.

What it covers:

• Third party damage

• Fire damage

• Theft of your van

Pros

• Protects against theft and fire

• Still more affordable than comprehensive cover

Cons

• No cover for accidental damage

• Repairs after an accident come out of your own pocket

Best for:
Mid-value vans where theft protection is important, but full cover may not be essential.

 

Comprehensive Van Insurance

The highest level of protection available.

What it covers:

• Accidental damage

• Theft and fire

• Third party claims

Pros

• Full peace of mind

• Covers most situations

• Often required for newer or higher-value vans

Cons

• Higher premiums compared to other options

Best for:
Newer vans, high-value vehicles, or vans used daily for business.

 

How to Choose the Right Cover

When deciding which policy suits you best, consider:

• The value of your van

• How often you use it

• Where it’s parked overnight

• How easily you could replace it

Sometimes paying a little more upfront can save you thousands later.

 

Final Takeaway

The right van insurance depends on your van’s value and how you use it.
Cheapest isn’t always best, it’s about choosing the cover that protects your livelihood.

 

Need Help Choosing the Right Van?

If you’re unsure what van or setup is right for your needs, we’re here to help.
Browse Vans at hampshirevans.co.uk or email info@hampshirevans.co.uk and we’ll guide you through the best option - without the guesswork.