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Van Insurance For Non Commercial Vehicles

It is an increasingly popular trend in the UK for people to buy vans but never use them for commercial or business reasons. Feel free to consult our van insurance comparisons table below:

Latest Van Insurance Deals
ProviderReplacement VanMax WeightMulti Van CoverAdditional BenefitsApply
yes3.5 tonnesnoQuotes from 50 brokers - compare more van insurance brokers than any other price comparison site. Cheapest van insurance price, guaranteedGet Quotes >
yes3.5 tonnesnoVan Insurance cover for under £182. Up to £100,000 of Motor Legal cover, 24/7 motoring legal helpline, windscreen cover for comprehensive policies, accidental damage and vandalism cover for comprehensive policies. RAC members pay £118 less on average for RAC Van Insurance than non-membersGet Quotes >
yes3.5 tonnesyesDirect Line Van Insurance with prices from £182 a year. 10% of customers paid this or less. Based on policies sold 1st November 17 - 30 April 18. Excludes add ons. Underwritten by U K Insurance Limited.Get Quotes >
yes3.5 tonnesnoVan insurance from just £211 a year. 5-star Defaqto Rating. Business, courier or personal van insurance. 10% online discount and up to 60% no claims discount. 98% of van insurance claims paid outGet Quotes >
yes3.5 tonnesnoMotor Legal Protection as standard, choice of excess, 24/7 emergency helpline, guaranteed repairs, free courtesy vehicle, cover for audio & navigation equipment, windscreen cover, replacement locks and personal belongings. Plus optional extrasGet Quotes >

While it is not difficult to get affordable van insurance for non commercial use, there are a number of important things to be aware of.

 

The first thing to keep in mind is that if you get van insurance quotes and take out a policy on the basis that you will not be using the vehicle for commercial purposes, you should always inform them if you intend to do anything that could be construed as commercial activity.

 

The difficulty here is that the line between commercial and non-commercial is blurry at best. You should therefore carefully consider the purpose of your van and how often it is used when comparing van insurance quotes from different providers.

 

If you are involved in an accident that involves the police, you will have to stipulate the contents of your van at the time of the accident. Police also now have the power to check your insurance on the roadside and see whether it is commercial or non-commercial van insurance.

 

If the police see that you are carrying a large amount of goods for yourself or someone else, they may consider this to be some form of commercial activity and you to be in breach of your insurance. Your provider can cancel your policy if this happens without you having a chance to appeal.

 

Many van insurance companies will offer discounts for low mileage, although the specifics of each quote for van insurance you get will be different. The main thing to remember is that you must keep your provider up to date with what activities you are using the van for; otherwise you could be found to be in breach of your non-commercial van insurance.

 

It is useful to inquire about what each company believes the distinction between commercial and non-commercial activities to be while obtaining van insurance quotes from them.