Can I get young driver van insurance?
Yes, you can get van insurance as a young driver.
Whether you’re an apprentice plumber who needs a van to haul their equipment, a delivery driver looking for a new model with more space, or a digital nomad hoping to travel around the country for fun, we can help you find the right van insurance policy for you.
If you’re looking for cheap van insurance, it’s worth keeping in mind that policies can be more expensive for young drivers aged under 25. This is due to your lack of driving experience, along with data proving that younger and newer drivers have more accidents on the road. Some insurers will also only offer van policies to drivers over 21.
Even so, there are steps you can take to secure cheap van insurance for young drivers, including considering a black box policy.
Why should you choose Autedia for your young driver van insurance?
New wheels, new insurance policy? Trust Autedia to find you the cheapest young driver van insurance for your circumstances.
We compare quotes from over 60 different providers, including fully comprehensive, third-party, and black box insurance options, so that you can choose the right deal for you and your new van.
Search the market in minutes and compare your quotes today.
What type of van insurance do I need?
You’ll need to be insured to drive a van legally in the UK. The type of van insurance that you need, though, will depend on how you plan to use your new wheels:
If you plan to head to the beach in a Vauxhall Vivaro or take long distance road trips in a VW Transporter but won’t be using your new van to do your job or commute to work, you’ll need a van insurance policy that covers social use.
Social and Commuting
A social and commuting van insurance policy is designed for work and play. With this cover, you can use your van for fishing trips, visits to Ikea, and your daily commute to and from one place of work.
Builders, carpenters, landscape gardeners, and other types of tradespeople who use their vans for work will usually need their own goods insurance. It might also be a good option for people who drive their van between multiple workplaces, like social workers.
If you plan to keep tools and equipment in your van, especially overnight, you might want to consider taking out additional contents cover, just in case.
Carriage of Goods for Hire and Reward
A carriage of goods for hire and reward policy is intended for young drivers who use their van to deliver goods for a third-party. It could be the best option for self-employed couriers, house movers, and delivery drivers.
How van insurance works through Autedia
What levels of young driver van insurance are available?
Comprehensive van insurance is the most coverage you can have. It will protect you in an accident, even if it was your fault. You’ll also be covered in the event of a fire, flood, or if your van is stolen. As a young van driver at a higher risk of accidents, fully comprehensive might be the best type of insurance for you.
Third Party, Fire & Theft
With third party, fire, and theft van insurance, you’ll be covered for any damage you cause to another person and their vehicle if you’re in an accident. You’ll also be protected if your van is stolen or damaged by fire, but not for any other type of damage.
Third party van insurance is the minimum level of cover you can legally have and will only pay for damage caused to someone else and their vehicle.
Black Box Van Insurance
Black box van insurance, also known as telematics, is a type of policy often offered to young drivers with high insurance premiums. To qualify, you must have a black box fitted to your van to monitor your driving. If you’re a safe and careful driver, you might be eligible for a discount on your premium.
What information do I need to get a van insurance quote?
While different insurance providers might request other information, to get a van insurance quote with Autedia, you’ll need to supply:
- Your van’s details – make, model, and number plate
- Your personal information – name, address, date of birth, and occupation
- Your previous driving history – no claims bonus, driving offences, and points on your licence
How much does young driver van insurance cost?
Van insurance for young drivers is typically more expensive than for someone more experienced.
According to data from Compare the Market, the average annual cost for a van driver aged under 25 is £1857.
But don’t panic; there are steps you can take to get cheaper van insurance as a young driver.
What affects the cost of van insurance for young drivers?
The cost of your van insurance premium will depend on several factors, including:
- Your age – younger drivers are more likely to pay more as they’re more likely to be involved in an accident.
- Your address – you may pay more if you live in an area with a high crime rate.
- Your job – if you use your van daily for work, you may pay more than someone who only uses their van socially.
Your driving history – drivers who have had an accident in the past will pay more than someone who has started to earn a no-claims bonus.
How can I get cheaper young driver van insurance?
You could find a cheaper van insurance deal as a young driver in the UK in many ways.
Always be honest; your insurance policy could be declared invalid if you’re found to have lied on your application to get a cheaper deal.
- Compare quotes – shopping around with an insurance broker like Autedia can help you find a competitive deal. With us, you can compare van insurance policies with over 110 insurers to find the cheapest option.
- Add a named driver – while you should never claim someone else is the van’s main driver, if they aren’t, adding a more experienced driver to your policy could lower your premium.
- Reduce your annual mileage – the more miles you drive, the more you’ll pay for your insurance. If you can cut the number of miles you clock up each year, you could make a saving.
- Increase your voluntary excess – this is the amount you agree to pay towards any claim you make. If you can afford to pay more for repairs, you could get a lower insurance premium.
Choose a van from a lower insurance group – typically, smaller vans will be placed in a lower insurance group and be cheaper to insure than large, powerful models. You might want to consider buying a Citroen Berlingo, VW Caddy, or Vauxhall Combo rather than investing in a Ford Ranger.
Van Insurance for Apprentices
An apprenticeship can be a great way for young people – or those wanting to change career – to get a start in trades like plumbing, carpentry, and construction. Apprentices can start at 16, but they won’t be able to legally drive a van and be insured on it until they turn 17.
Van insurance for apprentices is available, but it’s worth keeping in mind that young drivers can face higher premium costs until they turn 25. Some insurers will also only offer van policies for own goods to drivers aged over 25.
If you’re an apprentice driving a company vehicle, you may wish to consider adding a more experienced workmate to your policy as a named driver.
You could save up to £590*
*51% of consumers could save £590.37 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.