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We’ll call you back within one working hour with our best price.
We think you’ll love it: but if you don’t, there’s no obligation to buy and no fee.

Van Insurance Explained

Six things that affect your van insurance premium

These are the six most common reasons for a high van insurance premium:

Age and driving experience: younger people and people with less driving experience will often pay more.

Van make and model: more expensive or unusual vans will cost more to insure.

Home address: if you live in an area with statistically high insurance claim or general crime rates, your van insurance will cost more.

Mileage: insurers calculate that if you drive more, you’re more likely to be in an accident.

No Claims Discount [NCD]: a bigger no claims discount will usually get you a better price.

Van repair costs: if you drive an expensive van, your insurer will assume that repairs will also be expensive.

Choose the right level of cover

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Third Party, Fire and Theft

The lowest level of van insurance available, this cover level protects your van from damage caused by fire, theft or attempted theft and covers claims from a third party if you’re involved in an incident.

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Fully Comprehensive

Includes everything you’ll get with Third Party, Fire & Theft, and also covers you and your own van if you’re involved in an accident. It also covers your windsecreen and accidental damage that you cause to your own van.

Add the right extras

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Breakdown cover

Roadside assistance, nationwide recovery, and cover at home to get you home or get you moving.

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Protected no claims discount

Protect your discount so you don’t lose it as a direct result of making one single claim.

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Motor legal cover

Get legal aid to recover compensation and financial losses after an incident that wasn’t your fault.

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Courtesy car/Hire car

Get a courtesy van whilst your van is repaired, or a hire van if your van is written off or stolen.

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Foreign use

Peace of mind when you’re driving abroad: enjoy the same level of cover in Europe, as at home.

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Personal Injury Cover

Cover injuries to yourself, your partner and any other named drivers after a motor accident.

What information will we need from you?

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Personal Information

Your date of birth, driving licence information, address and occupation.

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Claims History

Details and dates of any claims or accidents, and how many years No Claims Discount you have.

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Car Details

Make and model, number plate, engine size, estimated mileage, where your van is kept overnight.

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Eligibility

We’ll need to confirm you’re a UK resident and legally entitled to drive in the UK.

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Additional Drivers

We’ll need personal information, claims history and eligibility information for any named drivers.

Cheaper Insurance Direct: How It Works

Your quote is free, with no obligation to buy: so if you don’t buy the policy we recommend for you, you pay nothing.

Our fee is approx. one-third of what we saved you. So, if we save you £150 against your renewal quote, our fee is £50 and you pocket the saving of £100. Everybody wins!

What if I don’t have a renewal quote?
If you are insuring for the first time and you don’t have a previous premium to save against, we will ask you to show us the best quote you have found for yourself: we will calculate your total savings based on that.

We always confirm the exact amount of our fee before you commit to buying your insurance: so there are never any nasty surprises nor hidden extras.

What our customers say about us

Elaine Watson

21. December, 2025.

Very competent staff

Angela Breen

13. November, 2025.

First class experience, can't thank Alexander enough went above and beyond to help me even staying back late. Thank you from a very grateful customer..😘😘

Andrew Tait

12. December, 2024.

Always left surprised at the prices they provide after receiving renewal prices and checking comparison sites. Deal professionally and clearly knowledgable to get me cheap quotes. Used them the last 3 years.

Harry Chapple

8. November, 2024.

Change insurance company due to ridiculous rises with LV. Ian dealt professionally with my request. Was more than happy 😊 to take his advice . Will be back next year

Blair Rankin

8. April, 2024.

I'm over the moon!, with Cheaper Insurance Direct and their very professional, helpful and friendly service!. My connection was poor while on the phone, and Alex made this a lot easier for me with his professionalism and patience. I was really busy and he took that into consideration making me feel valued and not another sale, I also got the best deal aswell (by a longshot) to add to my satisfaction!,OVER THE MOON from start to finish and made a GREAT saving thanks again.

David Browning

29. February, 2024.

I’ve used Cheaper Insurance Direct for the car insurance on my current and all previous vehicles, and they’ve always got me a fantastic policy with everything I need and somehow still manage to save me money too. On top of that they save me so much time from having to do all the research myself and there so much more hidden value in that! Thanks for a great service that I can trust as well as being so quick and easy to use.

Keshav Sedov

3. January, 2024.

Great Experience with Alex sorted my car insurance out and helped my family so many times , Thanks Alex and the Team. Anyone need Car insurance go to Cheaper Insurance Direct😃