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Multi-van insurance

If you’ve got more than one van —whether it’s for business, pleasure, or a mix of both—sorting out insurance might seem a bit complicated. This is where multi-van insurance can help to keep things simple and could even save you money.

Rhys Andrew, Content Editor at Confused.com

Written by Rhys Andrew Content Editor 6 min read | Published 23/01/2025

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What is multi-van insurance?

Multi-van insurance is exactly what it says on the tin: a single policy that covers more than one van. Whether you’re running a business, a family fleet, or you’ve just got a soft spot for vans, it can help you streamline your cover.

Here are some benefits of multi-van insurance:

Fewer renewal dates: One policy, one date—nice and tidy.
Potential discounts: you might save money bundling vehicles together.
Customised options: You can tweak the policy to suit your needs.

If you’re only looking to cover one van, then you'll only need a van insurance policy, rather than a multi-van policy.

Who needs multi-van insurance?

Anyone with multiple vans could benefit from this type of policy. It doesn’t matter if you’re running a business or using the vans personally. Here are some examples of who might find multi-van insurance useful:

A business owner with delivery vans.
A tradesperson who uses different vans for different jobs.

A family with multiple vans for personal use

What's the difference between multi-van and fleet van insurance?

Generally, multi-van insurance can be useful for smaller setups, like families or small businesses. Fleet insurance, on the other hand, is aimed at businesses managing lots of vehicles.

Benefits of multi-van policies

Here are some of the many benefits you could get from having a multi-van policy:

Potential cost saving

Having all your vans under one policy might be cheaper than buying seperate single policies.

Time-saving

Having one policy might also save your time on things like paperwork and admin.

Simplified renewals

One policy, one date—no more juggling multiple reminders.

Customisable

Most insurers allow you to choose the cover and add-ons that suit your specific needs.

Types of cover available for your policy

Third party only

Covers damage to other people or property but not your van.

Third-party, fire and theft

Everything third-party offers, plus cover for your van if it’s stolen or damaged by fire.

Comprehensive

The full package—covers your van and any damage to others.

What type of mutli van cover do I need?

The type of cover you need depends on how you’re using your vans. Here are some common scenarios:

When getting a quote, you can select from the following body types:

Social use: For personal use, like family trips.
Carriage of goods for hire and reward: For delivery couriers.
Carriage of own goods: For transporting tools or goods you own, like for a trade job.
Haulage: Long-distance transport of goods for hire or reward.

Additional features and add-ons for a mutli van policy

Here's some optional add-ons can be bolted onto your multi-van policy:

Breakdown cover:

For when your van decides to call it a day.

Legal expenses cover:

This helps to cover legal fees so you're not out of pocket.

Driving abroad cover:

This may come in handy if you have any European trips planned.

Courtesy van cover:

This will help keep you on the road even if your van’s in the garage.

Windscreen cover:

Peace of mind that you're covered for any chips or cracks

Personal effects cover:

Protect the belongings that you carry in your van against loss or damage, for exmaple, tools.

Will a multi-van policy be cheaper?

The short answer? It could be! Insuring multiple vans under one policy often costs less than separate ones. That said, the cost will depend on things like the size of your vans and how you use them.

Can the price of van insurance depend on who's driving?

How much you’ll pay for your insurance very much depends on who's driving. Here’s what insurers look at:

Age: Younger drivers tend to cost more to insure due to having less experience.
Convictions: Points or bans can hike up your premiums, compared to people who have a clean record.
No-claims discount: If you have never claimed on your car insurance before, you could get a discount.
Number of drivers: Adding more people can increase the cost.
Experience: The more experienced the driver, the less insurers perceive you as a risk.
Licence type: Full licences usually mean lower premiums compared to those on a provisional or automatic only licence holders.
Profession: Some jobs are seen as higher risk, for example, fast food delivery drivers and delivery couriers.

Top tips to reduce policy cost

These handy tips could help you to save money on your multi-van insurance.

Increase voluntary excess

Increasing how much voluntary excess you pay might reduce your premium. But you need to make sure that you would be able to afford this amount if anything happens and you need to make a claim.

Park off street

Park your van somewhere off the street and secure overnight, so it's at less risk of being stolen or crashed into.

Improve van security

Improving the security of your van by adding things like alarms or steering locks can help to lower costs.

Black box policy

Telematics aka black box policies encourage safer driving, making you less of a risk. Insurers may reward safer driving with discounts.

Not auto-renewing

Shop around to make sure you're getting the best deal for your specific needs.

Compare quotes

Always look for the best price before committing, as prices can vary among insurers.

Can cars and vans be on the same policy?

Yes, it’s possible. It depends on the insurer, but some let you mix cars and vans under one policy. This tends to be more common for businesses with a mix of vehicles.

What details do I need to get a multi-van insurance quote

To make getting a quote quicker and easier, it's worth having the below to hand first:

Your van details: Things like the make, model and mileage.
Driver details: Information about who’s driving, including age and experience.
Van security: Details of alarms, trackers, and parking.
Type of cover: Decide what level of protection you want.

No-claims discount: Information about how many years you've gone without making a claim.

What our van insurance expert says

"If you're insuring more than one van you should consider getting a multi van policy. It's a great way to save both time and money! Make sure you still check the prices of individual quotes to get a better feel for how much you should be paying."