Van insurance is an insurance policy designed to protect you financially if your van is stolen, damaged, or involved in an accident. It’s a legal requirement to make sure your van is insured against damage, loss or injury caused to others before you use it on the road.
The cover you’ll need depends on how you use your van.
For business owners who rely on their van to get from job to job, or in connection with the day-to-day activities of running their business.
This only allows you to use your van for social, domestic and pleasure purposes. If you’ll also use your van to commute to and from where you work, you’ll need to choose business van insurance instead so that you have the correct cover.
This is designed for van owners who use their van for haulage, parcel and package delivery or courier use.
You can tailor your policy to suit your needs with optional add-on ranging from breakdown cover4, support with legal costs associated with a claim, trailer cover and protected no claims discount so you only pay for the protection that’s right for you.
When you get a van insurance quote, you’ll be covered for:
AXA Comprehensive
By law, anyone driving a van on UK roads must have insurance that covers injury, loss or damage to others caused by using their van. This is covered as standard as part of your van insurance policy, but it also offers extra protections.
If you want to tow a trailer, your also legally required to have trailer cover in place as part of your policy.
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:
Tailor your van insurance with these add-ons – simply choose what you need and build insurance to fit your needs.
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 one at fault claim on your van insurance without losing the discount you’ve built up.
If you’re in an accident that’s not your fault, we’ll provide 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.
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.
Exclusions apply, please see policy documents for details.
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 £5,000.
On average, van insurance with AXA could cost from £311 per year1. Your premium will depend on a range of factors, including how you use your van, your driving history, and where it’s kept overnight.
110% of our customers paid this or less between July and December 2025.
Several factors can influence how much you pay for van insurance. These include:
Getting a van insurance quote is straightforward, but having the right information ready will make the process quicker and smoother. Here’s what you’ll need:
Once you have your quote and choose a policy, here’s what happens if your van is involved in an incident:
The first thing to do is make sure that everyone is safe, but call 999 if you need emergency help or if the accident has left a dangerous situation.
Take photos of any damage and exchange information with other parties involved. Gather witness details if possible.
Contact your insurer as soon as possible after the accident.
Provide your insurer with all the necessary information. You can do this online from your secure online account.
Your insurer will assess the damage and either arrange repairs, provide a replacement vehicle, or offer a cash settlement if your van cannot be repaired.
For more information on claims and how to make a claim visit our guide: Our Van Claims Guide
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2Rated 4.6/5 based on 19,464 total reviews. Figure accurate as of 26/11/2025.
3As long as we can trace and identify the driver.
4Exclusions apply, please see policy documents for details.
5As 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.
6 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.
