Pick-up insurance

Pick-ups are classed as vans rather than cars when it comes to insurance. So to make sure your pick-up truck is covered, you need a van insurance policy.

There are 2 main types to choose from:

• Private van insurance, which you’ll need if you use your pick-up for social use
• Commercial van insurance, which you’ll need if you use your pick-up for work

The category of cover you need depends on how you use your pick-up. This is called its class of use and there are 4 main options to choose from when you get a quote:

• Social only
• Social and commuting to work
• Business use or carriage of own goods
• Haulage use - delivering goods for hire and reward

• Social only covers you for your daily driving - for example, going to the shops or visiting family.
• Social and commuting insurance covers you for commuting to a single place of work. Even if you drive your pick-up to a bus or train station as part of your commute, this still counts as commuting.
• Business use covers you if you use your pick-up for business and need to transport things like tools or work equipment. If you drive to multiple places of work, you'll likely need this type of insurance.
• Haulage use covers you if you're paid to carry goods owned by someone else. You'll likely need this cover if you're a courier or delivery driver.

What you pay for your insurance is based on a range of factors that include:

• How much your pick-up is worth - a more expensive van could increase the risk of theft.
• How you plan to use it - being on the road for long periods - for example, for work - increases the chances you’re involved in an accident.
• Your pick-up's engine size - the more powerful the engine, the more expensive the insurance costs.
• Your pick-up's security - a more secure and harder to steal van tends to lower your policy cost.
• Your pick-up's modifications - enhancements like body kits, exhausts and alloys can increase your insurance costs. They're also unlikely to be replaced by insurers on a like-for-like basis. For more information, read more about modified van insurance.
• Your driving history and no-claims bonus - your claims history affects how much your policy costs.
• Your age - younger drivers are less experienced so insurers tend to charge more.
• Where you live - an area with a high crime rate could be seen as high risk by insurers and that could see your costs rise.

• Founded in 2002, we have over two decades worth of experience in insurance. Based in Cardiff, we help millions of customers each year with their car, home, van and motorbike insurance needs.
• We're not owned by an insurance company and we're 100% independent. That means you'll see our best prices based on the information you provide us.

• Need any help? Our Cardiff-based team is here to help. Take a look at our contact page and get in touch.
• With Confused.com Rewards you can choose from 4 different freebies when you buy van insurance**.