Van Insurance
We make buying van insurance simple. Whether you require business van insurance or private van insurance, you can tailor your cover to fit your lifestyle. You can even add optional extras to your van insurance, such as RAC Breakdown Cover, helping you save money in the long run.
Van insurance protects you or your business financially if your van is in an accident, stolen, or damaged.
Top rated cover
RAC Van Insurance is 5 star Defaqto rated
We keep you moving
7 days guaranteed replacement vehicle included in core cover, for carriage of own goods and haulage cover levels
What’s covered with RAC Van Insurance?
In the event of an accident or theft, making sure you have the right van insurance can help get you up and running again as quickly as possible. There are three levels of cover you can choose from, and as standard, you’ll always get liability for passengers and emergency treatment with any level of van insurance from us.
Third Party
This is the minimum level of cover required by law in the UK. It covers liability for injury to others (including passengers), damage to other peoples’ property and liability whilst towing a caravan or trailer. It doesn't cover damage to your own vehicle in an accident.
Third Party, Fire and Theft Insurance
This offers you the same features as third party cover, alongside protection if your van is stolen, attempted to be stolen or damaged in a fire. Again, you won’t be covered if you need repairs from an accident that is your fault.
RAC Van Insurance – Comprehensive
Comprehensive RAC Van Insurance is our highest cover. With this level of cover, you’ll be protected for damage to the van, property and yourself, even if you are at fault (limits may apply).
Why choose RAC Van Insurance
Buy online today
Get a quote and buy your van policy online in less than 10 minutes
Self service
Manage your policy online 24/7
UK claims helpline
Our dedicated claims team are here to help
Supercharge your cover with our range of optional extras
RAC Breakdown Cover from £49.99 a year
Choose from a range of cover levels to keep you and your business moving in the event of a breakdown.
Tools and van contents cover from £42.49 a year
Choose between £1K, £2.5k, £5k and £7.5K of cover for your tools or other equipment should they be damaged in transit or whilst loading or unloading.
Motor Legal Protection for £19.99 a year
Cover up to £100,000 of legal expenses to help claim back any uninsured losses if you’re involved in an accident that wasn’t your fault.
Keycare for £8.99 a year
Cover for replacing lost home or vehicle keys up to the annual limit of £1,000.
Guaranteed Replacement Vehicle cover for £34.99 a year
Provides a vehicle for up to 35 days of cover, if yours couldn't be driven following an accident, fire, vandalism or theft.
Select which optional extras you’d like during the online web journey.
Add RAC Breakdown Cover to your policy from £49.99
Don't let a breakdown disrupt your day. Our expert patrols get to you within 60 mins or less, and we fix 4/5 on the spot.
What do I need to get a van insurance quote?
Getting a van insurance quote takes less than 10 minutes.
To get van insurance, you’ll need to provide the following information:
Personal vs business van insurance
When insuring a van, it's important to choose the right cover based on how you use it. Personal van insurance covers private use, like commuting or doing errands. Business van insurance, also known as commercial, is for work-related use. Choosing the right type keeps you protected and compliant with regulations.
Personal van insurance
- Personal van insurance or SDP (social, domestic & pleasure): this will cover you for social purposes only, like shopping and seeing friends and family at the weekend.
- Personal van insurance + commuting: this will cover you for social purposes, as well as driving to and from a single, permanent place of work.
Business van insurance
- Business van insurance with ‘carriage of own goods’: with commercial van insurance, you’ll be covered for commuting to and from work, as well as protecting your goods, or someone else’s goods that you hold in your van.
- Business van insurance 'with haulage': this type of cover is ideal for those who carry goods on behalf of a third party, generally over a long distance. For example, a removals company that uses a van
Temporary or short-term van insurance
Temporary cover is also available for vans under 3.5 tonnes in weight. Purchased online, this policy offers great flexibility when borrowing a van or if you plan to share the driving. Instant cover available for 1 hour to 30 days, with the ability to add extra hours online if needed.
For more information or to get a quote, please see our temporary van insurance page.
