What is van insurance?

Van insurance is essential for making sure you’re protected when you’re on the road for business purposes. For example, carrying goods, tools and equipment from one location to another as part of your normal working day.

We also offer a personal van product that covers you for personal use of your van. With social, domestic and pleasure you’re covered for driving your van for personal reasons, just as you would your car. It’s worth noting that commuting to and from work isn’t covered by this option. If you need your van for commuting, you’ll need to choose from one of the options we have for business van insurance.

When you rely on your van to get you from A to B, we know how important it is to keep the wheels turning. That’s why with AXA you can tailor your cover to make sure you’re getting cover that suits your needs.

What does van insurance cover?

Our van insurance covers you for loss or damage to your van, or others, because of an accident. We also cover you for:

  •  Loss or damage relating to theft or fire
  •  Broken windows and windscreens
  •  Loss, theft or damage to personal belongings
  •  Mis-fuelling
  •  Medical expense

These are all in addition to the minimum legal requirement for insurance against injury or damage to 3rd parties.

Courier insurance

If you make deliveries for a living, you can’t afford to have your van off the road and your customer’s goods piling up. Our courier cover is designed for all types of light haulage work such as furniture removers, delivery drivers and leaflet distributors. Comprehensive cover includes:

  • Guaranteed courtesy van5
  • Nationwide repair network
  • Uninsured driver promise3

What level of cover do I need?

By law, anyone using a van on the road needs to have insurance cover for loss or injury that they may cause to a third party.

AXA offers comprehensive van insurance which is designed to give you as much protection as possible. This means that in addition to the minimum legal requirement, you’ll also get cover for loss or damage to your own vehicle, and in addition to that you will receive cover for things like misfuelling, loss or theft of keys, medical expenses, as well as access to accident recovery services and roadside repairs.

AXA Comprehensive cover breakdown

What's covered

AXA Comprehensive

Injury to other people or damage to their vehicles or property
Accident recovery cover
93 days’ EU travel4
Continued cover while your van is getting serviced or repaired
Minimum cover to legally tow a trailer
Loss or damage to your van caused by fire or theft
Built-in music, navigation and entertainment equipment
Loss or theft of your keys (up to £500)
Guaranteed courtesy van if your van is stolen or damaged5
Loss or damage to your van
Broken windows and windscreens
Personal injury to the driver of your van (up to £5000)
Medical expenses (up to £250)
Personal belongings (up to £250)
Cover if you put the wrong fuel in your van

Customise your van insurance with optional extras

Tailor your van insurance with these add-ons – simply choose what you need and build insurance to fit your needs.

Protect your No Claims Discount

If you have years of no claims behind you, why lose your discount just because you're unlucky enough to make a one-off claim?

By protecting your no claims discount, you’ll be able to make a claim on your van insurance without losing the discount you’ve built up.

Legal assistance cover

If you’re in an accident that’s not your fault, we’ll give you up to £100,000 legal expenses cover to help you claim compensation for ‘uninsured losses’. That means any losses that aren’t covered by your policy, like your policy excess, personal injury, loss of income or damage to property that was in your van.

Legal assistance will also cover your legal costs if you’re prosecuted for an offence related to owning or using your van – and give you access to confidential legal advice, 24/7.

Breakdown cover

If your van ever lets you down, it’s good to know that someone will be there to pick you up and get you back on the road.

And with three options available, you can choose what level of cover is right for you. Get a quote now and choose from AXA Roadside, AXA Rescue, or our most extensive cover, AXA Rescue and HomeStart.

Trailer cover

As standard, our van insurance gives you the minimum cover you need to legally tow a trailer while it’s attached to your van. But what if your trailer’s damaged, lost or stolen?

For a small additional cost, we’ll increase your cover to insure you for loss or damage to a trailer attached to your van, as long as it’s worth less than £5000.

How much does business van insurance cost?

Van insurance could cost you, on average, £307* per year.

There are several things that could influence the cost of your van insurance such as:

  • The trade or sector your work in
  • What your van is used for
  • Where your van is kept overnight
  • Your age
  • Your driving experience/history

The quickest and easiest way to find out the right price for your business is to get a quote online. Plus, if you get a quote online you can save 10%.


Why do these affect my price?

