Cover TypeMaxEU CoverReplacement VehicleDirect Debit Rate 
ValueAgeWeight
Aviva
Van Insurance
varies
up to
£35,000
84
years
3.5
tonnes
31.9%
5 Star Rated van insurance from £203 which 10% of customers paid for on standard cover. 10% online discount. Up to 1/3 off with Aviva MultiCar when adding a second van or car. 20% of customers are expected to receive the maximum discount.
Direct Line
Van Insurance
varies
up to
Unlimited
80
years
3.5
tonnes
22.4%
Tel 0808 178 6486 0808 178 6486
20% off your van insurance. Introductory offer until 30/06/2014. Minumum premiums apply.
Tempcover.com
Van Insurance
Comprehensive£40,000
75
years
7.5
tonnes
---
insuredaily.co.uk
 
Van Insurance
Comprehensive£45,000
75
years
3.5
tonnes
---
MORE TH>N
Van Insurance
varies£50,000
74
years
3.5
tonnes
29.6%
You could pay as little as £21 a month, plus get 50% off tools cover (1st year only) (Based on 10% of new customers. MORE TH>N data Nov 13-Jan 14)
Churchill
Van Insurance
varies£50,000Unlimited
3.5
tonnes
35.42%
AA
Van Insurance
variesUnlimited
100
years
3.5
tonnes
29.9%
insure4aday.co.uk
 
Van Insurance
Comprehensive£40,000
75
years
3.5
tonnes
---
Allianz
Van Insurance
ComprehensiveUnlimited
76
years
3.5
tonnes
15.4%
Asda Money
Van Insurance
varies£50,000
90
years
3.5
tonnes
31.8%
Auto Direct
Van Insurance
varies£30,000
85
years
3.5
tonnes
41.3%
AXA
Van Insurance
varies
up to
£50,000
75
years
3.5
tonnes
29.3%
Save 10% when you take out AXA Van Insurance. It's the protection you'd expect from AXA, for less.
Budget
Van Insurance
varies£50,000
94
years
3.5
tonnes
29.9%
Chaucer Direct
Van Insurance
varies£30,000
75
years
4.6
tonnes
24.9%
Commercial Vehicle Direct
 
Van Insurance
variesUnlimited
90
years
3.5
tonnes
39.19%
Dial Direct
Van Insurance
ComprehensiveUnlimited
85
years
3.5
tonnes
29.9%
Mercedes
Van Insurance
Comprehensive£35,000
70
years
3.5
tonnes
23.2%
NFU Mutual
Van Insurance
varies£100,000
80
years
up to
32
tonnes
2.8%
Octagon Insurance Company Ltd
 
Van Insurance
variesUnlimited
100
years
---
14.75%
Van Insurance for Private & Commercial drivers
Post Office
Van Insurance
varies£25,000
85
years
3.5
tonnes
23.5%
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How to Find the Best Van Insurance for Over 50s

by DominicJ from money.co.uk

Gone are the days when you could rely on one or two insurers for a great deal when you pass 50. Now you're spoilt for choice so shopping around for van insurance for over 50s is definitely worthwhile.

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Here we look at ways that you can find the cheap van insurance for over 50.

What is over 50s van insurance?

If you are over 50 and need van insurance, you can search for over 50s van insurance. Due to your age, you can benefit from heavily reduced prices because of these factors:

How long you've had your licence for - Insurers will see you as a lesser risk if you have held a driving licence for a long period of time.

How many no claims years you have - If you have had multiple years of motor insurance without making a claim then you will be seen as low risk by an insurer.

Limited motoring convictions -The more responsible you appear on your licence, the lower the risk to the insurer that you'll claim.

What is covered?

You are required by law to have third party insurance cover as standard, which offers you cover for damage caused to others and their property. You can opt for comprehensive cover if you want to cover yourself against accidents to you, your van, and others around you in addition to the cover you receive under third party.

There is no special cover available based on your age, so you won't miss out by shopping around from as many providers as possible.

You can find van insurance over 50 policies that allow a maximum vehicle weight up to 7 tonnes gross, though most van insurers will cap you at 3.5 tonnes, so be cautious if you intend to carry large loads. If you exceed your designated weight your van insurance will become invalid.

When shopping around for van insurance you have the option of upgrading your policy to cover not only personal, but business usage as well.

Any upgrade comes with an extra cost so make sure you are certain how you want to use your van before taking out a policy.

What to consider when taking out over 50s van insurance?

If you are worried about becoming too old to get van insurance you needn't worry. Most providers will offer insurance as long as you have a valid UK driving licence although some can't offer you cover after you have exceeded a certain age, such as 70 years old.

This does not mean you can't have cover if you have reached 70 years old, it means that you will need to shop around for a new policy as some have an age limit up to 100 years old.

As the price for over 50s van insurance is usually considerably cheaper compared to policies for younger drivers you can enhance your policy by adding extra benefits, such as:

  1. Breakdown Cover - Engineer based support, anytime, anywhere (subject to your policy)
  2. Overseas Cover - Cover extended into Europe
  3. Legal Cover - Cover against the cost of motor related legal cases.

All extras come at an additional cost, so make sure you need them before adding them to your policy, especially if a lower price is more important to you than the extra cover.

Compare prices

Once you have decided what level of cover you need, you can search online and shop around for the best deals and compare prices to find cheap van insurance for over 50s .

Make sure to check several providers to make sure you are comparing the prices of the same level of cover for your needs.