|Maximum Weight||3.5 tonnes|
|Permanent UK Resident|
|Minimum Age||21 years|
|Maximum Weight||3.5 tonnes|
|Permanent UK Resident|
If you're over 25 years old, you may be able to find cheaper van insurance compared to younger drivers.
Cheap van insurance for over 25 year olds is easier to come by, because most insurers offer lower premiums to more experienced drivers. They're statistically less likely to be involved in an accident, so insurers see drivers who are over 25 as less risky.
However, finding cheap van insurance for over 25 year olds shouldn't be your main priority. It's most important to get the right policy for your needs. Once you know what you want, you can compare quotes to get the policy you need at the cheapest price.
There are some tips later in this article on reducing the price of your over 25 van insurance.
When you compare over 25 van insurance, you can choose from three levels of cover:
Fully comprehensive: This offers the highest level of protection. It covers damage to your van which you cause while using it, and vandalism. It also includes all the cover that you'd get with the two types of policy below.
Third party, fire and theft: This covers your van if it's damaged or destroyed by fire, or if it's stolen.
Third party only: This just covers injury to other people, and damage to their property, which you cause in your van.
Here's some more information on what protection each level of cover gives you.
Don't forget that it's a legal requirement to have at least third party insurance if you want to drive your van on the road. The only other option is to declare a Statutory Off Road Notice (SORN) and keep your vehicle off the road.
To get van insurance over 25 you'll need to confirm whether you use your van for work
If you're getting van insurance over 25, and you use your van for work, you'll need to make sure you take out commercial insurance.
Commercial van insurance is great for builders, for example, who carry equipment in their van as part of their job. It can give you cover for:
Goods you carry in your van
Several drivers using the same vehicle.
Here's more on what commercial van insurance covers.
The other types of van insurance over 25 that you might be interested in are: Private van insurance: What you need if you use your van for social, domestic or pleasure.
Courier van insurance: You could get this if you do deliveries in your van. It usually includes cover for goods in transit.
Pick up van insurance: This is designed for vehicles which are open at the back.
Even if you find cheap van insurance for over 25 year olds, you'll pay more for optional extras
You can include additional cover on your van insurance over 25 policy. Of course you may have to pay extra for additional cover.
Optional extras that most insurers offer include:
Breakdown cover: Although some policies might offer this as standard, others will offer it as an add-on. Here's how breakdown cover works. Foreign use cover: This allows you to use your van abroad. You can compare European van insurance here.
Legal cover: This would cover your legal expenses if you had an accident. Find out what protection legal cover can give you.
Protected no claims discount: This is where you get a discount when you haven't made any claims for a number of years. Here's how a no claims discount can save you money.
Any driver van insurance is what you need if multiple people drive your van. This could either be your friends and family, or it could be for work. Either way, it will be more expensive if any of the drivers are younger.
Compare over 25 van insurance quotes: When you know exactly what you need from your over 25 van insurance policy, use our comparison. We'll help you to find the right policy at the cheapest price.
Add security features to your vehicle: Some insurers will give you a discount if you have added security features. This could include having an alarm, immobiliser or tracker fitted.
Increase your voluntary excess: If you increase the amount of voluntary excess you're willing pay, the price of your premiums will go down. There's usually a compulsory excess too. So, before you go ahead, make sure you could definitely afford to pay the combined compulsory and voluntary excess if you did need to claim.
Reduce your annual mileage: If you can reduce your annual mileage, the price of your insurance will go down as you'll be on the road less often.
Pay annually: You'll always pay less if you can pay for an entire year's insurance in one go. When you spread your payments, your insurer is effectively offering you a loan so you pay interest.
Only get what insurance you need: Don't pay for add-ons that aren't necessary. For example, if you already have breakdown cover, make sure you're not paying extra for this on your car insurance. There's no point in having it twice.
No claims discount: Don't forget to let your insurer know how many years of no claims you have. You'll get a discount based on the number of years you haven't claimed for.
Yes, you usually have to pay an excess if you make a claim on your van insurance policy.
Yes, you have a 14 day cooling off period which means you can cancel and get your premium refunded. However, you may be charged an admin fee.
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.
Last updated: 5 January, 2021
By comparing van insurance you could save money on the policy. The best value van insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.
We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.