There are various reasons why these things might affect the cost of your policy. For example, younger drivers are statistically more likely to have an accident and make a claim, so, insurance premiums tend to be higher for younger people. This reasoning also applies to inexperienced drivers, whatever their age, and as a result their premium will be that bit higher.

What you use the van for also affects your price. If your van has a small annual mileage, your premium is likely to be different to someone who drives it regularly for business or trade.

How can I reduce the cost of my insurance?

Nobody likes paying too much for their policy, however there are several things that you can do to lower the cost of your van insurance. 

If you’d like to learn more about how to save money on your van insurance, we’ve put together this helpful guide to break it down for you.

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What will I need to get a van insurance quote for my business?

There are a few details you’ll have to have to hand in order to get a van insurance quote with us. These include;

  • Your personal details and driving history. For example, how long you’ve had your license and what kind of license you have.
  • Van details and registration. We'll need to know the age and value of the van, the type of van or pick-up you have, the number of seats, the date when you bought it and any security features it may have. You’ll also need your estimated annual mileage, and the address where the van will be kept overnight.
  • Driver details. We’ll need each driver’s name, date of birth, occupation and driving history, including any claims and motoring offences they’ve had.
  • No claims discount. You might be able to transfer over any no claims discount you have with your current van insurer. Before you get a quote, find out how many years’ discount you have and think about whether you’d like to protect the discount if you make a claim.

Frequently asked questions

Can I insure multiple vans for my business?

Yes, you can insure multiple vans with us. However, please bear in mind that our van insurance policy is only able to cover one vehicle at a time, meaning you will have to take out a separate policy for each of your vehicles. You will still be able to see and manage all of van policies in the one shared account space.

Though we can’t cover all your vans one policy, we may be able to offer a multi-vehicle discount on any additional policies you take out with us. We may also be able to mirror any no claims discount you’re earning on your current van to a new van you buy.

Please note, this feature is only available offline. If this is something you need, please get in touch with us and an advisor will be able to help.

What types of van are covered?

AXA van insurance only covers standard vans and pick-ups. Other types of van (such as mobile snack bars or catering units, and motor homes or camper vans) can’t be insured under this policy.

What types of van are covered?

If you’re already an AXA van insurance customer, you can check if your van is insured and see the details of your existing policy online. Simply log in to your AXA account and check your policy details and documents from there.

Still have some questions about van insurance? Find the answers to the questions we get asked the most on our Van insurance FAQ page.

Making a claim

Help and advice on how to claim on your van insurance.

Policy documents

Find out more about AXA Van Insurance with our sample policy summary and policy wording documents.

Is AXA Van Insurance right for you?

Some things to know before you get a quote

We’ve made it as easy as possible for you to get a quote quickly and easily, but in some circumstances, we still might not be able to offer you a quote.

For example, we won’t be able to insure your  van if you, or any of the van’s drivers;

  • Are under 25 years old
  • Are over 75 years old
  • Don’t have a valid full or provisional UK driving license
  • Aren’t a permanent UK resident
  • Have had any previous insurance policy declined, cancelled, or declared void 


If you’re getting a policy for a van used in connection with your business, we won’t be able to insure you if yourself, any principals, partners or directors have been;

  • Declared bankrupt
  • Been subject to any bankruptcy proceedings or any form of insolvency or winding-up procedures
  • Prosecuted or served prohibition order under health and safety legislation
  • Disqualified from a directorship of any company

If you don’t, don’t worry – we may still be able to help you. To see if we can give you a quote that meets your needs, call us.

*10% of our customers paid this or less between January and March 2024.

**This discount is applied automatically and lasts for the lifetime of your policy.

***Rated 4.6/5 based on 16,854 total reviews. Figure accurate as of 25/01/2024.

****As long as we can trace and identify the driver.

4 As standard, we’ll give you the minimum cover you need to comply with compulsory motor insurance legislation in any EU country. And if you ask us before you travel abroad, we can also extend this to provide the same level of cover you have in the UK for up to 93 days of travel in any one period of insurance.

5 We guarantee a small courtesy van, which may not necessarily be a like for like replacement. We won’t supply one in the event of a total loss or a theft without recovery. The repair must take place at one of our approved repairers.

Underwritten by AXA Insurance UK plc. Terms, conditions, eligibility and exclusions apply.