Key Differences Between Van and Car Insurance

There has been a huge rise in the numbers of vans on the UK’s roads – so much so that they account for around one-sixth of all traffic. The rise in courier deliveries (particularly for online shopping), changes in the company taxation rules regarding cars and the growing number of people trading in their cars for a life ‘on the road’ mean that vans are the fastest growing sector of any type of vehicle.

Van Insurance North London

However, there are some key differences to bear in mind whether you are insuring a car or a van. Here Clover Insurance, who provide competitively priced comprehensive car and van insurance for customers in North London and Hertfordshire, identify some of the factors which will impact on the price of a premium.


The Mileage

While most cars are used for social, domestic and pleasure purposes, or for getting to and from work, vans are used principally for business reasons. The average car mileage in the UK is just under 8,000 miles – and this figure is expected to fall due to the coronavirus pandemic which has led to more people working from home and restrictions on travel.

Van mileage, on the other hand, averages out at around 13,000 miles per year. This is largely because they are driven to work or a specific destination (for courier deliveries) which can often be at the other end of the country.

Increasingly vans are being are used for personal travel as well – but for the kind which also clocks up a lot of miles. Auto Trader has reported a 57% increase year-on-year in UK

demand for commercial vehicles, with many of these new van buyers looking to convert a vehicle into a mobile home for travelling around the world.


The average van is likely to do a lot more miles than the average car – and as far as insurers are concerned, more miles means more risk so premiums are likely to be higher.

The Number of Different Drivers

If the van is a company vehicle, then the chances are it will be driven by more than one employee. Insurers need to guard against the risks of different people using the van – drivers of different ages, skill levels, and bad habits as well as good ones. This also pushes up the cost of premiums. However, car insurance premiums can also increase if you have a lot of named drivers on the policy.

The Contents

Cars are likely to attract a lower premium than vans because their owners don’t usually keep a lot of expensive work equipment in them, such as builders’ tools.

Van policies also need to take the value of goods being delivered into account as well. Some insurers will offer specialist policies for companies such as courier van insurance. This covers the loss or theft of the goods in transit as well as any damage to the vehicle itself.

The Different Types of Policy

There are several other specialist policies which are more applicable to van drivers than car owners. Public liability insurance covers van-owning businesses against compensation claims and legal costs if any drivers damage a third party’s property or kill or injure someone while at the wheel.

Employers’ liability insurance will cover the company against any claims by drivers who are injured at work. Tool cover is also available from some insurers. These types of policy can be bought as add-on cover to an existing agreement.

Car and Van Insurance from Clover Insurance

Clover Insurance supply car and van insurance for customers across North London and Hertfordshire. The comprehensive car insurance policies we recommend can include clauses for medical expenses, windscreen cover and a replacement vehicle if your own car is badly damaged.

If you are interested in van insurance, we offer our customers the choice of comprehensive, third party fire and theft or third party only cover.

We always talk to a range of insurers before recommending any products to you, so you can be sure that any premium we suggest will be competitively priced and every policy will be tailor-made to fit your individual circumstances.

If you would like to know more, you can contact us by following this link or calling us on 020 8805 1121.