Tipper insurance

As tippers are work vehicles, you're likely to need commercial van insurance in place. There are two main types you can opt for:

Carrying your own goods.

A standard commercial van insurance policy should cover you if you're carrying your own goods, materials or equipment for your own company.

If you're carrying goods belonging to someone else. 

To get cover for other people's property, such as soil or sand, gravel and aggregates or agricultural goods, you should look into haulage cover. In other words, hire and reward insurance.

According to our data, the average tipper insurance cost is £1058.94*, whereas for a van it's £729.31*.

The cost of tipper insurance varies depending on a number of factors. In addition to the truck's weight, engine size and mileage, it also takes your personal details into consideration - such as your age, location and driving history.

All the same, insuring a tipper truck is likely to be costly – certainly much more so than regular van insurance. This is in part because of the cost of materials you're likely to be transporting, but also because a tipper is a big old unit.

^{*According to Confused.com data, Q3 2024.}

How to save on tipper insurance

• Compare quotes. When it comes to finding cheaper tipper insurance, shopping around is key. It's always a good idea to compare a range of quotes from multiple providers to find the right cover at the right price.
• Increase van security. Keep your tipper in a secure facility when not in use. And you could also look into additional security features for the vehicle itself.
• Choose a higher excess. Opting for a higher voluntary excess will usually push the cost of insurance down, as you're accepting more of the risk. Don't set it at a level you couldn't afford if you need to make a claim though.
• Maintain a clean driving record. Drivers with claims and convictions usually pay more for the privilege, so try to keep your nose clean.
• Pay annually. Paying insurance in monthly instalments usually means you're also paying interest, so it's best to pay the whole year upfront if you can.

If you need additional cover, you may be able to get optional extras for a fee. It's worth checking to see if your chosen insurer offers the following:

• Breakdown cover in case your tipper truck breaks down and needs to be repaired.

• Legal expenses cover to pay for legal fees if you need to make a claim against someone, or they make a claim against you.

• Driving abroad cover if you need to make deliveries or pick up cargo from the continent.

• Courtesy van cover so you're provided with an alternative vehicle if your usual tipper's out of action.

• Windscreen cover to repair or replace a cracked or chipped windscreen, or any other windows.

• Personal effects cover protects your personal belongings such as your tools while they're in your tipper.

• 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**.