How to get cheaper van insurance
The cost of your van insurance depends on lots of factors and many of them can't be changed. For example, the age of a driver. But to get cheaper van insurance, you could do the following:
Buy a van in a lower insurance group
Build up your no claims discount by driving safely and responsibly
Add a named driver, which can also help to reduce the cost of van insurance (make sure you aren’t ‘fronting’, which is illegal)
Look at the difference in price between paying annually or monthly
Keeping your business moving
We know how important it is to keep your business moving following a motor vehicle accident. For carriage of own goods and haulage cover levels, we include 7-days guaranteed replacement vehicle (of a similar size to your van), to enable you to keep working if your van cannot be driven immediately after an accident.
Flexible contact options
Make changes to your van policy via your online account anytime, anywhere. If you do need help, you can chat to an agent via web chat or over the phone during opening hours.
If in the event you need to notify us of a claim, our claims lines are open 24 hours a day.
Frequently Asked Questions
In most cases, your car insurance won’t cover you when driving a van, even for a short trip. You’ll need specific van insurance, whether you rent, borrow, or own the vehicle. If the van is for personal use, private van insurance is needed. For work or transporting goods, you’ll require commercial van insurance.
You usually can't add a van to your car insurance policy. Vans need their own insurance, whether for personal or business use. It's best to get separate van insurance to make sure you're properly covered.
Yes, we offer short-term cover of between 1 hour and 30 days. Please visit our Temporary Van Insurance page for information or to get a quote.
Temporary van insurance is suitable for general use, for example, moving house, or for small businesses or sole traders requiring short-term cover for van use. Cover is not available for rental vans.
We offer 2 levels of cover, Comprehensive and Third Party Fire and Theft. You can also add optional extras to your policy including:
- RAC Breakdown Cover
- Tools and van contents cover
- Motor Legal Protection
- KeyCare
- Guaranteed Replacement Vehicle cover
- Protected No Claims Discount
Commercial van insurance covers you for business use, but the cover depends on your job. For instance, if you're a delivery driver, choose "haulage use" to be covered for deliveries. If you're a builder carrying your tools or materials, pick "carriage of own goods." Picking the right job and use when setting up your policy is important to ensure proper cover.
You are permitted to drive a van from the age of 17 with a valid provisional licence, subject to the usual legal requirements and driver obligations.
Yes, you can cover multiple vehicles with RAC Van Insurance and these will stand as separate policies.
If you’ve turned your van into a campervan, you’ll need campervan insurance to cover it.
Yes, we can provide a quotation for social, domestic and pleasure use (including commuting) for example if you just use your van for hobbies. You can select this option when getting a quote online.
We can provide quotes for vehicles up to 3.5 tonnes. Overloading may lead to penalties, including denied claims if the van is not used as per the policy. Driving a van over its maximum weight (Gross Vehicle Weight or GVW) is also illegal.
Tools left in a van overnight will not be covered under our van insurance policies. Tools and Van Content cover is available as an optional extra.
You and any named driver on your policy are covered when using the vehicle within the European Union. For up to 60 days, in any period of insurance, full policy cover will apply while you are using the vehicle within the countries listed in your policy documents.
We cannot offer insurance to vehicles that will be used to carry hazardous goods or liquids.
These substances and materials include explosives, organic peroxides, toxic substances, infectious substances or radioactive materials.
We offer four different levels of van breakdown cover that can be added to your standard insurance cover (or three levels if you choose haulage use). You can select this when you get your quote.
In addition, we also offer 35 days Guaranteed Replacement Vehicle cover as an optional extra, which would provide you with an alternative vehicle while yours is being repaired following an incident. If you choose carriage of own goods or haulage cover, 7 days of cover is included as standard.
You can read more about these products on our optional extras page.
Yes. You can log in to your online account any time to make these changes to your policy:
- Change of vehicle
- Change to personal details such as name, occupation or contact details
- Change to drivers on the policy
- Accept your renewal
- Upload and download documents
- Amend your auto renewal preference
If you think you may be unable to maintain your policy payments, please contact us as soon as possible to discuss on 0333 321 8566. We have specialists on hand who can discuss your individual circumstances and agree how we can help with your financial situation.