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As well as protecting you from huge bills if your van is damaged, stolen or involved in an accident, van insurance is also a legal requirement.
Van insurers see younger drivers as being high risk. Here's how to find a policy that's affordable and covers what you need.
If you choose fully comprehensive cover, your insurance can pay out to cover your own costs, as well as those of any third parties, but this extra cover costs more.
A third party policy is usually the cheaper choice but only covers the costs of any other road users involved if you're at fault in an accident. You can also get cover that includes fire damage and theft alongside any third party claims.
For a closer look at the different levels of cover available, read our guide, What's the Difference Between Third Party, Fire & Theft and Comprehensive Car Insurance?
If you want to use your van for work, you'll need a policy that will allow commercial use. Although this can be more expensive than one designed for personal use, it's important to choose a policy that covers what you use your van for to ensure it pays out if you need to claim.
If the van belongs to your employers, they could insure it themselves and then name any drivers that will use it on the policy.
There are often several cover options that you can choose to include or not, such as for tools, windscreens and stereos.
You can get cheap van insurance for under 25 year olds that doesn't include these (or breakdown and legal cover), but you'll need to decide if not having them could cost you if things went wrong.
Check each policy's restrictions to ensure it's not unsuitable for your van and how you use it.
Some will have limits on your van's age and engine size, its maximum load or total weight, where you store it and whether you leave items in it overnight.
Insurance policies come with an excess, which is the amount you have to pay towards any claim yourself. If you pick a higher excess, you'll generally pay lower premiums, but make sure you could afford to pay it if you claim.
If you passed your driving test recently, the Pass Plus course can help you improve your motorway and night driving.
This can also make your insurance premiums cheaper, as insurers will see you as less of a risk.
The type of van you drive can affect how much you pay. Large engines and modifications will make your premiums much higher.
You can also limit the cost of most under 25 van insurance if you buy security equipment like alarms and immobilisers.
Our comparison only includes policies that are available to under 25 year olds and shows the minimum age each will insure.
Decide what features you need and what you'll manage without to work out what will give you enough protection.
Once you've found a few policies that fit the bill, get some quotes and compare the prices. The cheapest van insurance for under 25 that covers all you need is the policy for you.
How to choose value for money van insurance.
What is van insurance?
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